Is accident insurance coverage right for you?

By Kathy Carvin, HealthMarkets Insurance Agent

No matter what your age or choice of activities, accidents can and do happen. Sport season is amping up, which means slips and tumbles on the field become commonplace. Kids are riding bikes and living it up outdoors, climbing trees and catching fireflies, which increases the opportunity for a mishap.

Yard warriors are back at it outside, and they’re also tackling home improvement projects, straining their backs and missing steps on ladders.

Seniors are at risk for accidents simply by walking out to get the mail.

The point is, anyone can have an accident at any time. There is no discrimination.

But what can help to ease the suffering for the person paying the bills that come with an accident is insurance coverage that provides a lump-sum payment should an accident, accidental death or accidental dismemberment happen.

And the best part is, there is no age restriction. Parents can cover their child or children, people can cover themselves, or kids might decide to take out a policy on an aging family member at risk for falls and more.

An accident policy is an ideal way to bridge the gap between out-of-pocket expenses and when health insurance kicks in. There are no health requirements, age limitations and everyone qualifies.

I can help you determine if an accident policy is a good fit for you or someone you care about. And, as always, my guidance is at no charge.

Kathy Carvin, a licensed insurance agent with HealthMarkets Insurance Agency, has offices at 10512 Northfield Road, in Northfield, and 28881 Lorain Road, in North Olmsted. Call 216-375-5902.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No obligation to enroll. HealthMarkets does not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) to get information on all of your options. 49631-HM-0423