Medical Ancillaries

Standalone or Add-on

 

by
UnitedHealthcare

What is ancillary medical care?

In broad general terms, ancillary medical services refer to a wide range of healthcare services in support of the work of physicians, surgeons, and an array of medical services. Typically, ancillary medical services fall in categories of diagnostic services, medical equipment, therapeutic services, custodial services, and other such services. Medical insurance plans define in their policies of covered services, which may include some a few essential ancillary services, and leave others services uncovered. Insurance industry has evolved plans and indemnities specific to certain expensive treatments and services to reduce or offset financial risks.

Plans by UnitedHealthcare

 

Following plans by UnitedHealthcare enhance the financial safety and security. Golden Rule Insurance Company is the underwriter of these insurance indemnity plans.

Accident ProGuard Plans

 

  • Eligibility: Age between 18 – 64 for applicant and spouse and children up to age below 25 (drop off when age 26), at the time of application. Policy is renewable till age 70.
  • Exclusions and/or Limitations: Listed in brochures.
  • Preexisting conditions: Defined in the brochures.
  • Underwriting: All these plans are subject to health underwriting.

Open the page here showing these three types of plans:  Enter basic information and View plans.

 Under tab Accident ProGuard  there are three categories of plans. Each plan under the category is given modifier name to define the benefits level. The categories of plans are:

  • Accident ProGap : Has i) Accident Benefit, ii) Accidental Death Benefit, iii) Hospital/Sickness Benefit, and iv) Critical Illness.
  • Accident ProGuard : Has i) Accident Benefit, ii) Accidental Death Benefit, iii) Critical Illness.
  • Accident ExpenseGuard:  Has  i) Accident Benefit, ii) Accidental Death Benefit,
  • Select the plan and click on button Details to see summary of the plan. Accident Benefit has options of coverage amount. Select the coverage amount using radio button, and then click on button Add to Cart. Follow the screen and click on button Apply, and follow the screens to submit the application. Then wait for approval of your application for issue of policy.

 

Accident SafeGuard Plans

 

  • Eligibility: Age between 18 – 64 for applicant and spouse and children up to age below 25 (drop off when age 26), at the time of application. Policy is renewable till age 65.
  • Exclusions and/or Limitations: Listed in brochures.
  • Underwriting: All these plans are subject to health underwriting.

Open the page here showing these three types of plans:  Enter basic information and View Plans.

  • Under tab Accident, there are three types of Accident SafeGurard plans: Plan A, Plan B, and Plan C.
  • Select Compare checkbox for all three plans, and click on blue button Compare Up to 4 Plans. See outlines of Plan Details. Go over summary of benefits listed under these plans, and click on link ‘Back to Results’ under Compare Plans.
  • Open the Brochure Plan Benefits, Exclusions, Limitations and read over benefits of plans.
  • Go over benefits listed under three plans and choose one, and close the brochure. (you can download this brochure here).
  • Select the one suit you and Add to Cart, and click on button Apply. Follow the screens to submit application. Then wait for approval of your application for issue of policy.

Critical Illness

 

  • Eligibility: Age between 18 – 59 for applicant and spouse at the time of application. Policy is guaranteed renewable till age 70.
  • Exclusions and/or Limitations: Listed in brochures.
  • Underwriting: All these plans are subject to health underwriting.
  • Benefits are paid as lump sum payment (indemnity) based upon the Critical Illness Diagnosed .

Open the page here showing these five types of plans:  Enter basic information and View Plans.

Under tab Critical Illness, there are five types of plans based on range of maximum lifetime benefit from $10,000 to $50,000. 

  • Select Compare checkbox for four plans based on maximum benefit, and click on blue button Compare Up to 4 Plans. See outlines of plans under Plan Details. Go over summary of benefits listed under these plans, and click on link ‘Back to Results’ under Compare Plans.
  • Open the Brochure Plan Benefits, Exclusions, Limitations and read over benefits of all plans. (you can download this brochure here).
  • Select the plan that suits you and Add to Cart, and click on button Apply. Follow the screens to submit the application. Then wait for approval of your application for issue of policy.

