Med coverage on your insurance.....

I would double and triple check this. We have a pretty comprehensive policy and what you are describing would go as an occ accident claim. Sent message to my agent and another and see what they say.

Way understand medical on insurance it is to cover medical when thre is a vehicle accident claim.

 

This may or may not help you at all but it's an appropriate thread I think to put it in for all self employed to read. Let me first say I'm not an O/O but once looked at pursuing the adventure. I had concerns about health insurance since I have a family to support. I discovered something called a health savings account or HSA. It allows u to put pretax dollars in to use for medical needs, however you have to have a qualifying health insurance plan that meets the federal requirements. I was surprised at how affordable insurance was for our family when you increase the deductible. Most quotes from the well known providers were around $180/mo with I think a $10k deductible and around $230/mo for a $6k deductible family policy. It was about 5 years ago I checked on it so I have no idea of the details surrounding HSA'S today but then a family could contribute up to $6450 pretax a year. Single policies had a much lower contribution limit. You can find a world of information by googling HSA. Oh and lots of people get it mixed up with a medical savings account. The big difference is the unused portion of a MSA is lost at years end where an HSA rolls over its unused portion year after year so the account can grow with no limits. I know I sound like an insurance salesman, I promise I'm not, I just thought I would present another option for you and anyone whose researching health ins options.