We’re diving into a topic that could save your wallet: protecting yourself from unexpected medical debt.

As we move into Open Enrollment, it’s no secret that premiums, deductibles, and out-of-pocket maximums are going up—some reaching over $10,000 in 2025. That means one visit to the ER could leave you with a massive bill, especially if you’re dealing with an accident.

🏥 Why Most ER Visits Happen

Did you know that the majority of emergency room visits are accident-related? Whether it’s a sports injury, a fall, or another sudden mishap, these unplanned events often land people in the ER—and without proper supplemental coverage, they’re financially devastating.

💰 The Real Cost of an ER Visit in 2025

Let’s break it down:

• Deductibles are rising—many plans now start at $7,000.

• Out-of-pocket maximums are climbing to $10,000+.

• If your plan doesn’t include ER copays or cost-sharing, you’re on the hook for all of it.

Even if you have a $2,000 ER copay plan (a “zero-copay” structure), that’s still a significant out-of-pocket hit.

💡 The Affordable Solution: Accident Insurance

This is where accident plans come in. The plan I recommend provides:

• Lump sum coverage starting at $2,500 and going up to $17,500.

• Payouts based on actual ER charges from accidents.

• Affordable premiums that offer real peace of mind.

I now include this plan with every quote. You can opt out—but I believe it’s my responsibility to inform you so you can make the best decision for your family.

🏥 Bonus Coverage: Add Riders for Critical Illness and Hospitalization

Want more protection? You can add:

• 🧠 Critical illness rider – covers heart attack, stroke, cancer, etc.

• 🛌 Hospital confinement rider – pays out if you’re admitted for an illness

These riders are guaranteed issues (with some pre-existing condition waiting periods). They offer added protection when your primary health insurance just isn’t enough.

💬 Final Thoughts

I’m making it my mission this year to help clients stay out of medical debt and in control of their healthcare costs. If I forget to include this accident option in your quote—please remind me! And if you’re new to JKapp Consulting, let’s talk.

📅 Book your free consultation today at jkappconsulting.com