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Vision Insurance Plans

See What UnitedHealthcare Vision Insurance Has To Offer

Vision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses.

Are you looking for vision insurance, or eye insurance? UnitedHealthcare offers vision plans underwritten by Golden Rule Insurance Company that feature:

  • Coverage for people of all ages
  • No waiting periods
  • Saving through a national network of vision service and eyewear providers
  • Freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost

Vision Insurance

Combining Your Dental and Vision Insurance

By adding a vision insurance rider to your dental insurance plan3 you get access to vision care plan benefits like routine eye exams, allowances for prescription glasses and contacts and discounts on other vision services. .

Buying Standalone Vision Insurance Plans

New for 2016, vision insurance as a standalone plan4 has those same benefits and even more flexibility as you can choose a plan that covers glasses, contacts or both.

We think you’ll like what you see when you read more about our vision plans in your search for the best vision insurance for you and your family.

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Term Life Insurance

Would your family be financially secure in the event of your death? It’s something no one wants to think about, but we all should be prepared for. Term life insurance from UnitedHealthcare can play a part in helping you protect your family’s finances in your absence.

What Is Term Life Insurance?

Term life insurance is a life insurance policy that pays cash benefits to help your loved ones in the event of your death.

Term life insurance policies from UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company also feature an optional Critical Illness Benefit1 that pays cash benefits upon diagnosis of a qualifying illness or death.

Term Life Insurance

What Is Critical Illness Insurance?

Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.

Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.

A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work. That’s when a Critical Illness plan can come into play.

Critical Illness Insurance

Accident Insurance

Accidents happen when you least expect them. Every day we are exposed to situations that could result in an accident. Each year, millions of people are injured and survive. In fact, more than 3 million people are hospitalized, and 27 million people are treated in emergency departments and released.1Even with health insurance, the extra costs from an accidental injury can really add up and may leave you in a financial hole.

Consider the affect a common accident may have on your financial picture. Could you afford thousands in out-of-pocket medical costs? What if you didn’t have a primary health insurance plan? Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy is a helpful and sensible precaution.

Did You Know

There were 38.3 million accidental injuries in the United States in 2012 and over 35% were caused by accidental falls.2

What Is Accident Insurance?

Accident insurance, also called supplemental accident insurance or personal accident insurance, pays you a cash benefit for accidental injuries.

UnitedHealthcare offers two options for Accident insurance, underwritten by UnitedHealth

Accident Insurance

Hospitalization Insurance

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, can help you prepare your budget for unexpected medical costs resulting from a hospital stay. That’s why UnitedHealthcare offers Hospital SafeGuard, underwritten by UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company.

Why Should I Purchase Hospital Insurance?

On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:

  • You don’t have to meet a deductible to receive your benefits
  • No networks – payment amounts are the same regardless of whether you are in-network1 or out-of-network
  • Benefit payments are yours to use as you decide
  • Coverage is available for the entire family
  • Coverage is renewable until age 65

Hospital Indemnity Is Not ACA Minimum Essential Coverage

Hospital Indemnity Insurance is not the same as major medical insurance. It does not provide the coverage you need to avoid tax penalty under the Affordable Care Act (ACA). In fact, to qualify for Hospital SafeGuard and Hospital SafeGuard Premier, you must have minimum essential coverage as defined by the Affordable Care Act (ACA) at the time of application.

Hospitalization Insurance

Disability Income Insurance

Supplemental Insurance

Plan Today for Tomorrow

Even the best medical insurance doesn’t cover everything. That’s why UnitedHealthcare offers a full line of supplemental insurance, also called ancillary insurance, to help you deal with those unexpected events that concern you the most.

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Pays you cash for a qualifying illness.2 When you face critical health concerns like cancer, heart attacks, or stroke, you can use that cash to reduce your worries and help cover your health insurance deductible or the everyday expenses that can pile up during a time of lost income. Learn More

Provides a fixed payment per day for hospital stays to help cover those everyday expenses that don’t stop even when you are forced to. Benefits are paid directly to you to use on what you need. Learn More

Pays for covered expenses4 like burns, concussions, fractures and more that result from qualifying accidental injuries. Even if you have health insurance, adding accident insurance can help keep unexpected bills from busting your budget. Learn More

Helps those closest to you in case of your death. Your beneficiary would receive a lump sum payment, and you would ensure you’re leaving behind some financial security for those you love. Learn More

With these supplemental insurance products and others like Disability insurance1 and Travel insurance, we can help you build a personal coverage package that works for your life and your situation.

Looking for Affordable Supplemental Insurance?

Our ancillary insurance plans have options you can choose to help your choices fit your budget. With different deductibles, benefit options and benefit maximums available, we can help you strike the right balance between coverage and cost.

Supplemental Insurance

International Travel Medical Insurance

A Minor Investment May Save You from a Major Expense

Would you know what to do if you got sick in another country? How would you find a qualified doctor or hospital? And, what about asking for help in another language? Travel medical insurance offered through MEDEX, a UnitedHealthcare Global company,  may make a big difference in helping you feel secure when you’re traveling abroad.

Understand the Advantages of International Travel Medical Insurance

  • Travel medical insurance links you with the UnitedHealthcare Global Emergency Response Center to help you find a pre-screened quality medical provider.
  • Typically, you would have to pay up front at the time of service in another country. Travel medical insurance is designed to help with these costs at the time of service.
  • You can get help arranging the best method of transport for your condition as well as help making travel arrangements for your family.
  • From a lost or stolen passport to facilitating an emergency funds transfer to a referral if you need legal help, the UnitedHealthcare Global Emergency Response Center can assist you.

International Travel Medical Insurance