UnitedHealthcare dental insurance offers coverage for preventive, basic, and major dental services to help manage the cost of maintaining your oral health.

Depending on the plan, preventive services such as routine cleanings, exams, and X-rays may be covered at 100% when using an in-network dentist. Basic services, including fillings and simple extractions, may be covered at a percentage of the cost, while major procedures such as crowns, root canals, bridges, and dentures may receive additional coverage after applicable deductibles or waiting periods.

Members may also benefit from negotiated rates through participating dental providers. Coverage levels, annual maximums, and waiting periods vary by plan. [1]

UnitedHealthcare vision insurance helps reduce out-of-pocket expenses for routine eye care and prescription eyewear.

Depending on the plan selected, members may receive coverage for comprehensive eye exams, prescription lenses, eyeglass frames, and contact lenses.

Plans typically provide a set allowance toward frames or contact lenses, with members responsible for costs exceeding their allowance. Additional savings may be available for lens enhancements, specialty eyewear, and services received through participating vision providers. 

Benefit frequency, copayments, allowances, and out-of-network reimbursement vary by plan. [2]

Accident insurance provides cash benefits for qualifying accidental injuries and related medical treatment, helping members manage expenses that may not be fully covered by their primary health insurance.

Depending on the plan, benefits may be available for emergency room visits, ambulance transportation, fractures, dislocations, burns, lacerations, hospital treatment, and follow-up care such as physical therapy.

Certain policies may also include benefits for accidental death or qualifying loss of sight or limbs. After an eligible claim is approved, benefits are paid according to the policy's benefit schedule and can be used toward medical bills, deductibles, or everyday expenses.

Covered injuries, services, and payment amounts vary by plan. [4]

Critical illness insurance provides financial protection through a lump-sum cash benefit when an insured member is diagnosed with a qualifying serious medical condition.

Depending on the policy, covered conditions may include certain cancers, heart attacks, strokes, kidney failure, and specified organ transplants. Unlike traditional health insurance, which pays toward eligible medical services, critical illness insurance pays an approved cash benefit directly to the policyholder. 

These funds can be used toward medical deductibles, household expenses, transportation, lost income, or other financial obligations during treatment and recovery. Covered conditions, benefit amounts, partial payments, exclusions, and waiting periods depend on the selected policy. [3]

Hospital indemnity insurance provides fixed cash benefits for qualifying hospital stays, offering additional financial support when unexpected hospitalization occurs.

Depending on the policy, members may receive a one-time benefit for hospital admission, a daily cash payment for each eligible day of inpatient confinement, or additional benefits for intensive care and certain hospital-related services. 

Unlike traditional medical insurance, hospital indemnity benefits are generally based on covered events rather than the total amount of the hospital bill. 

Approved benefits can help offset deductibles, copayments, transportation, household bills, or other expenses during recovery.

Benefit amounts, covered services, confinement requirements, and maximum payment periods vary by policy. [5]

HealthiestYou is a non-insurance telehealth membership designed to provide convenient access to healthcare services without requiring an in-person office visit.

Members can access licensed physicians 24 hours a day, seven days a week, for common non-emergency medical concerns such as allergies, sinus infections, sore throats, and other routine illnesses. Virtual general medical consultations are available without additional per-visit consultation fees, and physicians may prescribe medications when medically appropriate. Additional services, including virtual mental health consultations and dermatology evaluations, may be available for separate fees. Members can also access prescription savings tools and healthcare cost-comparison resources.

Eligible family members may be included under the membership. HealthiestYou supplements existing healthcare coverage but does not replace health insurance. [6]

AdvantageGuard is a supplemental hospital indemnity insurance product designed to help older adults, including Medicare Advantage members, manage certain out-of-pocket healthcare expenses.

The policy provides fixed cash benefits for qualifying inpatient hospital stays due to covered sickness or injury, with payment amounts based on the selected daily benefit and maximum covered days.

Depending on the policy and optional riders selected, additional benefits may be available for hospital observation, emergency room visits, urgent care, skilled nursing facility stays, outpatient surgery, ambulance transportation, and certain diagnostic procedures.

Approved benefits are paid according to the policy's benefit schedule and can be used toward medical expenses or other financial needs. AdvantageGuard is not a Medicare Advantage plan and does not replace Medicare coverage. [7]