Plans that pay a cash benefit for specific medical services that may not be covered by a traditional health insurance plan.
Vision insurance plans can help you cover and budget for vision care expenses like routine eye exams, prescription glasses and contact lenses.
Insurance plans that offer cash benefits to help cover expenses related to qualifying serious illnesses.
Plans that help with the costs of hospitalization by paying a fixed cash benefit amount per day for hospital stays.
Plans that offer travel insurance for medical emergencies or illnesses, lost passports or baggage, travel assistance and more.
Insurance that helps prepare your family financially by paying a cash benefit in the event of your death.
What is supplemental insurance?
Supplemental health insurance typically covers services that your other health plan does not — such as dental or vision costs. Because chances are, your medical insurance plan isn’t going to cover everything. Completing your coverage with supplemental plans can save you money and help protect against unexpected costs.
Why choose supplemental insurance?
No one expects something major to happen to their health, but when it does, supplemental plans can help protect you and your family. Here are a few reasons why these plans may be a smart decision.
Get complete coverage
Filling in your coverage with supplemental plans means you’ll have help to pay for out-of-pocket costs not covered by your regular medical plan.
Protect your finances
Choosing cash benefit plans that pay a lump sum can give you peace of mind that you’re protected if an unexpected medical event happens — like a critical illness or accident.
Customize for your needs
With a variety of supplemental plans available, you can choose coverage that matches your age, family and situation so you have coverage that’s right for your life.
Find supplemental insurance plans in your state
You have a variety of insurance options with UnitedHealthcare, Explore the insurance plans available in your state and get fast, free quotes on coverage now.
No plans are currently available in New York. Residents should call 1-800-980-5213 for more information.
Frequently asked questions about supplemental plans
You can enroll in a supplemental insurance plan at any time. There may be a waiting period for your coverage to begin or before some benefits can be accessed, so be sure to check the benefit details when you choose your plan.
You may think about choosing supplemental coverage when:
- Your coverage through your employer doesn’t include coverage for dental or vision
- You’re buying your own medical plan and want to fill in your coverage, like dental or vision
- You want cash-benefit coverage to protect yourself in case of unexpected medical bills
- You have a Medicare plan and want to add supplemental plans to complete your coverage
A supplemental plan is not a replacement for a medical health insurance plan. It’s coverage that’s meant to be added to a health insurance plan.
A medical health insurance plan is important to cover most of your health needs, like yearly checkups with your primary doctor or routine medical care. A supplemental plan is coverage you can add to help protect you from paying costs your medical plan won’t cover.
Insurance bundles are a way to combine your coverage, so you can choose the right mix of plans to meet your unique needs. Everyone’s lifestyle and coverage needs are different, so bundling the plans you need can help ensure you’re choosing the right level of coverage for you. Depending on how plans are bundled, you could save money compared to buying these plans separately.
For example, if you have a health plan that doesn’t include dental or vision coverage, you could choose to bundle a dental plan with a vision plan. Together, a dental and vision plan would likely include coverage for your routine dental and eye exams, helping you save money. And in some cases, there’s no waiting period for coverage to start.
Some plans may have what’s called a “waiting period” before some benefits become available.
Certain plans, like dental or vision plans, may have no waiting period for some care. For example, sometimes routine dental visits or vision exams will be covered right away. But within those same plans, there could be waiting periods for major procedures related to your dental or vision care.
It’s a good idea to check the coverage details before you enroll in a plan to understand what the waiting period may be.
If you have a change in your situation, such as finding a new job that offers insurance or if your life circumstances change, you may decide you need to drop or cancel your supplemental coverage.
When you choose UnitedHealthcare supplemental plans, underwritten by Golden Rule insurance company, you will not have a penalty for cancelling your coverage.
As you shop around, be sure to check on this detail to be sure you understand how the plan benefits work.
If you find you need to drop or cancel your coverage, call the number on your member ID card to learn more.
Learn more about health insurance and supplemental plans
Browse the topics below to get familiar with health and supplemental plans and how to find coverage that’s right for you.
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