Supplemental health plans for employers

UnitedHealthcare supplemental health plans are designed to provide employees with additional financial support if unexpected health events happen.

Our Accident Protection, Critical Illness Protection and Hospital Indemnity Protection plans may pay employees a cash benefit. Depending on the plan, the benefit may be paid for covered injuries, the diagnosis of a covered condition or for a covered hospital stay or related expenses.

Built for employers and employees

Taking a connected, whole-person approach to supporting employees from prevention through complex care

Each supplemental health plan includes:

Flexible plan designs that can be built on any benefits administration platform
Optional wellness benefits
Portability
Enrollment education and support
Personal claim support
Medical claims and clinical integration

Additional protection for the unexpected

Whole-person support built for better care and cost outcomes

Even with a health plan, costs from an injury, illness or hospital stay can add up. Supplemental health coverage may help offset the financial impact of any out-of-pocket costs following a covered event. The payment is made directly to the employee — in addition to benefits received from their health plan or other benefits — and may be used or saved however they want.

Experience a simpler claims process

Whole-person support built for better care and cost outcomes

UnitedHealthcare supplemental health plans are designed to work for employers and their employees, providing an intuitive experience that includes:

A straightforward, proactive claims process with minimal paperwork
An easier benefit payment process for employees
Dedicated claims specialists for those claims not eligible for auto-payment

Supported by Benefit Assist

With Benefit Assist®, we take the heavy lifting off the employee and help ensure they get the benefits they are due — providing financial support when they need it most.

Using our uniquely integrated data and the power of artificial intelligence, Benefit Assist proactively looks for medical claims that may qualify for supplemental health plan payment. Once an eligible claim is identified, UnitedHealthcare may pay that claim automatically, or in some cases, reach out to the employee to initiate the claim on their behalf. Participation in Benefit Assist is optional and employees may visit myuhcfp.com to enroll or disenroll at any time.

Our supplemental health plans

Explore offerings to help protect employees’ financial well-being if the unexpected happens.

Accident Protection Plan

The Accident Protection Plan is designed to complement an employee’s health plan. It helps cover deductible costs and daily living expenses that employees may face following a covered injury.

Download the Accident Protection Plan flyer (pdf)

100+ common injuries and services covered

Certain common injuries like fractures, dislocations and concussions
Emergency room and urgent care, hospital and follow-up care for common injuries
Organized Sports Benefit pays an additional 25% for any covered participant

Critical Illness Protection Plan

The Critical Illness Protection Plan helps give employees more financial security in the event of a qualifying illness.¹

Download the Critical Illness Protection Plan flyer (pdf)

30+ common conditions covered

Includes heart attack, stroke, cancer, sudden cardiac arrest, skin cancer and some neurological conditions
Employees may be eligible for multiple benefit payouts for a diagnosis of the same covered condition and/or diagnosis of different covered conditions

Hospital Indemnity Protection Plan

The Hospital Indemnity Protection Plan helps give employees more financial security in the event of a hospital stay or related expenses.¹

Download the Hospital Indemnity Protection Plan flyer (pdf)

Benefits are payable for hospital stays and related expenses

Includes in-patient hospital and ICU admission and confinement

Bundle a supplemental health plan with a medical plan for potential savings

With our uBundle® and Packaged Savings® programs, we may be able to help employers lower their medical plan spend when bundling with supplemental health plans.

Plan resources and information

Managing employees’ biggest health challenges

Download the supplemental health plan flyer (pdf)

Get an overview of our supplemental health plans and learn how we’re simplifying the claims process.

Let's connect

Get a quote from a representative

Review your current coverage and see if a plan from UnitedHealthcare may be a better fit for your business.

Ask for a quote

Do you have fewer than 50 employees?

Compare health plans available in your area for your small business and ask for a quote.

Find a plan

Explore more plans and resources

Claims integration

Give employees a faster, simpler claims experience with Benefit Assist®, our uniquely integrated claims processing technology.

Learn about claims integration

Specialty benefits

Explore our full range of specialty benefit offerings that help deliver greater value, more flexibility and better health outcomes for employees. 

Learn about claims integration

View all products and solutions

Are you a current agent or broker?

Contact your UnitedHealthcare representative to get a quote for your clients. Or use the quoting tool on uhceservices to compare coverage options.

Contact your UnitedHealthcare representative to get a quote for your clients. Or visit uhceservices.com on your desktop or tablet device to sign in to your account.

Footnotes

Conditions and coverage may vary by state and group size.

Disclaimers

This material not for use in AZ, NM, NY

THIS IS A LIMITED BENEFIT POLICY.

This information does not replace your official health plan documents. Please see your official health plan documents for all coverage details, which includes limitations and exclusions. 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 the company.

This policy does not meet the definition of minimum essential coverage and therefore should not be used as a substitute for major medical health insurance.

UnitedHealthcare Supplemental Health Plan products are provided by UnitedHealthcare Insurance Company. Supplemental Health products are provided on policy forms UHCAC-POL-1 (01/12) et al., UHI-ACC-POL (2018) et al., UHICI-POL-1 et al., UHI-CIPP-POL et al., and UHIHIP-POL et al., in Texas on forms UHCAC-POL-1-TX (01/12) et al., UHI-ACC-POL-TX (2018) et al., UHI-APP-POL-TX et al., UHICI-POL-1 et al., UHI-CIPP-POL-TX et al., and UHIHIP-POL-TX et al., and in Virginia on forms UHCAC-POL-1-VA (01/12) et al., UHI-ACC-POL-VA (2018) et al., UHI-APP-POL-VA et al., UHICI-POL-1-VA et al., UHI-CIPP-POL-VA et al., and UHIHIP-POL-VA et al. 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.

Benefit Assist support is available at no additional cost to groups with a health plan and supplemental health plan from UnitedHealthcare. Benefit payments associated with the Supplemental Health Plan Benefit Assist program are subject to eligibility requirements and benefits outlined in your UnitedHealthcare policy. For more details, contact your broker or UnitedHealthcare sales representative.

Packaged Savings® and uBundle® programs are not available in all states or for all group sizes. Minimum participation requirements may apply. Please consult your UnitedHealthcare representative for more details.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.