Protect Your Income, Health, and Peace of Mind After an Unexpected Accident
Life can change in an instant — and when an accident happens, the financial impact can be just as painful as the injury itself. With accident and disability insurance, you get a safety net that pays cash benefits directly to you, helping you cover medical bills, lost income, and essential expenses while you recover.
At My Health Insurance Advisers, we help individuals and families secure supplemental accident insurance designed to fill the financial gaps left by traditional health insurance. Our advisers compare plans, explain benefits clearly, and help you choose an accident insurance policy that matches both your needs and your budget.
What Is Accident and Disability Insurance?
Accident and disability insurance provides cash benefits when you suffer a covered injury or become temporarily unable to work due to an accident. These benefits can be used for anything — not just medical bills — giving you the flexibility to stay financially stable during recovery.
This supplemental protection is especially valuable for self-employed workers, active families, and anyone who wants extra financial security beyond standard health insurance.
Why Consider Personal Accident Insurance?
Health insurance alone often doesn't cover everything. Ambulance rides, ER visits, deductibles, lost wages, and recovery costs can add up quickly.
Personal accident insurance provides benefits for injuries such as:
- Fractures & dislocations
- Concussions
- Burns & lacerations
- Emergency room visits
- Hospital stays
- Physical therapy
- Accidental death & dismemberment (depending on the plan)
Whether it's a fall, a car accident, or a sports injury, this coverage helps protect your savings and your family's financial stability.
Accident and Injury Insurance: Coverage That Fills the Gaps
Even with strong health insurance, you may still face:
- High deductibles
- Co-pays for emergency care
- Out-of-network doctor fees
- Loss of income from time off work
Accident and injury insurance helps cover those unexpected costs by paying you a lump-sum benefit after a covered accident. You choose how to use the money — medical expenses, rent, childcare, groceries, or anything else your family needs during recovery.
Supplemental Accident Insurance: Extra Protection for Florida Families
As a bilingual, relationship-first agency serving communities across Florida, My Health Insurance Advisers understands the importance of having the right safety net in place.
We specialize in supplemental accident insurance plans that provide:
- Cash benefits paid directly to you
- Affordable monthly premiums
- Flexible benefit amounts
- Coverage options for individuals, couples, and families
- Add-ons for disability, hospitalization, or accidental death
- Easy approval with minimal medical questions
Supplemental Plans Are Especially Helpful For:
- Self-employed workers
- Trades & labor occupations
- Families with active children
- Seniors who want added peace of mind
- Individuals with high-deductible health insurance plans
What's Included in an Accident Insurance Policy?
A strong accident insurance policy may include:
- Emergency Treatment Benefits: ER, urgent care, x-rays, ambulance services
- Hospitalization Benefits: Per-day payments for hospital stays
- Disability Benefits: Cash support if you can't work due to your injury
- Follow-Up Care: Physical therapy, follow-up visits, rehabilitation
- Fracture & Dislocation Benefits: Based on severity
- Accidental Death & Dismemberment (AD&D): Additional financial support for your family
Our advisers walk you through each benefit so you can feel confident selecting the right level of protection.
Why Choose My Health Insurance Advisers?
- Bilingual, personalized support in English and Spanish
- Local Florida advisers who understand real risks and real budgets
- Independent guidance, comparing multiple carriers on your behalf
- Clear, honest explanations — no pressure, no confusion
- Full-service help with enrollment, claims, and policy updates
Our goal is simple: Protecting What Matters Most — Your Health and Peace of Mind.
Get a Quote for Accident & Disability Insurance
Take control of your financial security today. Whether you need personal accident insurance or a more comprehensive accident and disability insurance plan, our licensed advisers will help you find the right fit.
To speak with a bilingual insurance adviser today.