PLAN: Equitable Accident Insurance Plan UID: Equitable Accident Plan Category: Accident Type: None Marketing Name: Equitable Accedent lan Average Price: $43.02 Short Description: This accident plan provides cash benefits for a wide range of injuries — from fractures and dislocations to hospital stays and emergency care — helping cover out-of-pocket costs for both minor and major accidents. Long Description: The Equitable Accident Insurance Plan offers financial protection for unexpected injuries by paying cash benefits directly to you. Coverage includes a broad range of injuries such as fractures, dislocations, burns, lacerations, and even paralysis. Benefits also cover medical treatments like X-rays, physical therapy, and hospital stays. The money can be used however you need — whether for medical bills, daily expenses, or lost income — giving you peace of mind after an accident. PRICING: Coverage 4: $63.74 Coverage 3: $46.37 Coverage 2: $39.69 Coverage 1: $22.28 DETAILS: BURNS: Skin graft - Child: Pays 50% of the full burn benefit. Skin graft - Spouse: Pays 50% of the full burn benefit. Skin graft - Employee: Pays 50% of the full burn benefit. 21–40 sq. cm third degree - Child: 1000 41–65 sq. cm third degree - Child: 2000 21–40 sq. cm second degree - Child: 400 21–40 sq. cm third degree - Spouse: 1000 41–65 sq. cm second degree - Child: 800 41–65 sq. cm third degree - Spouse: 2000 66–160 sq. cm third degree - Child: 6000 161–225 sq. cm third degree - Child: 14000 21–40 sq. cm second degree - Spouse: 400 41–65 sq. cm second degree - Spouse: 800 66–160 sq. cm second degree - Child: 1200 66–160 sq. cm third degree - Spouse: 6000 161–225 sq. cm second degree - Child: 1600 161–225 sq. cm third degree - Spouse: 14000 21–40 sq. cm third degree - Employee: 1000 41–65 sq. cm third degree - Employee: 2000 66–160 sq. cm second degree - Spouse: 1200 161–225 sq. cm second degree - Spouse: 1600 21–40 sq. cm second degree - Employee: 400 41–65 sq. cm second degree - Employee: 800 66–160 sq. cm third degree - Employee: 6000 161–225 sq. cm third degree - Employee: 14000 66–160 sq. cm second degree - Employee: 1200 161–225 sq. cm second degree - Employee: 1600 More than 225 sq. cm third degree - Child: 20000 More than 225 sq. cm second degree - Child: 2000 More than 225 sq. cm third degree - Spouse: 20000 More than 225 sq. cm second degree - Spouse: 2000 More than 225 sq. cm third degree - Employee: 20000 More than 225 sq. cm second degree - Employee: 2000 SURGERY: Open surgery - Child: 3000 Open surgery - Spouse: 3000 Open surgery - Employee: 3000 Torn knee cartilage - Child: 1500 Torn knee cartilage - Spouse: 1500 Torn knee cartilage - Employee: 1500 Ruptured/herniated disc - Child: 1500 Ruptured/herniated disc - Spouse: 1500 Ruptured/herniated disc - Employee: 1500 Tendon/Ligament/Rotator cuff tear - Child: 1500 Exploratory surgery or debridement - Child: 800 Tendon/Ligament/Rotator cuff tear - Spouse: 1500 Exploratory surgery or debridement - Spouse: 800 Tendon/Ligament/Rotator cuff tear - Employee: 1500 Exploratory surgery or debridement - Employee: 800 Laparoscopic surgery or hernia repair - Child: 1000 Laparoscopic surgery or hernia repair - Spouse: 1000 Laparoscopic surgery or hernia repair - Employee: 1000 Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Child: 1000 Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Spouse: 1000 Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Employee: 1000 HOSPITAL: Ambulance (Air) - Child: 2000 Ambulance (Air) - Spouse: 2000 Ambulance (Air) - Employee: 2000 Ambulance (Ground) - Child: 400 Ambulance (Ground) - Spouse: 400 Ambulance (Ground) - Employee: 400 ER admission or urgent care facility - Child: 200 ER admission or urgent care facility - Spouse: 200 ER admission or urgent care facility - Employee: 200 Hospital admission (once per benefit year) - Child: 2000 Hospital admission (once per benefit year) - Spouse: 2000 Hospital admission (once per benefit year) - Employee: 2000 Rehabilitation unit (per day, up to 30 days per covered accident) - Child: 100 Hospital confinement (per day up to 365 days per covered accident) - Child: 400 Rehabilitation unit (per day, up to 30 days per covered accident) - Spouse: 100 Hospital confinement (per day up to 365 days per covered accident) - Spouse: 400 Rehabilitation unit (per day, up to 30 days per covered accident) - Employee: 100 Hospital confinement (per day up to 365 days per covered accident) - Employee: 400 Transportation (100 or more miles up to three times per covered accident) - Child: 500 Transportation (100 or more miles up to three times per covered accident) - Spouse: 500 Transportation (100 or more miles up to three times per covered accident) - Employee: 500 Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Child: 100 Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Spouse: 