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

Faster, easier claims process with Benefit Assist3

When employers offer a UnitedHealthcare medical plan alongside any or all supplemental health plans, integrated data enables faster employee notification when medical claims may qualify for supplemental health reimbursement. Supplemental claims payouts for wellness and Hospital Indemnity are generated automatically based on medical claims data.

More value with Packaged Savings®

Bundle a UnitedHealthcare medical plan with UnitedHealthcare supplemental health plans for potentially lower medical plan costs and simpler administration.

Benefits paid directly to employees

With many employees in high deductible health plans, supplemental health plans can expand an employer’s benefits package by providing valuable first-dollar benefits directly to employees to help pay out-of-pocket costs like deductibles and coinsurance, prescriptions, living expenses and more.

Flexible funding options for employers

From fully employer paid to voluntary (100% employee paid) to base/buy-up options, employers can choose from several funding options to enhance their benefits package and fit their budget.

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.

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.