AccidentWise Accident Insurance
One bad fall. One unexpected injury. One moment that changes everything. AccidentWise pays cash directly to you after an accidental injury — and you never have to answer a single health question to qualify.
- Licensed Medicare Agent
- 9 States Served
- No Pressure
- Free Consultations
What Happens After an Accident — and What Medicare Doesn’t Tell You
You know Medicare covers doctor visits and hospital stays. But what about the $250 ER copay? The follow-up visits? The physical therapy sessions? The cab rides because you can’t drive? The help around the house because you can’t bend, lift, or climb stairs for six weeks?
These out-of-pocket costs hit fast, and they hit hard. The average American over 65 visits the emergency room more than once per year. Falls alone account for over 3 million ER visits among seniors annually. And that’s before we count car accidents, kitchen injuries, yard work mishaps, and everything else life throws at you.
AccidentWise exists for exactly this reason. It’s not replacing your Medicare — it’s the financial cushion that catches you when an accident knocks you sideways.
How AccidentWise Works
You have an accident. You get treated. AccidentWise pays you a fixed cash benefit for each covered service — regardless of what Medicare, Medigap, or any other insurance pays. No coordination of benefits. No reductions. No networks.
You're injured in a covered accident
A fall, a car accident, a sports injury — any unexpected external event that causes bodily injury.
You receive medical treatment
See any doctor, visit any ER, go to any hospital. There are no network restrictions.
You file a simple claim
Submit proof of treatment. No complicated paperwork, no fighting with insurance companies.
AccidentWise pays you directly
A check or direct deposit — into your account. You decide how to spend it. Bills, rent, groceries, whatever you need.
Choose Your Benefit Level
Three plan levels — same guaranteed issue, same zero health questions. The only difference is how much you receive per covered event.
| Benefit | Plan 10000 | Plan 15000 | Plan 20000 |
|---|---|---|---|
| Max Per Accident | $10,000 | $15,000 | $20,000 |
| Hospital Admission (up to 10 days) | $1,000/day | $1,500/day | $2,000/day |
| Emergency Room | $250 | $375 | $500 |
| Urgent Care | $125 | $187 | $250 |
| Major Diagnostic Exam | $200 | $300 | $400 |
| Follow-Up / Physical Therapy (6 visits) | $75/visit | $112/visit | $150/visit |
| Outpatient Surgery | $500 | $750 | $1,000 |
| Accidental Loss of Life | $10,000 | $15,000 | $20,000 |
| Loss of Limb or Sight (per limb/eye) | $5,000 | $7,500 | $10,000 |
| Monthly Premium (approx.) | ~$15 | ~$28 | ~$44 |
Premiums shown are approximate for a 65-year-old non-smoker. Your actual rate may vary by age, state, and tobacco status. Premiums do not increase as you age.
What Makes AccidentWise Stand Out
100% Guaranteed Issue — no health questions, no medical exam, no underwriting of any kind
No preexisting condition exclusions — coverage starts immediately for accidents
No waiting period — you're covered from day one
Premiums locked — they never increase because of your age
No network — see any doctor, any hospital, anywhere
Dependent children covered at no additional cost (under 26, or any age if disabled)
Spouse coverage available at the same plan level
Guaranteed renewable for life — the company cannot cancel your policy
What a Claim Actually Looks Like
Scenario: You slip on a wet floor at the grocery store and fracture your wrist.
This is in addition to whatever Medicare pays the providers. AccidentWise pays you — not the hospital.
Available in 43+ States
AccidentWise is available in most states. During enrollment, your state will be confirmed automatically.
Available: AL, AK, AZ, AR, CA, CO, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
Not currently available in CT, MA, NJ, NM, NY, or VT. Availability may change — check during enrollment.
Ready to Get Protected?
AccidentWise is 100% guaranteed issue. No health questions. No medical exams. If you’re between 18 and 75, you qualify — it’s that simple.
Enroll Now — Guaranteed Approval
No health questions. No waiting period. Coverage begins on your selected effective date for any accident occurring after that date.
Important: AccidentWise covers future accidental injuries only. It does not cover injuries or conditions that occurred before your coverage effective date, and it does not cover illness or disease. This is a fixed indemnity plan — not Medicare Supplement or major medical insurance. Benefits vary by state.
You’ll be taken to UnitedHealthOne’s secure enrollment site. You can compare plan levels and see your exact premium before committing.
Questions? We’re Here to Help.
Not sure which plan level is right for you? A licensed agent can walk you through the options in five minutes — no obligation, no pressure.
Get a Free AccidentWise Consultation
We'll review your situation and help you choose the right plan level.