How It Works: Personal Injury Insurance.
Accident & injury insurance programs help you because they pay you directly (tax free) when you get medical treatment after an injury or an accident. It does not matter where you get injured. It could be on the BJJ mats or even on the job. It also doesn’t matter if you have medical insurance, or not. These plans pay you directly after your injury, or accident(s). Each time you get hurt or injured and need to seek medical care this type of insurance policy will send you a check directly to help you pay for things like medical bills, or even just time off of work.
Jiu Jitsu Insurance (injury) plans allow you to access any licensed physician anywhere you need. If you have an accidental injury and you are enrolled in this insurance program, then you can go anywhere you prefer to get treated. For example, many physical therapists do not accept traditional health insurance plans anymore, however you can use the funds from our programs to pay for those bills!
Injury & accidental insurance plans don’t work like traditional health insurance plans, so you don’t need to show an ID card at the time or service. Instead, you will submit a claim after your service and the insurance company will send a check made payable to you, which you can use to pay your medical bills.
What’s Covered
Programs like these have been growing more popular in the last 10 years. This is because medical care is becoming more and more expensive. Health insurance costs and premiums have almost doubled over the last decade. And worst, people are forced to share the costs more than ever, when paying for health care. Even if people have major medical insurance they are usually paying a good chunk of out-of-pocket costs (deductibles, coinsurance, co-payment, and so on). A few scans at the ER or urgent care, and you could be looking at a big medical bill. Even a non-emergency visit to the ER costs on average $2,000. When you find yourself in the middle of an unexpected health crisis, the last thing you want to be doing is negotiating with health providers and insurance. At a small price of about $25 per month, you can cover a lot of the medical costs not covered by traditional health insurance plans. And that is why programs such as the ones we provide, are growing in popularity.
Our supplemental policies fill coverage gaps that medical insurance doesn’t typically cover. Even if it does cover, our policies still pay you a cash benefit after you get treatment. You can use that to pay for anything you want on a tax-free basis. The proceeds you get from having a policy like this belong to you with no strings attached.
SUPPLEMENTAL PLANS ARE GROWING IN POPULARITY!
Get Treated ANywhere! No Networks.
WHY OUR POLICIES ARE BENEFICIAL TO THE JIU JITSU COMMUNITY.
According to our founding partner Chris Martin, “I’ve been training jiu jitsu since 2008 and I have had lots of injuries requiring medical treatment. I have always had major medical insurance coverage, but for many years my medical bills kept unexpectedly piling up. I noticed on an average year, I spent between $2000 - $6000 on medical bills even with a major health insurance plan covering me.”
Medical debt from medical bills is a recurring a problem that many in the community face. As a result, a lot of BJJ practitioners avoid seeking treatment for injuries. This may be because they don’t have any insurance at all, or maybe because their medical plans have a high deductible that leaves them paying for most of the medical bills themselves. The problem is, in order to avoid more bills a lot of people opt to ‘wait and see’ rather than seeking help right away. This, obviously flawed, method of treatment can result in something even worse, and might even keep you off the mat longer than you would like.
So, a lot of times it is better to not “wait and see”, instead it’s as easy as adding a supplemental insurance policy if you are going to train in this martial art. Injuries happen more often than normal when you train and practice Jiu Jitsu for a longer period. More injuries equal more out-of-pocket medical expenses. So, when searching for a better solution, I discovered these specific types of insurance programs which my clients starting calling “JiuJitsuInsurance”, and it might not be a bad idea for you to check these out for yourself.
These supplementary injury insurance plans pay for services and expenses that your regular insurance doesn’t cover. I have found that active members of the Jiu Jitsu community who add policies like these get more cash benefits paid out to them. The cash benefits they receive from the insurance protection outweigh the premiums they pay each year. These numbers tell the tale. Injury insurance plans are also paid out more frequently when these policies are purchased by people who train BJJ — it’s just the nature of our sport. I wish I learned about these programs sooner. But, that is what most people say, isn’t it? Only after something unexpected happens, and an urgent treatment is needed that people wish to have known sooner. Considering the amount of injury in Jiu Jitsu, it makes sense to learn how the insurance programs at jiujitsuinsurance.com can be beneficial to the Jiu Jitsu community”, according to Martin.
“I have this insurance and was glad to have it when I injured my knee. It covered my out of pocket expenses and then some. Won’t step on the mats without it”