Author Topic: Supplemental Accident Insurance  (Read 894 times)

OneCoolCat

  • Bristles
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Supplemental Accident Insurance
« on: July 07, 2015, 03:50:03 PM »
I recently had a slip and fall in my home and broke my shoulder.  I went to the ER and have a $1500 bill from it (my deductible).  ER doctor referred me to an orthopedic doctor who found my injury was caused by the slip and fall but my bone broke because i had a benign bone cyst in my shoulder.  I'm wondering if this is still considered an accidental injury or if the bone cyst would be a "pre-existing condition" that negates coverage.

MrsCoolCat

  • Bristles
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Re: Supplemental Accident Insurance
« Reply #1 on: July 09, 2015, 11:21:38 AM »
Ur deductible is $1500 but ur only being billed for $950 for the ER, which went towards THAT deductible.