Edmond Consulting Group LLC
PO Box 1294
PALMETTO, GA 30268
Or you can reach us at
You can also use our contact form.
New Online Website
Now you can find out everything about our services on our Website.
Accidents happen when you least expect them. Every day we are exposed to situations that could result in an accident. Each year, millions of people are injured and survive. In fact, more than 3 million people are hospitalized, and 27 million people are treated in emergency departments and released.1 Even with health insurance, the extra costs from an accidental injury can really add up and may leave you in a financial hole.
Consider the affect a common accident may have on your financial picture. Could you afford thousands in out-of-pocket medical costs? What if you didn’t have a primary health insurance plan? Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy is a helpful and sensible precaution.
What does accident insurance cover?
The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, can help you prepare your budget for unexpected medical costs resulting from a hospital stay.
Why should I purchase hospital insurance?
On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:
What is critical illness insurance?
Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.
Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.
A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work. That’s when a Critical Illness plan can come into play.
Tax-advantaged, cash benefit1
Flexibility to allocate money as needed
Simple application of questions with yes or no answers
Various maximum lifetime benefit amounts from $10,000-$50,000
1. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen
2. Several months later the policyholder is diagnosed with an eligible condition
3. Critical Illness insurance pays $30,000 to the policyholder as rehab continues
4. Policyholder has an emergency fund to cover financial obligations during recovery
Cash benefit to use as you see fit
How much coverage do I need?
The American Association for Critical Illness Insurance recommends to have enough coverage to make your mortgage payment for 2 years.
Fixed indemnity plans
Hospital and doctor fixed indemnity insurance is also often called fixed-benefit insurance or fee for service insurance. That’s because this type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.
Unexpected medical bills can disrupt even the healthiest home budgets.
A fixed indemnity is much different than a major medical insurance plan.
A regular major medical health insurance plan pays for all or a percentage of covered expenses after you meet a deductible, pay a copay or reach a certain amount of out-of-pocket costs. Put simply, for qualified expenses, in most cases, you pay first, and then your insurance company covers the rest.
A fixed indemnity plan offers limited benefits and is meant to supplement a more traditional health insurance plan. Indemnity insurance essentially flips how you are paid when compared to major medical insurance. You are paid a predetermined amount for certain health care expenses you have incurred, and then you are on your own for the rest.
Apply benefit payments toward your other health plan's deductible
Get cash to help meet prescription drug copays
Help pay your share of lab or diagnostic costs, like for blood tests or X-rays
Have money for those unforeseen expenses surrounding a planned or an unplanned surgery
It’s simple. Just attach a receipt for a qualified expense to a completed claim form and submit it. You get paid cash in the amount specified in your plan for that service.
1. Receive care for a qualified medical expense
2. Submit your receipt and your completed claim form
3. Receive a check to use any way you see fit
Short Term Recovery Care Insurance
For more information please click here
Privacy Notice: By clicking the send button, you agree that we may contact you at the listed phone number to verify your interest in receiving quotes. Receiving quotes through our website is always free and you are under no obligation to purchase any goods or services as a result of this request. Your information will not be passed, and will be kept private. By using this form you agree to the terms of our private policy as so stated.