Suplimental Insurance and HSA
My employer recently move us to an HSA insurance program. It looks like a good deal. My employer is going to contribute the difference in premium between our previous PPO plan and the new HSA plan into our HSA accounts.
My question is with a $10,000 deductible does it make sense to get some form of accident insurance? Myself and my family are young and very healthy. It seems our greatest risk would be the cost associated with an accident. In addition to the standard Aflac supplemental insurance I have also found a company called Wholesale Benefit Association (WBA) that offers to cover the first $10,000 in accident related cost after a $100 deductible is met. For my family the monthly cost for this coverage would be $64. Does this make sense? Has anyone heard of this type of insurance? Are there other companies offering this?
Here is a link that might be useful: WBA Accident Insurance