Accidents happen. A missed step, a patch of black ice, a fall from the playground swing – unfortunately, sometimes small things have a big impact both physically and financially. Accident insurance, also known as supplemental accident insurance or personal accident insurance, is designed to help cover the costs that follow an unexpected injury.
UnitedHealthOne® Short Term Medical1 plans, underwritten by Golden Rule Insurance Company, make getting accident insurance convenient with an optional Supplemental Accident Benefit. By paying the additional cost to add this benefit, you can add an extra layer of coverage to help keep your unforeseen medical bills in check.
The Supplemental Accident benefit of your Short Term Medical plan can help you cover high deductibles and other out-of-pocket exposure within 90 days of an accidental injury.
You choose a benefit amount:
What you could pay for a fractured femur with a total bill of $25,6652
Short Term Medical insurance offers similar benefits to traditional health plans and is designed to bridge gaps in health coverage until you can find a long term health insurance solution.
UnitedHealthOne® Short Term Medical plans offer access to our nationwide UnitedHealthcare Choice Plus network and in many cases next day effective dates and precise coverage terms by days.
|Supplemental Accident Optional Benefit to Short Term Medical||Accident SafeGuard Standalone Coverage|
|Paid toward the Short Term plan deductible and coinsurance up to the benefit amount||Pays cash, fixed amounts, based on accident and services as a result of the accident|
|Benefit amounts range from $1,000 - $10,000||Includes Accidental Death/Dismemberment benefit|
|Single bill - premium paid with Short Term plan premium||Separate premium, but if Short Term plan ends, this plan can continue|
1 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
2 Examples provided are for illustration purposes only and assume all expenses are covered. Adding a $5,000 Supplemental Accident Benefit would add $30 in monthly premium for a single person and $60 in monthly premium for a family. All of these services were received in September 2015 from network providers in ZIP Code 462--. Your actual savings may be more or less than this illustration and will vary by several factors.
3 Lump sum savings apply only to the medical plan premium. Savings do not apply to premiums for optional benefits added to the medical plan.
4 Check your state’s plan brochure for more information.