Overview of Accident & Medical Expense Plans

Accident and medical expense (AME) plans are designed to cover costs from unexpected injuries and certain illnesses. They often provide first-dollar coverage—meaning they pay from dollar one, without deductibles.

What AME Plans Cover

These plans typically cover emergency room visits, ambulance rides, X-rays, stitches, broken bones, and follow-up care resulting from accidents. Some plans extend to cover certain illnesses as well.

The First-Dollar Advantage

Unlike traditional insurance with high deductibles, AME plans often start paying immediately. This means if you break your arm, you're not paying $3,000 out of pocket before coverage kicks in.

Ideal Use Cases

Ideal candidates include: active individuals with higher injury risk, families with active children, people with high-deductible health plans, and those wanting to fill gaps in primary coverage.