Accidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benefit to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater financial security. Accident insurance costs: You or One Child / Spouse (i.e. One Person): $17.23 per month Couple: $28.24 per month One Parent Family: $30.76 per month Two Parent Family: $41.77 per month NOTE: NY State plans & rates differ.