UnitedHealthcare Term Life Insurance and Telehealth FAQs: Answers on Term Life SafeGuard, Teladoc and New Benefits
These answers cover the questions people ask most about UnitedHealthcare term life insurance and telehealth add-ons. Licensed Vivna agents wrote each one in plain English. Because rules change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. New Benefits is a discount program, not insurance. Plans and availability vary by state.
Term Life SafeGuard Basics
Start here to learn how UnitedHealthcare term life insurance works. Then see who can apply and what it costs.
β What is UnitedHealthcare Term Life SafeGuard?
It is term life insurance that pays your beneficiary a death benefit if you die during the term.
You pick a 10-year or 20-year term and a benefit amount. In addition, you can add an optional Critical Illness Benefit. It pays cash if you are diagnosed with a qualifying illness.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Who underwrites UnitedHealthcare Term Life SafeGuard?
Golden Rule Insurance Company, a UnitedHealthcare company, underwrites and administers the plan.
The company has served people buying their own coverage for over 80 years. In addition, A.M. Best rates it "A" (Excellent).
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Is Term Life SafeGuard health insurance?
No, Term Life SafeGuard is life insurance with an optional critical illness cash benefit.
It provides limited benefits and is not major medical or comprehensive health insurance. Also, it does not provide the coverage required to avoid a penalty under the Affordable Care Act.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Do I need a health insurance plan to buy UnitedHealthcare term life?
No, you don't need a health insurance plan to buy Term Life SafeGuard.
Buying it does not depend on buying or having any individual or group health insurance.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What is Term Life SafeGuard designed for?
It is designed as budget-friendly life insurance for a set number of years.
The goal is to help your loved ones financially if you die. In addition, the optional Critical Illness Benefit can help with costs during a serious illness.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Does Term Life SafeGuard build cash value?
The brochure does not describe any cash value for Term Life SafeGuard.
It is term insurance, and the included NAIC buyer's guide notes most term policies have no cash value. Still, check your policy for details.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What ages can apply for UnitedHealthcare Term Life SafeGuard?
You must be 18 to 59 to apply for the 10-year term.
However, you must be 18 to 49 to apply for the 20-year term.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What term lengths does UnitedHealthcare term life offer?
You choose a level premium term of 10 years or 20 years.
The 10-year term is open to ages 18 to 59. By contrast, the 20-year term is open to ages 18 to 49.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Do I have to answer health questions for Term Life SafeGuard?
Yes, Term Life SafeGuard is subject to health underwriting.
If you give incorrect or incomplete information on the application, coverage may be voided or claims denied.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β How long can I keep Term Life SafeGuard?
You stay eligible until your 75th birthday.
After your 10- or 20-year term ends, you can renew year by year until then. Then, the policy ends on your 75th birthday.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β How much life insurance can I get with Term Life SafeGuard?
Term life benefit options are $25,000, $30,000, $50,000, $75,000, $100,000, $150,000 and $200,000.
The rate chart pairs these amounts with Critical Illness Benefit levels.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β How do the term life and critical illness amounts pair up?
A $15,000 critical illness benefit pairs with $30,000 of life insurance.
Meanwhile, the $25,000, $50,000, $75,000 and $100,000 critical illness levels pair with an equal life amount or double it. For example, $50,000 of critical illness goes with $50,000 or $100,000 of life coverage.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β How much does UnitedHealthcare Term Life SafeGuard cost?
The price depends on your age and the type and level of coverage.
For example, the brochure lists a 30-year-old female non-smoker paying $22.34 a month. That buys $50,000 of 10-year life insurance plus a $25,000 Critical Illness Benefit. Ask a licensed agent for your own quote.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Is there a policy fee on Term Life SafeGuard?
Yes, each policy has a term life policy fee of $20 per year.
The fee is billed monthly or quarterly.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What happens when my 10- or 20-year term life policy ends?
You can keep coverage year by year until your 75th birthday.
Also, you don't need proof of good health to renew. However, your premium will increase each year.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Does the Critical Illness Benefit cost extra?
Yes, the Critical Illness Benefit is optional and adds to your premium.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
Term Life Policy Terms
These answers explain beneficiaries, payments, conversions and cancellation. Also, see how the policy term ends.
β Who gets the Term Life SafeGuard death benefit?
