UHOne ancillary products provide enrollees a way to avoid coverage gaps that can result in financial hardships.
UHOne has several ancillary coverage options available
Dental coverage
These plan are available to enrollees of all ages as long as the primary insured is at least 18 years old. Plans are provided by Golden Rule Insurance. The plans provide day 1 coverage for preventative services Enhanced dental plans provide orthodontic coverage and discounts for hearing exams as well as hearing aids. If the enrollee does not use the benefit, the benefit amount increases annually, up to $750.
Plans also offer a vision rider for only a few dollars more. This rider covers eye exams as well as glasses or contacts.
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Vision Insurance
Stand-alone vision plans cover eye exams (1 per year), glasses and or contacts and opportunities for additional discounts on Lasik and hearing aids. There are 2 plan choices available. Enrollees have the option to use out of network providers, although they will pay any amount beyond the UnitedHealthcare annual allowance.
Plan A – offers coverage for either eyeglasses (lenses and/or frames) or contact lenses, not both.
Plan B – provides coverage for contact lenses in addition to eyeglasses.
Accident Insurance
No one can predict when they will have an accident, the only thing that is certain is that accidents do happen. The fact is, if your client is unprepared, accidents can cause a financial burden. There are 3 different coverage options for Accident Guard. Policies are renewable up to age 70 and provide payment to the benficiary to use any way they need.
First is Accident ProGuard which is a simplifeid issue product that offers accident benefits amounts of $5,000 or $10,000, critical illness benefit amount between $10,000 and $50,000 and an AD&D benefit of $5,000 or $10,000.
Second option is Accident ProGap is also a simplified issue product that combines an accident benefit of $2,00 or $7,000, a critical illness benefit os $2,500 to $7,500, hospital admission benefit of $2,500 and a AD&D benefit amount of $2,500 or $7,000.
Third option is Accident Expense Guard. These policies are guaranteed issue. They combine an accident benfit of between $5,000 and $20,000 as wellas a AD&D benefit of $5,000 up to $20,000.
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Critical Illness Insurance
A critical illness can cause a loss of income for many people and that will add more stress they don’t need while they are working to recover. Critical illness insurance provides enrollees with a single cash payemnt to use however they need it. These plans provide a maximum lifetime benefit between $10,00 and $50,000. The application is easy to complete with yes or no questions.
Term Life Insurance
Is a great product for households that would be at risk if they suffered a loss of income. Anyone who is concerned about providing for their loved ones fter they are gone should consider a term life policy. These products are buget friendly and do not require a medical exam. Term Life SafeGuard provides protection for a select number of years. They offer 5 benefit levels: $25,000, $30,000, $50,000, $75,000 and $100,000. Enrollees can choose form 2 policy lengths: 10 years (issue ages between 18-59) or the 20 year term (issue ages between 18-49).
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