Health Plans Made for Families and Individuals
UnitedHealthcare Insurance offers a wide variety of health insurance-related products. We can service individual, families and group employer sponsored programs. We can offer our clients dental and vision insurance at discounted rates. Vivna insurance takes your families health insurance needs very serious. We take a closer look at United Healthcare Insurance and their supplemental plans and share our findings with you here.
UnitedHealthcare offers a wide range of supplemental health, dental, and vision insurance plans for individuals, families, and employer sponsored health insurance plans including but not limited to, ACA (Affordable Care Act) plans.
Short Term Insurance
Short term health insurance offered through UnitedHealthcare Insurance is underwritten by the Golden Rule Insurance Company. Short term medical health insurance is most used when an individual cannot apply for the Affordable Care Act. (Often referred to as Obamacare) This may be due to the enrollment period expiring or they did not qualify for an extension.
Short term medical health insurance can also help individuals who are looking for coverage to bridge the gap between their current health insurance and Medicare, those turning 26 and coming off of their parents’ health insurance plan or those who are between jobs and in need coverage.
Dental and Vision Insurance
Dental and vision insurance options are offered through UnitedHealthcare Insurance. UnitedHealthcare insurance helps provide dental and vision insurance for common dental issues, including preventative care (routine cleanings, fluoride treatments) as well as emergency services, eye exams, glasses and much more. Major services such as root canals, braces, Lasik surgery can be covered, depending on the plan’s deductible and the waiting period. There are no age restrictions on UnitedHealthcare’s dental vision insurance.
Supplemental Insurance
Supplemental insurance plans from UnitedHealthcare is in addition to your health insurance. This is to supplement anything that is not typically covered under normal health insurance coverage. This can include things like:
| Hospital and Doctor insurance | A type of fixed indemnity plan for major medical expenses. It offers limited benefits and is designed to supplement your regular health insurance. Rather than pay the provider directly, this type of supplemental insurance pays you a predetermined amount for certain expenses you incur related to your healthcare, and then you pay the remainder. Indemnity insurance is often used to help apply payments toward your deductible, get money for unforeseen medical expenses, pay your share of x-rays or blood work, or get cash to help with prescription drug co-pays. |
| Vision Insurance | As you might expect, vision insurance helps cover routine vision expenses like eye exams, contact lenses and prescription glasses. It covers people of all ages and includes a national network of optometrists and eyewear providers. As a standalone supplemental insurance to your regular health insurance plan, vision insurance plans through UnitedHealthcare gives you the flexibility to choose the kind of coverage that’s right for you. For example, you can choose a plan that covers glasses or contact lenses – or both. |
| Term Life Insurance | Term life insurance helps provide financial peace of mind in the event of death. It pays a lump sum benefit to beneficiaries and coverage can extend up until the age of 75. There is no medical exam required. Term life insurance plans offered through UnitedHealthcare also feature an optional critical illness benefit that pays cash upon being diagnosed with a critical qualifying illness (or death). |
| Critical Illness Insurance |
Critical care insurance provides a lump sum of cash to help cover the expenses associated with a qualifying critical illness. While health insurance does cover some regular healthcare costs, in cases of critical illness, the individual affected is often out of work, which is where critical illness insurance can come into play. Some of the most common covered illnesses or conditions can include:
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| Accident Insurance |
UnitedHealthcare Insurance offers two types of accident insurance –
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| Hospitalization Insurance | This type of supplemental insurance is also called Hospital Indemnity, because it helps to pay for unexpected hospital stays. With this type of insurance, there’s no deductible to meet and no network. Coverage can extend to your entire family and is renewable up until age 65. |
Like with accident insurance, UnitedHealthcare Insurance offers two types of hospitalization insurance:
| Hospital SafeGuard | This plan pays a fixed amount per day for hospital stays up to the calendar year maximum. |
| Hospital SafeGuard Premier | This plan follows the same structure as the one above but also covers other qualified medical services such as emergency room visits, urgent care, inpatient/outpatient surgery, air/ground ambulance and anesthesia services. |
| Disability Insurance | Temporary disability insurance is designed to help fill in the gaps if you can’t work due to a qualifying disability. It acts as your paycheck while you recover from your disability. Monthly benefit amounts can range from $500-5,000 and benefit periods can extend up to 1 year, 2 years or 5 years. The insurance payments you receive can be put toward mortgage, rent, utilities, groceries and more. |
As with accident and hospitalization insurance, UnitedHealthcare offers two types of disability insurance
plans:
| Disability Income Protector | Provides basic coverage in the event of a total disability from an accident. |
| Disability Income Protector Plus | Offers more coverage for total disability from both sickness and accidents. |
| Travel Medical Insurance | SafeTrip international travel protection provide international travel medical insurance and travel assistance. In addition to helping you find a pre-screened, qualified medical provider, SafeTrip also helps with the costs for medical services, as it’s common to pay up front at the time of service in other countries. Depending on the condition or need, you can also get help arranging for evacuation or transport or make travel arrangements for your family. |