Golden Rule pays the term life benefit, minus any critical illness benefit paid, to your named beneficiary.
Written proof of death must be sent within 90 days of the death, or as soon as reasonably possible.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Who can I name as my term life beneficiary?
You can name any person or persons as your beneficiary, except your employer.
Also, you can change your beneficiary at any time, subject to your policy and state law.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Should I name my child as a life insurance beneficiary?
The NAIC buyer's guide included with the brochure advises against naming a minor child.
That's because insurers won't pay a minor directly. Instead, the guide suggests leaving the money to your estate or a trust.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Can I assign my Term Life SafeGuard policy?
Yes, you may assign your Term Life SafeGuard policy while you are alive.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What does Term Life SafeGuard not pay a death benefit for?
Exclusions include suicide within 2 years, death while driving intoxicated, war, riots and committing a felony.
The policy also excludes paid hazardous activities, pro or college sports, skydiving and similar risks. In addition, it excludes death while serving as crew on a non-commercial aircraft. However, several states change these rules.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Is suicide covered by UnitedHealthcare term life?
Not during the first 2 years, since suicide within 2 years of the effective date is excluded.
However, Missouri shortens this to one year. In Pennsylvania, premiums are returned if suicide occurs within the first 2 years.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Are dangerous hobbies excluded from Term Life SafeGuard?
Some are, including parachuting, hang gliding, skydiving, bungee jumping and motor racing.
The policy also excludes scuba diving 60 feet or deeper. In addition, it excludes being paid to ride horses, ski, rodeo or climb. However, rules vary by state.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β What if I misstate my age, gender or tobacco use on a term life application?
Your benefits are adjusted to what your premium would have bought with the correct information.
However, if the correct age would have made you ineligible, your premiums are refunded and the coverage is void.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β When does Term Life SafeGuard coverage end?
Coverage ends at your 75th birthday, for unpaid premiums after the grace period, or on written request.
It also ends when the full face amount is paid, or at your death. Plus, any unearned premium is refunded.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Can I cancel my Term Life SafeGuard policy?
Yes, you can cancel Term Life SafeGuard by sending a written request.
The policy then ends on the date your request is received or a later date you choose. Unearned premium is also refunded.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Is there a free look period on UnitedHealthcare term life?
The included NAIC buyer's guide says most life policies allow a full-refund return, usually within 10 days.
Typically, your review period is stated on the first page of your policy.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Should I cancel my old life insurance before buying Term Life SafeGuard?
No, Golden Rule recommends keeping your current plan until you get written confirmation your new coverage is approved.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β How do I decide how much life insurance to buy?
Start by thinking about the needs that continue after your death.
For example, these include supporting family, education costs, final expenses and paying off a mortgage. A licensed agent can also help you weigh these.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
Term Life Critical Illness Benefit
Some term life policies can pay part of the benefit early for a covered critical illness. Here you can see how that works.
β What is the Critical Illness Benefit on UnitedHealthcare term life?
It is an optional accelerated death benefit rider.
The rider pays a one-time cash benefit if you are first diagnosed with a qualifying critical illness. However, any amount paid is subtracted from your life insurance benefit.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Which illnesses does the Term Life SafeGuard Critical Illness Benefit cover?
Covered illnesses include coma, heart attack or stroke, life-threatening cancer, and carcinoma in situ.
Coronary artery bypass graft, loss of hearing, speech or vision, and major organ transplant also qualify. In addition, paralysis, kidney failure and terminal illness qualify. Each illness is as defined in the policy.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β How much does the Critical Illness Benefit pay for each illness?
Most qualifying illnesses pay 100% of your Critical Illness maximum.
However, carcinoma in situ and coronary artery bypass graft pay 25%. Also, life-threatening cancer diagnosed in the first 90 days, after the waiting period, pays 10%.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Does the Critical Illness Benefit pay for cancer?
Yes, life-threatening cancer diagnosed more than 90 days after your effective date pays 100% of the maximum.
However, if it's diagnosed after the 30-day waiting period but within the first 90 days, it pays 10%. Also, carcinoma in situ pays 25%.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Does the Term Life SafeGuard Critical Illness Benefit cover heart attack and stroke?
Yes, a heart attack or stroke pays 100% of your Critical Illness maximum benefit.
