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The Prudential Insurance Company of America (Prudential)
1 Out-of-pocket expenses related to an illness or injury may be both medical and non-medical expenses.
2 CDC, “National Hospitality Ambulatory Medical Care Survey: 2010 Emergency Department Summary Tables.”
3 Bonafede M, Espindle D, Bower AG. Abstract, “The direct and indirect costs of long bone fractures in a working age US population.” J Med Econ. 2013;16(1):169-78. doi: 10.3111/13696998.2012.737391. Epub 2012 Oct 22. http://www.ncbi.nlm.nih.gov/pubmed/23035626 (accessed June 7, 2016)
4 David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, and Steffie Woolhandler, MD, MPH, "Medical Bankruptcy in the United States, 2007: Results of a National Study," American Journal of Medicine, 2009.
This site may contain marketing language on products issued by The Prudential Insurance Company of America that has not yet been approved in all states.
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
These Critical Illness and Accident coverages are not comprehensive health insurance coverage (often referred to as "Major Medical Coverage").
They do not satisfy the individual mandate of the Affordable Care Act. They do not meet the requirements of minimum essential coverage as defined by federal law.
Group Critical Illness and Group Accident Insurance coverages are limited benefit policies issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential's Group Critical Illness and Group Accident Insurances are not substitutes for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and do not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Group Critical Illness Contract Series: 114774. Group Accident Contract Series: 83500.
For Compliance use Only