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Member Services:
462 Midland Rd #100
Janesville, WI 53546
(800) 279-2290
low cost health insurance


Premium cost is as low as $20 per person per month
Immediate online approval with coverage starting the next day
No medical questions on the application
Does not covers pre-existing medical conditions
Includes ambulance, ER, doctor, surgery, in-patient or out-patient costs
Use any doctor or hospital

Covers cost of medical care resulting from accidents up to $250,000.  Includes doctors, hospital charges, ambulance, emergency room, X-ray and lab costs. Freedom to choose any doctor or hospital. An excellent inexpensive supplement to high deductible group insurance plans.
low cost health insurance
Who is eligible?
Individuals under age 65 who have been issued a social security number and are not members of the armed forces.
low cost health insurance
About the Insurance Company
Smart Accident Insurance is
underwritten by Markel Insurance Company and administered by SAS Insurance Services Inc.

Product Review

Smart Accident Insurance helps with the of medical care resulting from accidents, allowing you can focus on getting care rather than worrying about paying these bills. Accidents can be as simple as twisting an ankle or as devastating as an automobile accident. This coverage may be used with any doctor or hospital.

Eligibility: individuals underage 65 who are not members of the armed forces.

Benefits: Maximum coverage ranging from $25,000 to $250,000 for medically necessary care due to accidents including hospital charges, out-patient services, physician services, surgery in a hospital or ambulatory surgical center, intensive care, x-ray, laboratory, ambulance and emergency room visits.

Deductible and Co-insurance: Deductible choices from $250 to $5,000. A co-insurance of up to 50% may be selected.

Coverage period: This insurance may be renewed indefinitely.

Exclusions & Limitations: This insurance does not cover Pre-existing conditions. Certification is required for some treatments. 

Benefits vary by state. Refer to your coverage document for specific terms and conditions.


Affordable rates, liberal eligibility, wide range of policy options, permanently renewable. Immediate issued online with coverage effective the next day.


No coverage for illnesses, diseases or pre-existing medical conditions.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.