This applies once the waiting period is met. Also, coronary artery bypass graft surgery pays 25%.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Is there a waiting period for the Critical Illness Benefit?
Yes, the first diagnosis must come after 30 days of continuous coverage to qualify.
However, a few states change this rule.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Can the Critical Illness Benefit pay more than once?
Each qualifying illness pays a one-time benefit.
However, total payments can never exceed 100% of the Critical Illness maximum you chose.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β How does a critical illness payment affect my life insurance?
Any critical illness payment is subtracted from your term life benefit, and your monthly premium drops.
For example, in the brochure, a $25,000 cancer payment cuts a $50,000 policy to $25,000. The premium then falls from $22.34 to $7.50 a month.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Does the Critical Illness Benefit pay my medical bills?
The Critical Illness Benefit pays cash to you, not to providers.
Benefits are a one-time payment at first diagnosis, not based on actual expenses. Still, you can use the money for medical costs, bills, travel for treatment and more.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β What can I spend the critical illness cash on?
The brochure lists out-of-pocket medical costs, time away from work, and household bills.
For example, household bills include mortgage, utilities and groceries. It also lists child care, plus transportation and lodging to get treatment.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Are Critical Illness benefits taxable?
Critical Illness benefits may be taxable.
The brochure calls them tax-advantaged, but it says restrictions may apply and benefits may be taxable. So, talk to a tax advisor.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Can a critical illness payment affect Medicaid eligibility?
Yes, benefits you receive may affect your eligibility for Medicaid or other government benefits.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β What is not covered by the Term Life SafeGuard Critical Illness Benefit?
Exclusions include diagnoses during the waiting period or while the rider is not in force.
Suicide or self-inflicted illness within 2 years, intoxicated driving and non-prescribed drugs are also excluded. So are crimes, military service, illegal jobs, riots, war and symptoms from an underlying mental disorder.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Will the insurer check my critical illness diagnosis?
Yes, Golden Rule can have its chosen doctor review any critical or terminal illness diagnosis.
The review is at Golden Rule's expense.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β How do I file a critical illness claim on Term Life SafeGuard?
Send written proof of the diagnosis within 90 days, or as soon as possible.
However, North Carolina allows 180 days.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
β Does the Critical Illness Benefit pay if I am terminally ill?
Yes, terminal illness is a qualifying condition that pays 100% of your Critical Illness maximum benefit.
π Where this applies: AL, AZ, AR, DE, DC, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, WV, WI
Term Life Rules by State
Term life rules change from state to state. For that reason, each answer shows where it applies.
β Can I get the Critical Illness Benefit on term life in Florida?
No, the optional Critical Illness Benefit is not available on term life in Florida.
As a result, the policy is term life only in Florida.
π Where this applies: Florida
β How does Term Life SafeGuard work in Florida?
Florida residents get the term life policy without the Critical Illness Benefit.
Also, Florida limits the age and tobacco misstatement adjustments to the first 2 years after issue.
π Where this applies: Florida
β How is Term Life SafeGuard different in Texas?
Several death-benefit exclusions do not apply in Texas, including intoxicated driving, war, riot and felony.
In addition, sports exclusions apply only to paid participation. The 30-day waiting period also does not apply to terminal illness.
π Where this applies: Texas
β Who do I contact about a Term Life SafeGuard complaint in Texas?
Contact Golden Rule first at 1-800-657-8205 about a Term Life SafeGuard complaint.
If a premium or claim dispute isn't resolved, you may then contact the Texas Department of Insurance at 1-800-252-3439.
π Where this applies: Texas
β In which states is the term life Critical Illness Benefit not available?
The optional Critical Illness Benefit is not available in Connecticut, Florida, Kansas, Maryland or Pennsylvania.
π Where this applies: Connecticut, Florida, Kansas, Maryland and Pennsylvania
β Does Ohio have a waiting period for the term life Critical Illness Benefit?
No, Ohio eliminates the 30-day waiting period for the Critical Illness Benefit.
Also, life-threatening cancer pays 100% of the Critical Illness maximum in Ohio.
π Where this applies: Ohio
β How does the term life cancer benefit work in Indiana?
In Indiana, life-threatening cancer diagnosed after the 30-day waiting period pays 100% of the Critical Illness maximum.