100 Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Employee: 100 Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Child: 500 Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Spouse: 500 Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Employee: 500 Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Child: 400 Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Spouse: 3000 Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Employee: 3000 FRACTURES: Foot - Child: $1,500 / $750 Hand - Child: $1,500 / $750 Heel - Child: $1,500 / $750 Ankle - Child: $1,500 / $750 Elbow - Child: $1,500 / $750 Foot - Spouse: $1,500 / $750 Hand - Spouse: $1,500 / $750 Heel - Spouse: $1,500 / $750 Wrist - Child: $1,500 / $750 Ankle - Spouse: $1,500 / $750 Elbow - Spouse: $1,500 / $750 Wrist - Spouse: $1,500 / $750 Foot - Employee: $1,500 / $750 Forearm - Child: $1,500 / $750 Hand - Employee: $1,500 / $750 Heel - Employee: $1,500 / $750 Ankle - Employee: $1,500 / $750 Elbow - Employee: $1,500 / $750 Forearm - Spouse: $1,500 / $750 Knee cap - Child: $1,500 / $750 Shoulder - Child: $1,500 / $750 Wrist - Employee: $1,500 / $750 Knee cap - Spouse: $1,500 / $750 Lower jaw - Child: $1,500 / $750 Shoulder - Spouse: $1,500 / $750 Collarbone - Child: $1,500 / $750 Forearm - Employee: $1,500 / $750 Lower jaw - Spouse: $1,500 / $750 Collarbone - Spouse: $1,500 / $750 Knee cap - Employee: $1,500 / $750 Shoulder - Employee: $1,500 / $750 Lower jaw - Employee: $1,500 / $750 Collarbone - Employee: $1,500 / $750 Hip or thigh - Child: $10,000 / $5,000 Hip or thigh - Spouse: $10,000 / $5,000 Multiple ribs - Child: $2,000 / $1,000 Multiple ribs - Spouse: $2,000 / $1,000 Skull (simple) - Child: $7,000 / $3,500 Hip or thigh - Employee: $10,000 / $5,000 Skull (simple) - Spouse: $7,000 / $3,500 Multiple ribs - Employee: $2,000 / $1,000 Skull (depressed) - Child: $12,000 / $6,000 Skull (simple) - Employee: $7,000 / $3,500 Vertebral process - Child: $2,000 / $1,000 Skull (depressed) - Spouse: $12,000 / $6,000 Vertebral process - Spouse: $2,000 / $1,000 Skull (depressed) - Employee: $12,000 / $6,000 Vertebral process - Employee: $2,000 / $1,000 Bones of face or nose - Child: $2,000 / $1,000 Leg (tibia or fibula) - Child: $6,000 / $3,000 Bones of face or nose - Spouse: $2,000 / $1,000 Leg (tibia or fibula) - Spouse: $6,000 / $3,000 Upper jaw or upper arm - Child: $2,000 / $1,000 Upper jaw or upper arm - Spouse: $2,000 / $1,000 Bones of face or nose - Employee: $2,000 / $1,000 Leg (tibia or fibula) - Employee: $6,000 / $3,000 Pelvis (excluding coccyx) - Child: $8,000 / $4,000 Upper jaw or upper arm - Employee: $2,000 / $1,000 Pelvis (excluding coccyx) - Spouse: $8,000 / $4,000 Rib, finger, toe or coccyx - Child: $1,500 / $750 Rib, finger, toe or coccyx - Spouse: $1,500 / $750 Pelvis (excluding coccyx) - Employee: $8,000 / $4,000 Rib, finger, toe or coccyx - Employee: $1,500 / $750 Vertebrae (body of) or sternum - Child: $5,000 / $2,500 Vertebrae (body of) or sternum - Spouse: $5,000 / $2,500 Vertebrae (body of) or sternum - Employee: $5,000 / $2,500 Chip fractures and other fractures not reduced (not treated by a doctor) - Child: Pays 25% of the full amount if the bone is treated, with or without surgery. Chip fractures and other fractures not reduced (not treated by a doctor) - Spouse: Pays 25% of the full amount if the bone is treated, with or without surgery. Chip fractures and other fractures not reduced (not treated by a doctor) - Employee: Pays 25% of the full amount if the bone is treated, with or without surgery. LACERATIONS: Single laceration under 5 cm with suture - Child: 65 Single laceration under 5 cm with suture - Spouse: 65 Single laceration under 5 cm with suture - Employee: 65 Laceration(s) with no sutures and treated by a physician - Child: 35 Laceration(s) with no sutures and treated by a physician - Spouse: 35 Laceration(s) with no sutures and treated by a physician - Employee: 35 Lacerations 5–15 cm with sutures (total of all lacerations) - Child: 250 Lacerations 5–15 cm with sutures (total of all lacerations) - Spouse: 250 Lacerations 5–15 cm with sutures (total of all lacerations) - Employee: 250 Lacerations greater than 15 cm with sutures (total of all lacerations) - Child: 500 Lacerations greater than 15 cm with sutures (total of all lacerations) - Spouse: 500 Lacerations greater than 15 cm with sutures (total of all lacerations) - Employee: 500 DISLOCATIONS: Shoulder - Child: $3,000 / $1,500 Lower jaw - Child: $1,500 / $750 Shoulder - Spouse: $3,000 / $1,500 Lower jaw - Spouse: $1,500 / $750 Shoulder - Employee: $3,000 / $1,500 Lower jaw - Employee: $1,500 / $750 Elbow or wrist - Child: $1,500 / $700 Elbow or wrist - Spouse: $1,500 / $700 Elbow or wrist - Employee: $1,500 / $700 Finger(s) or toe(s) - Child: $1,000 / $500 Finger(s) or