 

Dental Plans with Optional Vision Benefits

 

  • Eligibility: Age between 18 –64, for applicant and spouse at the time of application and children 0 – 25 years (drop off at age 26).
  • Calendar Year vs, Policy Year: Each plan’s annual maximum applies to Calendar Year (Jan-Dec), and not Policy Year.
  • Exclusions and/or Limitations: Listed in brochures.
  • Non-Network vs Network: User Network dentists for discounted services.
  • Benefits are defined in each policy.

Open the page here showing these three types of plans:  Enter basic information and View Plans

For age below 64:

Under tab Dental, there are three categories of dental plans with optional vision benefits:

Essential Dental having two variations with Optional Vision Benefit:  Compare the plans and note waiting period for services and annual maximum.

Primary Dental having four variations with Optional Vision Benefits:  Compare the plans and note waiting period for services and annual maximum.

Premier Dental having four variations with Optional Vision Benefits: Compare the plans and note waiting period for services and annual maximum.

For above age 64+, following plan appears:

Selection of Plan

  • Select Compare checkbox for four plans based on maximum benefit, and click on blue button Compare Up to 4 Plans. See outlines of plans under Plan Details. Go over summary of benefits listed under these plans, and click on link ‘Back to Results’ under Compare Plans.
  • Select the plan that suits you and Add to Cart, and click on button Apply. Follow the screens to submit the application. Then wait for approval of your application for issue of policy.

Network of Dental Providers:  These plans come with PPO network of dental care providers.  

Vision

 

  • Eligibility: Any age or any stage of life. Child less than age 26 may be added.
  • Commitment: The policy must be paid for 12 months.
  • Exclusions and/or Limitations: Listed in brochures.
  • Non-Network vs Network: Use In-Network vision care providers for discounted services.  
  • Benefits are defined in each policy.

Two plans are available, Plan A and Plan B for a nominal monthly price, as standalone or ‘add on’.

  • Select the plan that suits you and Add to Cart, and click on button Apply. Follow the screens to submit the application. Then wait for approval of your application for issue of policy.

 

Term Life

 

  • Eligibility: Age 18 – 49 years for 20-year term life policy or age 18-59 for 10-year term life policy. Coverage can be extended up to age 75 on year-to-year basis with annual increase of premiums.
  • Optional Critical Illness Maximum: Each policy has the option to take part of the maximum benefit amount of term life if the beneficiary is diagnosed with any of critical illnesses listed in the brochure. The premium for reduced balance of term life maximum benefit amount is reduced for balance of the term left.
  • Exclusions and/or Limitations: Listed in brochures.
  • Underwriting: All these plans are subject to health underwriting.
  • Benefits are paid as lump sum payment (indemnity) based upon occurrence of these events:
    i) to the beneficiary upon furnishing the proof of critical Illness diagnosed, and ii) to the assigned beneficiary upon death of the policyholder before expiry of the policy.

 

Open the page here showing these three types of plans:  Enter basic information and View Plans.

  • Under tab Term Life, there are two categories of plans:
    • For age group 18-49, and
    • For age group 18-59.
  • Depending on age group, a number of plans available show up in maximum benefit range from $25,000 to $200,000.
  • Select Compare checkbox for four plans based on maximum benefit, and click on blue button Compare Up to 4 Plans.
  • See outlines of plans under Plan Details. Depending on the age, choices for Maximum Lifetime Benefit and Maximum Benefit Period of the plan show up for selection as radio buttons. Go over summary of benefits listed under these plans, and click on link ‘Back to Results’ under Compare Plans.
  • Open the Brochure Plan Benefits, Exclusions, Limitations and read over benefits of all plans. (You can download this brochure here).
  • Select the plan that suits you and Add to Cart, and click on button Apply. Follow the screens to submit the application.Then wait for approval of your application for issue of policy.

 

Telehealth

 

Eligibility: Any age or any stage of life.

This plan from HealthiestYou by Teladoc comes as standalone or ‘add on’ for $20/month. When you sign up here, an email will come in your inbox to give detail instructions.

  • The doctor may give advice to manage the chief complaint or provide instructions to follow-up and treat the symptoms. If the doctor orders medication, the prescription will be sent electronically to the pharmacy you select.
  • Keep your insurance information, address and phone number of the pharmacy handy when you call.
  • Familiarize over its website here.
  • Consultation with physician is available 24 hours a day, 7 days a week over the phone or via the mobile app HealthiestYou.
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