π Where this applies: Indiana
β Are there special Critical Illness rules in Illinois?
Yes, in Illinois the term life benefit must be double the Critical Illness Benefit.
Also, the 30-day waiting period does not apply to accidents.
π Where this applies: Illinois
β Does the term life Critical Illness Benefit cover loss of hearing or vision everywhere?
No, Alabama and the District of Columbia pay no benefit for loss of hearing, speech or vision.
Similarly, Mississippi pays no benefit for loss of vision.
π Where this applies: Alabama, Washington, D.C. and Mississippi
β How much notice do I get before a term life premium change?
You usually get at least 30 days' notice in writing before a term life premium change.
However, North Carolina requires 45 days, and Wisconsin requires 60 days.
π Where this applies: AL, AZ, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MI, MS, MO, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, WV, WI
β Is Term Life SafeGuard sold under a different name in some states?
Yes, the plan name varies in Kansas, Louisiana, Maryland and Virginia.
So check the product brochure for that state.
π Where this applies: Kansas, Louisiana, Maryland and Virginia
β Which states can I buy UnitedHealthcare Term Life SafeGuard in?
UnitedHealthcare Term Life SafeGuard is available in 32 states plus D.C.
However, it is not available in California, Colorado, Hawaii, Idaho, Maine, Massachusetts, Montana, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Oregon, Rhode Island, Utah, Vermont, Washington or Wyoming.
π Where this applies: AL, AR, AZ, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NE, NV, OH, OK, PA, SC, SD, TN, TX, VA, WI, WV
HealthiestYou by Teladoc
HealthiestYou gives you phone and video visits with doctors. Plus, see what it costs and where it is sold.
β What is HealthiestYou by Teladoc Health?
HealthiestYou is a healthcare service that gives you 24/7 access to doctors by phone or video.
It also includes tools to find nearby pharmacies and lower-cost prescriptions.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Is HealthiestYou insurance?
No, UnitedHealthOne describes HealthiestYou as a non-insurance health product.
In fact, UnitedHealthOne lists it with its telehealth and discount non-insurance products.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β How much does a HealthiestYou doctor visit cost?
HealthiestYou charges nothing per doctor visit.
You can talk to a doctor for free by phone or video for common issues like flu and bronchitis.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Is HealthiestYou available 24/7?
Yes, you can talk to a licensed provider by phone or video 24/7, from anywhere.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What can a HealthiestYou doctor treat?
HealthiestYou covers common issues like flu, bronchitis and more.
For more serious conditions, you can also get a second opinion.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can a HealthiestYou doctor prescribe medicine?
Yes, a HealthiestYou doctor can prescribe medicine when medically necessary.
Then you can use the pharmacy locator to pick up your prescription nearby.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can HealthiestYou help me save on prescriptions?
Yes, HealthiestYou helps you find the lowest-cost prescriptions in your area.
It also helps you locate a nearby pharmacy.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can I get a second opinion through HealthiestYou?
Yes, HealthiestYou lets you get a second opinion on more serious conditions.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Does HealthiestYou include mental health visits?
The UnitedHealthOne flyer notes mental health visits are only available to family members age 18 and up.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Who is HealthiestYou for?
HealthiestYou is designed for people of all life stages.
However, mental health visits are limited to family members age 18 and up.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Are HealthiestYou visits confidential?
Yes, HealthiestYou offers convenient, confidential access to quality doctors.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β How do I set up my HealthiestYou account?
Visit HealthiestYou.com, call 866-703-1259 or download the app to set up your account.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Who runs HealthiestYou?
HealthiestYou is part of Teladoc Health, Inc., which describes itself as the global leader in virtual care.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can I get HealthiestYou through a broker like Vivna?
Yes, brokers contracted with Golden Rule Insurance Company can quote HealthiestYou through UnitedHealthOne.
They can also help you apply.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Which states offer HealthiestYou by Teladoc?
HealthiestYou by Teladoc is offered in most states.
However, it is not offered in California, Connecticut, D.C., Massachusetts, New Hampshire, New Jersey, New Mexico, New York, Vermont or Washington.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
Mind Your Health by Teladoc
Mind Your Health offers virtual mental health visits. In addition, see who can use it and how to start.
β What is Mind Your Health?
