Supplemental health plans
If faced with an unexpected $500 expense, 45% of Americans said they couldn’t cover it.1 For employees dealing with the added costs that often accompany a major illness or accidental injury, a health plan alone may only go so far. UnitedHealthcare Accident Protection, Critical Illness Protection and Hospital Indemnity supplemental health plans2 are designed provide additional financial security with solutions payments that employees can use however they want.
Providing additional support for health challenges
Supplemental health plans for a more complete benefits package
All UnitedHealthcare supplemental health plans pay benefits directly to employees after a covered injury or qualifying health event. There’s no deductible, and employees can use the money however they want, such as to help make up for lost wages, cover deductibles and coinsurance or pay for daily living expenses. Plus, because these supplemental health plans are guaranteed issue, there are no health questions or physical exams required for employees to qualify for coverage.
In 2020, 46.8 million Americans needed medical attention for an injury.4 Even with health insurance, accidental injuries can cost employees thousands of dollars out-of-pocket. With a UnitedHealthcare Accident Protection plan, employers can tailor the benefit schedule and coverage amounts to pay out for 80+ common covered injuries and services, including:
- Initial care and emergency treatment
- Hospital and follow-up care
- Organized sports activities
- Additional benefits for accidental death and dismemberment, medical appliances, child care and more
More than 30 million U.S. adults were diagnosed with heart disease as of 2018,5 and an estimated 1.9 million people were diagnosed with cancer in 2021.6 A UnitedHealthcare Critical Illness Protection plan is designed to pay employees a lump sum benefit directly after diagnosis of a covered critical illness like a heart attack, cancer or stroke, as well as conditions like advanced Alzheimer’s, multiple sclerosis, Parkinson’s and more.
Employers can choose from a variety of benefit amounts, including a base amount and buy-up options for employees, spouses and children.
With a 3-day hospital stay costing an average of $30,000,7 a UnitedHealthcare Hospital Indemnity plan is designed to help provide additional financial security, so employees can focus on recovery. Benefits are payable directly to employees for:
- Hospital admission
- Hospital confinement
- Intensive care unit (ICU) admission
- Short-term observation
- Rehabilitation therapy
- Drug and alcohol treatment
- Mental and nervous disorder treatment
Simpler administration with Benefit Ally
With UnitedHealthcare Benefit Ally®, employers can offer all 3 UnitedHealthcare supplemental health plans alongside an eligible UnitedHealthcare medical plan. Plan administration is made simpler with integrated eligibility, claims and billing, streamlining the employer experience and increasing member satisfaction by providing financial support when it is needed most.
Financial wellness benefits are critical to advancing whole-person health
In a tight labor market, financial wellness benefits may be the difference in attracting and retaining top talent or seeing them go. Employers can pave the way to financial wellness for their employees by offering financial literacy resources and managing the high costs of health care.