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Financial Protection Plans

Financial protection plans are designed to help you plan for the unexpected—and help protect the financial future for you and your family.

Hospital Indemnity Protection Plan

For help protecting your budget from high hospital bills, hospital indemnity can work alongside your health plan by paying you cash after hospital care. You can use the cash any way you choose—from paying hospital stay expenses to your health care deductible to out-of-pocket costs and more.

  • Highlights

  • Benefits payable for

  • Get paid for receiving health screenings

View plan benefits:

Benefit Summary: Hospital Indemnity Protection Plan Opens in a new tab

IMPORTANT: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

Critical Illness Protection Plan

Protect your finances and your family against the impact of a critical illness. Critical illness insurance helps ensure that, should you be diagnosed with a critical illness, you’ll have financial support to help you with paying daily living expenses.

  • Highlights

  • Base plan

  • Child-only coverage

  • Get paid for receiving health screenings

View plan benefits:

Benefit Summary: Critical Illness Protection Plan Opens in a new tab

PLEASE NOTE: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

Accident Protection Plan

Prepare for the unexpected with accident insurance that helps reimburse you if you receive care for a covered injury.

Accident insurance sends you a payment if you have a covered injury. The amount you receive will be based on the covered expenses, which may include emergency room services, surgeries, recovery care and more.

Highlights

  • Lump sum payment is paid directly to you after you submit your claim request and we verify it’s for a covered injury.
  • Use the payment in any way you choose such as helping pay your mortgage or rent, your deductible or other out of pocket expenses.

  • If you have a UnitedHealthcare Health Plan, a Claim Advocate can help you submit your claim.
  • Coverage is portable so, if you change jobs, you can take the plan with you.

  • Base benefits

  • Get paid for receiving health screenings

View plan benefits:

Benefit Summary: Accident Protection Plan Opens in a new tab

PLEASE NOTE: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

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UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. This product is not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company. Critical Illness coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all tates. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change.

Enrollment support

Need help or have questions about enrolling? Call 1-866-351-6804, Monday - Friday, 8 a.m. - 6 p.m. local time

For Medical Emergencies, call 911

Member support

Are you a current member with a question or looking for help? Call us at the number on your ID card.

Resources

Disclaimers

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