Mind Your Health makes Teladoc Health benefits available to you.
It includes 24/7 care for common conditions, online dermatology reviews and mental health care.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Is Mind Your Health insurance?
No, UnitedHealthOne lists Mind Your Health by Teladoc among its telehealth and discount non-insurance products.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What does a Mind Your Health 24/7 care visit cost?
Mind Your Health 24/7 care visits are free.
Plus, you can get same-day appointments for non-urgent, common conditions from wherever you are.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What conditions can Mind Your Health 24/7 care treat?
Examples include allergies, bronchitis, flu, COVID-19, pink eye, rashes, sinus infections and sore throats.
Teladoc Health providers can also diagnose, treat and prescribe medicine if needed.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can I use Mind Your Health for urgent problems?
Mind Your Health 24/7 care is designed for non-urgent and common conditions.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Does Mind Your Health include dermatology?
Yes, you start an online skin review by uploading images and details of your concern.
A dermatologist then sends a treatment plan, and a prescription if needed, in 24 hours or less.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What skin conditions can Mind Your Health dermatology help with?
Examples include acne, eczema, psoriasis, skin infections, rashes and rosacea.
Also, online dermatology reviews are free.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Does Mind Your Health cover therapy?
Yes, you can connect with a therapist 7 days a week, and therapy visits are free.
You also get a personalized plan and online content.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Does Mind Your Health include psychiatry?
Yes, psychiatry is free for the first visit and for ongoing visits.
Medication management is also one of the listed mental health services.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What mental health issues does Mind Your Health help with?
Mind Your Health lists anxiety and depression, sleep issues, relationship conflicts, trauma and PTSD, and medication management.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Can I use Mind Your Health while traveling abroad?
No, Teladoc Health is not available internationally.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β How do I schedule a Mind Your Health visit?
Set up your account or log in at TeladocHealth.com, or call 1-800-835-2362.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β What is the difference between Mind Your Health and HealthiestYou?
Both are Teladoc Health services sold as non-insurance products through UnitedHealthOne.
The Mind Your Health brochure highlights 24/7 care, dermatology and therapy or psychiatry. By contrast, the HealthiestYou materials highlight 24/7 doctor visits, second opinions and prescription savings tools.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
β Which states offer Mind Your Health by Teladoc?
Mind Your Health by Teladoc is offered in most states.
However, it is not offered in California, Connecticut, D.C., Massachusetts, New Hampshire, New Jersey, New Mexico, New York, Vermont or Washington.
π Where this applies: Most states Vivna serves, except California, Connecticut, Washington, D.C., New Hampshire, New Jersey and New Mexico
New Benefits Discount Program
New Benefits is a discount program, not insurance. These answers explain its packages, savings and membership rules.
β What is the New Benefits program from UnitedHealthOne?
New Benefits is a discount benefits membership.
Packages include doctor access by phone, app or video 24/7 with no per-visit fee. They also include savings on prescriptions, dental, eyeglasses and contacts, plus financial wellness resources.
π Where this applies: Most states Vivna serves, except Iowa
β Is New Benefits insurance?
No, New Benefits is not insurance and does not meet minimum creditable coverage under the Affordable Care Act.
Instead, it provides discounts only at contracted providers.
π Where this applies: Most states Vivna serves, except Iowa
β How do New Benefits discounts work?
You get discounts at the offices of contracted providers.
Then you pay the discounted charges in full at the time of service. However, discounts vary by provider and type of service.
π Where this applies: Most states Vivna serves, except Iowa
β Who runs the New Benefits program?
The discount plan organization is New Benefits, Ltd., based in Dallas, Texas.
You can reach them at 800-800-7616.
π Where this applies: Most states Vivna serves, except Iowa
β Can New Benefits replace my health insurance?
No, New Benefits is not insurance and does not meet ACA minimum creditable coverage requirements.
However, a licensed agent can explain your health insurance options.
π Where this applies: Most states Vivna serves, except Iowa
β How much does New Benefits cost?
New Benefits has three monthly packages: Basic at $25, Standard at $40 and Premium at $60.
π Where this applies: Most states Vivna serves, except Iowa
β What is included in New Benefits Basic?
Basic ($25 a month) includes telemedicine with a $0 visit fee, vision, dental and NB Rx.
