Accident Protection
Accidents happen, but that doesn’t mean you should be stuck with unexpected out-of-pocket costs. UnitedHealthcare’s Accident Protection Plan provides a cash benefit to help cover expenses when you experience an accident — so you can focus on recovery instead of worrying about bills.
Accident Protection coverage is not a replacement for your medical insurance — it’s extra protection that pays directly to you, not your doctor or hospital. You can use the funds however you need, with no restrictions.
How Does Accident Protection Work?
- A set amount is payable based on the injury you suffer and the treatment you receive.
- Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.
- Coverage is available for you, your spouse and eligible dependent children.
- You do not need to answer medical questions or have a physical exam to get basic coverage.
- Accident insurance covers injuries that happen on the job or off the job — unlike workers’ compensation, which only covers on-the-job injuries.
- Benefit payments are not reduced by any other insurance you may have with other companies.
What Does Accident Protection Cover? Examples Below.
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging
Accident Protection Cost Per Pay Period
Employee Only: $8.20
Employee and Spouse: $13.07
Employee and Child(ren): $18.07
Employee and Family: $27.35