Henry's 15-year-old daughter was an excellent soccer player, and she loved to play hard. During a game one day, her leg got tangled with her opponent's and she was unable to walk on it. Henry rushed his daughter to the emergency room, where scans revealed a dislocated knee.
The diagnosis was a tough blow for them. While scheduling her surgery, Henry filed a claim and provided medical documentation showing the dislocated knee. This is where Henry's Accident insurance kicked in. The Standard paid a dislocation benefit and automatically issued payments for an X-ray benefit. An appliance benefit also covered crutches and two follow-up visits, all while they were still waiting for surgery. Because of the nature of the injury, these benefits were automatically paid without the need to submit additional documentation. The coverage provided extra cash to help with copays, therapy and necessary medical devices, offering timely support when it was needed most.
Additionally, Henry's insurance plan included a Youth Organized Sports Benefit, which provided an extra 25% payment on top of the total benefits. The extra support was a significant relief for Henry, ensuring that his daughter received the best possible care without any more financial stress.
Henry's insurance benefits helped cover the following costs:
- Emergency room costs
- X-rays
- MRI
- Surgical dislocation of knee
- Surgical facility
- Crutches
- Physician follow-up
- Two sessions of physical therapy
Henry could breathe easier afterwards. He also found the process simple and straightforward. He was glad he had Accident insurance when he and his family needed it most.