Cover unexpected employee medical events with UnitedHealthcare Benefit Ally

UnitedHealthcare Benefit Ally® provides fully insured 100+ groups with financial support in the event of a covered unexpected medical event.

Benefit Ally combines Supplemental Health benefits – Accident Protection Plan (APP), Critical Illness Protection Plan (CIPP) and Hospital Indemnity Protection Plan (HIPP) – with Medical benefits, and pays covered employees directly in the event of an eligible accident, critical illness or hospitalization, like:

  • Emergency room visits related to an accident
  • Cancer
  • Heart attack
  • Stroke
  • Hospital admissions and intensive care unit and hospital stays

About Benefit Ally
Benefit Ally offers a simplified experience for both the customer and member. By bundling Supplemental Health products with Medical plans, members may receive additional financial support for unexpected medical events.  

Benefit Ally helps customers and members in the following ways:

Customer: Benefit Ally streamlines the administrative process for customers by bundling existing Supplemental Health products with Medical plans and offers this as a single package to the customer (e.g., single quote, invoice, etc.).
Employee/member: Benefit Ally simplifies the member’s experience by automating the claims payment of Supplemental Health benefits; the member automatically receives a Supplemental Health benefit check when a qualifying event/diagnosis is identified (via medical claims).

Benefit Ally – Value versus Benefit Ally – Enhanced 
Benefit Ally is available as two different packages: “Benefit Ally – Value” and “Benefit Ally – Enhanced.” While the Supplemental Health benefits covered in each package are identical, the member payouts differ. For example:

  • Benefit Ally – Value: Pays the member $3,000 for a cancer diagnosis 
  • Benefit Ally – Enhanced: Pays the member $4,000 for a cancer diagnosis


Benefit Ally is available on fully insured (100+) plans in the following markets:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Iowa
  • Indiana
  • Kansas
  • Louisiana
  • Massachusetts
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Jersey – now including Oxford business with 3/1/23 effective dates
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington, D.C.
  • Wisconsin

Expansion efforts for Benefit Ally are pending. To learn more about Benefit Ally, watch this video. For additional information, please contact your broker or UnitedHealthcare representative. 

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