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 closes on Nov. 20, 2026.
That gives you 6 days to choose and enroll in your plan.
Hospital Indemnity Protection Plan
Even with health insurance, a hospital stay may mean big out-of-pocket costs and stress, especially if you have a high-deductible health plan. Working alongside your medical plan, Hospital Indemnity Protection insurance can help provide protection from the high costs of hospital care by paying you a benefit after hospital care.
Plan-at-a-glance
Use the cash payments any way you choose - from paying health-related out-of-pocket costs to living expenses such as rent or mortgage and more.
If you receive covered hospital care, the Hospital Indemnity Protection Plan will pay you directly in a single lump sum payment.
If you have a UnitedHealthcare medical plan, Benefit Assist® keeps an eye out for medical claims that may qualify you for a supplemental health benefit payout. This helps 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.
Benefits may be payable for:
Hospital admission
Hospital confinement
Intensive care unit (ICU) admission
ICU confinement
Drug and Alcohol Treatment (inpatient)
Mental and Nervous Treatment (inpatient)
Rehabilitation Therapy (inpatient)
Short Term Observation
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