It also includes counseling services and financial wellness.
π Where this applies: Most states Vivna serves, except Iowa
β What is included in New Benefits Standard?
Standard ($40 a month) adds Teladoc mental health with a $0 visit fee and Health Advocate Solutions.
It also adds Doctors Online, alternative medicine, caregiver support and fertility advocacy. Plus, it adds LawAssure, global travel assistance and pet care.
π Where this applies: Most states Vivna serves, except Iowa
β What does every New Benefits package include at no extra cost?
All three packages include discounts on hearing, diabetic supplies, diagnostic imaging and lab testing.
π Where this applies: Most states Vivna serves, except Iowa
β How does New Benefits telemedicine work?
You get 24/7 access to a doctor by phone, app or video with no per-visit fee.
Telemedicine is also included in all three packages.
π Where this applies: Most states Vivna serves, except Iowa
β Can New Benefits telemedicine doctors prescribe any medication?
Not always, because Teladoc does not guarantee a prescription will be written.
It also does not prescribe DEA-controlled substances or certain other drugs.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits replace my primary care doctor?
No, the Teladoc service in New Benefits does not replace your primary care physician.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits include therapy?
Standard and Premium include Teladoc mental health with a $0 visit fee.
You get confidential therapy with licensed therapists at no cost. However, visits must be scheduled and are not available 24/7.
π Where this applies: Most states Vivna serves, except Iowa
β Can kids use New Benefits mental health visits?
Teladoc mental health visits are not available to children 12 and younger.
Also, psychiatrist visits are not currently available for teens 13 to 17.
π Where this applies: Most states Vivna serves, except Iowa
β What are New Benefits counseling services?
Experienced counselors are available 24/7 to help you talk through personal problems.
However, counseling is not available to children 13 and under. It also does not give financial or legal advice.
π Where this applies: Most states Vivna serves, except Iowa
β What dental savings does New Benefits offer?
New Benefits offers savings on dental services such as cleanings, X-rays and crowns.
Dental is also included in every package.
π Where this applies: Most states Vivna serves, except Iowa
β How much can I save on glasses with New Benefits?
The vision benefit saves 10% to 60% on glasses, contacts, laser surgery, eye exams and more.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits help with prescription costs?
Yes, NB Rx gives savings on prescription medications at the pharmacy.
It is also included in every package.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits discount diabetic supplies?
Yes, you can save 10% to 50% on diabetic testing supplies mailed to your home.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits discount lab work?
Yes, lab testing saves 10% to 80% off typical costs of routine lab work.
However, Quest lab services are not available in Arizona, New Jersey, New York or Rhode Island. At-home tests are also not available in New Jersey, New York or Rhode Island.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits discount MRIs and X-rays?
Yes, you get pre-negotiated rates on MRI, CT scans, ultrasounds, X-rays and mammograms.
These rates apply at thousands of credentialed radiology centers. However, some services may not be available in every area.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits include a hearing discount?
Yes, every New Benefits package includes a hearing benefit.
It helps you find an affordable hearing solution at a retail store or by home delivery.
π Where this applies: Most states Vivna serves, except Iowa
β What is Health Advocate in New Benefits?
Health Advocate Solutions gives one-on-one help from professionals and registered nurses.
They help with medical, billing or insurance issues. However, it is not health insurance and does not provide medical care.
π Where this applies: Most states Vivna serves, except Iowa
β What is Doctors Online in New Benefits?
Doctors Online is an online resource for health information.
You get it with the Standard and Premium packages.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits cover alternative medicine?
New Benefits offers discounts on alternative medicine, not coverage.
With Standard or Premium, you can save 20% to 50% on alternative health and wellness needs.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits help with fertility treatment?
Standard and Premium include Fertility Advocacy by WINFertility.
It offers education, resources, discounts on medical services and emotional support during treatment.
π Where this applies: Most states Vivna serves, except Iowa
β What is caregiver support in New Benefits?
Caregiver support provides resources to help you organize and manage the care of a loved one.
It is also part of the Standard and Premium packages.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits offer financial counseling?
Yes, financial wellness includes one-on-one coaching from accredited financial counselors and online learning.
However, it does not provide investment, legal or tax advice.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits help with legal documents?
