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IS YOUR MEDICAL COVERAGE ENOUGH?<\/SPAN><\/P>\n

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Do you have adequate coverage?  <\/SPAN>If you or any member of your household were injured in an automobile accident (either at fault or not), would $5,000 take care of the hospital bill?  <\/SPAN>Doctors?  <\/SPAN>Medication?  <\/SPAN>Rehabilitation?  <\/SPAN>Do you have Major Medical Coverage that provides $0 deductible?  <\/SPAN>100% protection for Medical Expenses?<\/SPAN><\/P>\n

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In the current day issues concerning Medical Insurance, there is an option that you may want to consider.<\/SPAN><\/P>\n

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Your Auto Insurance Policy provides Medical Coverage for you in the event that you would be injured in an “auto” incident.  <\/SPAN>The State Of <\/SPAN>Pennsylvania<\/SPAN><\/st1:place><\/st1:State> requires that everyone who registers a vehicle in the State, must carry $5,000 Medical Coverage (First Party Benefits Coverage).  <\/SPAN>This coverage would apply to you<\/B> and any member of your household <\/I><\/B>who sustains an auto related injury – no deductible, no co-pay, no “in network” restrictions<\/I>.  <\/SPAN>You can be a driver, a passenger, a pedestrian, or even slam your finger in a friend’s car door…….if it involved an auto, YOUR <\/U><\/I><\/B> <\/SPAN>Auto Insurance policy would pay FIRST!  <\/SPAN>The limit on your Auto Policy is a “per person” limit.  <\/SPAN>Therefore, if you carry the minimum coverage ($5,000), this applies to “each person”.  <\/SPAN>That is Pennsylvania Law.  <\/SPAN>You have an option on your Auto Policy to increase the Medical Benefit to $100,000 <\/SPAN>AND<\/SPAN><\/st1:stockticker> to add EMB (Extraordinary Medical Benefits) Coverage up to $1,000,000!  <\/SPAN>The EMB Coverage applies to the Medical Expenses you would have that exceed $100,000. Ideally, you can have Medical Coverage on your Auto Policy totaling $1,100,000.  <\/SPAN>(Remember, this is for an Auto related injury).<\/SPAN><\/P>\n

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In a recent account of an auto accident involving a young driver, their auto policy showed $5,000 Medical Coverage.  <\/SPAN>They also had medical coverage through an independent Medical Insurance carrier.  <\/SPAN>The driver was involved in a single car accident that caused them to flip their vehicle.  <\/SPAN>They suffered a spinal chord injury that resulted in not only extensive Hospital and Doctors bills, but physical therapy and rehabilitation expenses.  <\/SPAN>Since the Auto Policy already paid the $5,000 Medical Limit on the Auto Policy, these expenses fell under his Medical Insurance and coverage “ceased” only 2 weeks in rehabilitation!  <\/SPAN><\/SPAN><\/P>\n

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There is a spinal chord injury center in <\/SPAN>Colorado<\/SPAN><\/st1:place><\/st1:State> that could have helped, but since the expense was not covered under their Medical Insurance and they already spent the $5,000 from the Auto Policy, they were unable to personally afford the trip for the treatment!  <\/SPAN>Had they had the maximum benefit of $1,100,000, their expenses to the <\/SPAN>Colorado<\/SPAN><\/st1:PlaceName> <\/SPAN>Treatment<\/SPAN><\/st1:PlaceName> <\/SPAN>Center<\/SPAN><\/st1:PlaceType><\/st1:place> would have been paid by their Auto Policy.<\/SPAN><\/P>\n

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We know that each person’s financial situation is different.  <\/SPAN>We urge you to call for quotes to increase your Auto Medical Coverage or just to check on the cost to add the EMB Coverage.  <\/SPAN>See if this is “affordable” coverage for you….or your children…..or your friend……or your neighbor……anyone who may benefit from this extra coverage.<\/SPAN><\/P>\n

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HARTZOK INSURANCE AGENCY<\/SPAN><\/B><\/P>");