Test your supplemental health benefits knowledge

Take this simple quiz to test your knowledge and learn more on how supplemental health insurance, like accident, critical illness, and hospital indemnity insurance can help protect you and cover gaps in your medical coverage.

Mother helping son ride a bike

Test your supplemental health benefits knowledge

Take this simple quiz to test your knowledge and learn more on how supplemental health insurance, like accident, critical illness, and hospital indemnity insurance can help protect you and cover gaps in your medical coverage.

Take this simple quiz to test your knowledge and learn more on how supplemental health insurance, like accident, critical illness, and hospital indemnity insurance can help protect you and cover gaps in your medical coverage.

Medical expenses are the most common reason people file for bankruptcy, and 62% of them have medical insurance.1,2 Did you know there’s insurance specifically designed to help cover additional medical costs that can help keep you physically and financially healthy?

1. What is the average cost of a 3-day hospital stay?
2. What is the estimated in-network cost of treatment for a broken ankle, including local anesthesia and hospital facility fees?
3. On average, how much money do working Americans say they could cover in medical expenses before having to borrow money?
4. Which of the following is among the most common causes of accident insurance claims?
5. Joe was injured in a bicycle accident. If Joe had an accident insurance policy through his job, which of these services would be covered by the policy to help reduce his out-of-pocket costs?
6. Carol goes to the ER and is admitted into the hospital for emergency surgery. Fortunately, Carol has medical insurance, but incurs $3,815 of out-of-pocket expenses. Which type of insurance could help her cover her out-of-pocket costs for an admission, regardless of whether the surgery was related to an accident or a sickness?
7. Supplemental health insurance benefits provide a cash payment for non-medical expenses, such as transportation costs to and from treatment centers, which are generally not covered by medical insurance.
8. When you leave your job, any supplemental health insurance coverage you purchased through your employer will end.
9. How much does accident insurance cost per month?
10. Many supplemental health plans include a wellness benefit that pays you money when you complete which of the following:

We hope you found this information helpful and use it as you review your protection needs. Check out additional resources that can help you navigate through your benefit options.

Disclaimer

Sources for quiz answers:

1

Investopedia, Top 5 Reasons Why People Go Bankrupt, March 2021

2

Spendmenot.com, Medical Bankruptcy Statistics, May 2022

3

Healthcare.gov, last accessed July 2022, Why coverage is important

4

fairhealthconsumer.org (using data for 04032 Zip)

5

Guardian Workplace Benefits StudySM: 9th Annual, 2020

6

Guardian claims data

7

Internal Guardian reporting

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