Yes, LawAssure is an online service for documents like a will, power of attorney or rental agreement.
It can also save you attorney fees. Standard includes LawAssure, and Premium includes LawAssure Enhanced.
π Where this applies: Most states Vivna serves, except Iowa
β What is global travel assistance in New Benefits?
Global travel assistance provides help by phone when you travel.
It is included in Standard and Premium. However, it can't be held responsible for delays caused by things like strikes or flight conditions.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits include pet discounts?
Yes, Standard and Premium include discounts on pet items from toys and treats to boarding.
However, codes may not apply to Hill's Prescription and Science Diet, Royal Canin or Merck products.
π Where this applies: Most states Vivna serves, except Iowa
β What is Aura DigitalGuard Complete Family in New Benefits Premium?
Aura DigitalGuard Complete Family protects your money, identity, family and devices from hackers and online predators.
It includes $5 million in identity theft insurance, 24/7 support and fraud remediation help. That said, it is only in the Premium package.
π Where this applies: Most states Vivna serves, except Iowa
β Does New Benefits include roadside assistance?
Premium includes 24/7 help with a flat tire, lock-out, battery, collision and towing.
However, it is limited to one service per 72 hours and five per year. Towing also excludes accident-scene and secondary tows.
π Where this applies: Most states Vivna serves, except Iowa
β What are Instant Deals in New Benefits?
Instant Deals is an app with discounts at thousands of merchants nationwide.
You get it with the Premium package.
π Where this applies: Most states Vivna serves, except Iowa
β How do I start using my New Benefits membership?
Download the New Benefits app or go to MemberPortal.NewBenefits.com.
After that, register once with the Group ID and Member ID from your card. Then add your email, mobile number and password, and confirm with the code sent to you.
π Where this applies: Most states Vivna serves, except Iowa
β Will I get a New Benefits membership card?
Yes, you will get membership cards and booklets by mail, with benefit descriptions and instructions.
The app also has a wallet to store your cards.
π Where this applies: Most states Vivna serves, except Iowa
β How do I find New Benefits participating providers?
You can search participating providers at MemberPortal.NewBenefits.com.
π Where this applies: Most states Vivna serves, except Iowa
β Can I cancel New Benefits and get a refund?
Yes, New Benefits has a 30-day cancellation period.
So if you cancel within the first 30 days after your effective date, all membership fees are refunded.
π Where this applies: Most states Vivna serves, except Iowa
β Which states is New Benefits available in?
New Benefits is available in every state except Iowa, New York, Vermont and Washington.
π Where this applies: Most states Vivna serves, except Iowa
UnitedHealthOne Plans by State
UnitedHealthOne plans differ by state and ZIP code. So check these answers, then confirm your options with a licensed agent.
β Can I buy UnitedHealthOne plans any time of year?
Yes, all plans on the UnitedHealthOne eStore are available year-round.
However, Short Term Medical in Virginia is not sold during federal open enrollment.
π Where this applies: Every state where UnitedHealthOne plans are sold
β Who underwrites UnitedHealthOne individual plans?
Golden Rule Insurance Company underwrites the short-term, TriTerm, fixed benefit and ancillary insurance products.
By contrast, the telehealth and discount programs are non-insurance products.
π Where this applies: Every state where UnitedHealthOne plans are sold
β Which states offer Dental Savings Complete?
Dental Savings Complete, a non-insurance discount product, is offered in most states.
However, it is not offered in Alaska, Florida, Montana, New York, North Dakota, Rhode Island, South Dakota, Vermont or Wyoming. Dental Benefit Providers, Inc. administers the product.
π Where this applies: Most states Vivna serves, except Florida, Montana, North Dakota, Rhode Island, South Dakota and Wyoming
β How can I confirm a UnitedHealthOne product is available in my ZIP code?
Availability can vary by state and ZIP code, and some states offer older product versions.
So a licensed agent can check the UnitedHealthOne eStore for your exact ZIP code.
π Where this applies: Every state where UnitedHealthOne plans are sold
β What UnitedHealthOne plans are available in Florida?
Florida offers Short Term Medical, TriTerm Medical, Enhanced Health ProtectorGuard and Enhanced Guard.
