You've picked your UnitedHealthcare plan-now let's make sure you're ready to use it from day one. Sign up now to get helpful updates before your coverage kicks in.
Open Enrollment will occur
Nov. 04, 2026
to
Nov. 20, 2026.
Accident Protection Plan
Life can be unpredictable. Even with health insurance, an accidental injury can cost you thousands of dollars. Lost wages from missing work, health insurance deductibles and daily living expenses can create long-term financial problems.
Accident protection insurance can prepare you for the unexpected. If you have a covered injury during the plan year and submit a claim, the Accident Protection Plan will pay you a cash benefit directly. Any payment you receive is in addition to the benefits from your health plan. Plus, you don’t have to meet a deductible to receive the money — and you can use the money any way you want.
Plan-at-a-glance
Lump sum payment is paid directly to you after you submit your claim, and we verify it’s for a covered injury.
Use the benefit payment in any way you choose such as helping pay your mortgage or rent, your deductible or other out-of-pocket expenses.
If you have a UnitedHealthcare medical plan, Benefit Assist® can help make it easier for you to get the benefits you’re eligible for.
Coverage is portable so, if you change jobs, you can take the plan with you.
Plan benefits
Injuries and services that may qualify for a benefit in the event of an accident:
Ambulance services
Emergency room, physician and urgent care visits
Hospital admissions and stays
ICU admissions and stays
Dislocations
Fractures
X-rays
Tendon/ligament/cartilage surgery
Burns
Lacerations (cuts)
Concussions
Lodging, travel and child care
Medical appliances (e.g., crutches, wheelchair, walker)
Rehabilitation therapy
Some policies cover infectious diseases diagnoses, childhood conditions or neurological disease conditions. Please refer to your benefits summary for specific election information, including diagnosis eligibility, benefit amount and more.
See your enrollment materials and benefit documents for more plan information.
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