toe(s) - Spouse: $1,000 / $500 Finger(s) or toe(s) - Employee: $1,000 / $500 Incomplete dislocation - Child: 25% of the applicable non -surgical procedure Incomplete dislocation - Spouse: 25% of the applicable non -surgical procedure Incomplete dislocation - Employee: 25% of the applicable non -surgical procedure Collarbone or bones of the hand - Child: $4,000 / $2,000 Collarbone or bones of the hand - Spouse: $4,000 / $2,000 Knee, ankle or bones of the foot - Child: $5,000 / $2,500 Knee, ankle or bones of the foot - Spouse: $5,000 / $2,500 Collarbone or bones of the hand - Employee: $4,000 / $2,000 Knee, ankle or bones of the foot - Employee: $5,000 / $2,500 Hip (surgery required /no surgery required) - Child: $10,000 / $5,000 Hip (surgery required /no surgery required) - Spouse: $10,000 / $5,000 Hip (surgery required /no surgery required) - Employee: $10,000 / $5,000 EMERGENCYDENTAL: Emergency dental crown - Child: 200 Emergency dental crown - Spouse: 200 Emergency dental crown - Employee: 200 Emergency dental extraction) - Child: 65 Emergency dental extraction) - Spouse: 65 Emergency dental extraction) - Employee: 65 Wellness screening benefit (once per benefit year) - Child: 50 Wellness screening benefit (once per benefit year) - Spouse: 50 Wellness screening benefit (once per benefit year) - Employee: 50 MEDICALSERVICES: Anesthesia - Child: 100 Anesthesia - Spouse: 100 Anesthesia - Employee: 100 Medical devices - Child: 500 Medical devices - Spouse: 500 Prosthesis (one) - Child: 750 Prosthesis (two) - Child: 1500 Prescription drug - Child: 50 Prosthesis (one) - Spouse: 750 Prosthesis (two) - Spouse: 1500 Medical devices - Employee: 500 Prescription drug - Spouse: 50 Prosthesis (one) - Employee: 750 Prosthesis (two) - Employee: 1500 Prescription drug - Employee: 50 Blood, plasma or platelet transfusion - Child: 200 Blood, plasma or platelet transfusion - Spouse: 200 Blood, plasma or platelet transfusion - Employee: 200 Epidural pain management (up to 2 times per covered accident) - Child: 100 Epidural pain management (up to 2 times per covered accident) - Spouse: 100 Epidural pain management (up to 2 times per covered accident) - Employee: 100 Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Child: 100 Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Spouse: 100 Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Employee: 100 Physical and occupational therapy (per visit, up to 10 times per covered accident) - Child: 100 Physical and occupational therapy (per visit, up to 10 times per covered accident) - Spouse: 100 Physical and occupational therapy (per visit, up to 10 times per covered accident) - Employee: 100 Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Child: 200 Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Spouse: 200 Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Child: 75 Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Employee: 200 Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Spouse: 75 Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Child: 150 Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Spouse: 150 Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Employee: 75 Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Employee: 150 WELLNESSBENEFIT: ACCIDENTALDISMEMBERMENT: Loss of sight or loss of an eye — one eye - Child: 5000 Loss of sight or loss of an eye — one eye - Spouse: 10000 Loss of hearing or loss of an ear — one ear - Child: 5000 Loss of hearing or loss of an ear — one ear - Spouse: 10000 Loss of sight or loss of an eye — one eye - Employee: 10000 Loss of hearing or loss of an ear — one ear - Employee: 10000 Loss of a finger or loss of a toe — one finger or one toe - Child: 500 Loss of a finger or loss of a toe — one finger or one toe - Spouse: 1000 Loss of a finger or loss of a toe — one finger or one toe - Employee: 1000 Loss of a finger or loss of a toe — two or more fingers or toes - Child: 1500 Loss of a finger or loss of a toe — two or more fingers or toes - Spouse: 3000 Loss of a finger or loss of a toe — two or more fingers or toes - Employee: 3000 Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Child: 10000 Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Spouse: 10000 Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Employee: 10000 LIFEANDDISMEMBERMENTLOSSES: Accidental Death - Child: 25000 Accidental Death - Spouse: 50000 Accidental Death - Employee: 50000 Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Child: 100000 Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) -Spouse: 200000 Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Employee: 200000 Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Child: 25000 Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Spouse: 25000 Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Employee: 25000