Accident / Association plans include a few different benefits. They cover bills up to a specified amount due to accidental reasons, including things like car/bike accidents, food poisoning, sporting accidents, and even slipping off a curb and breaking your wrist (which I’ve done!). Some of these plans also make payments if you have to spend more than one night in a hospital due to an accident or serious disease. They may provide a free, unlimited use 24/7/365 online doctor service which can be used for advice or to prescribe medication for minor problems. These plans are excellent to supplement high-deductible plans, provide some out-of-area coverage for those who travel, and even provide support for a college student far from home.