It also offers DentalWise Max, DentalWise, VisionWise, AccidentWise, Accident ExpenseGuard, Accident ProGap, Accident ProGuard and Accident ProGuard GI. In addition, CriticalGuard, Term Life SafeGuard, AdvantageGuard, HospitalWise and Hospital SafeGuard GI are available. Finally, Mind Your Health, HealthiestYou and New Benefits round it out.
π Where this applies: Florida
β Is Dental Savings Complete available in Florida?
No, Dental Savings Complete is not offered in Florida.
However, DentalWise and DentalWise Max are available there.
π Where this applies: Florida
β What UnitedHealthOne plans are available in Texas?
Texas offers Short Term Medical, Enhanced Health ProtectorGuard, Enhanced Guard, DentalWise Max, DentalWise and VisionWise.
It also offers AccidentWise, Accident ExpenseGuard, Accident ProGap, Accident ProGuard, Accident ProGuard GI and CriticalGuard. In addition, Term Life SafeGuard, AdvantageGuard, HospitalWise and Hospital SafeGuard GI are available. Plus, you can get Dental Savings Complete, Mind Your Health, HealthiestYou and New Benefits.
π Where this applies: Texas
β What UnitedHealthOne plans are available in Georgia?
Georgia offers every product on the grid except Health ProtectorGuard.
That includes Short Term Medical, TriTerm Medical, Term Life SafeGuard, and the dental, vision, accident and hospital plans. It also includes Dental Savings Complete, Mind Your Health, HealthiestYou and New Benefits.
π Where this applies: Georgia
β What UnitedHealthOne plans are available in California?
California offers Health ProtectorGuard, DentalWise Max, DentalWise, VisionWise, AccidentWise and Accident ExpenseGuard.
It also offers Accident ProGap, Accident ProGuard, Accident ProGuard GI, CriticalGuard, HospitalWise and Hospital SafeGuard GI. In addition, Dental Savings Complete and New Benefits are available. However, Short Term Medical, Term Life SafeGuard, Mind Your Health and HealthiestYou are not offered there.
π Where this applies: California
β What UnitedHealthOne plans are available in New Jersey?
New Jersey offers only DentalWise (a previous version), VisionWise, Dental Savings Complete and New Benefits.
π Where this applies: New Jersey
β What UnitedHealthOne plans are available in North Carolina?
North Carolina offers Short Term Medical and every fixed benefit, ancillary and telehealth product except Health ProtectorGuard.
However, TriTerm Medical is not offered there.
π Where this applies: North Carolina
β What UnitedHealthOne plans are available in Pennsylvania?
Pennsylvania offers Short Term Medical, plus previous versions of Enhanced Health ProtectorGuard and Enhanced Guard.
It also offers DentalWise Max, DentalWise, VisionWise, AccidentWise and Accident ExpenseGuard. In addition, CriticalGuard, Term Life SafeGuard, AdvantageGuard, HospitalWise and Hospital SafeGuard GI are available. Dental Savings Complete, Mind Your Health, HealthiestYou and New Benefits are available too. However, Accident ProGap, ProGuard and ProGuard GI are not offered.
π Where this applies: Pennsylvania
β What UnitedHealthOne plans are available in Illinois?
Illinois offers Enhanced Health ProtectorGuard, Enhanced Guard, DentalWise, VisionWise, the accident plans and CriticalGuard.
It also offers Term Life SafeGuard, AdvantageGuard, HospitalWise and Hospital SafeGuard GI. In addition, Dental Savings Complete, Mind Your Health, HealthiestYou and New Benefits are available. However, Short Term Medical, TriTerm and DentalWise Max are not offered.
π Where this applies: Illinois
π More Life Insurance and Telehealth Guides
These answers cover the basics of UnitedHealthcare term life insurance and telehealth. When you want more depth, these guides from our licensed agents explain how to choose coverage. Then, if a question comes up, call 888-730-6001 anytime.
π Life Insurance and Telehealth Guides
𧩠More UnitedHealthcare FAQ Libraries
π Questions About UnitedHealthcare Term Life or Telehealth?
These answers cover the most common term life and telehealth questions, but every family is different. Therefore, our licensed agents compare UnitedHealthcare life and add-on options for free.
Best of all, our help costs you nothing. Request a free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the UnitedHealthOne website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. New Benefits is a discount program, not insurance. Plans and availability vary by state.