Have you ever faced an unexpected medical issue and found yourself in need of additional cash to help cover the out-of-pocket expenses, such as deductibles or lost wages? If so, you’re not alone.
Almost two-thirds of people have less than $1,000 on hand to pay for an unexpected medical issue, yet an average hospital stay costs over $15,000. To help cover these high costs, many people are enrolling in supplemental health plans, such as accident, critical illness or hospital indemnity plans. These plans can provide cash pay-outs following a covered injury, illness or hospital stay.
Unfortunately, people enrolled in supplemental health plans often can take too long to start the related claim or neglect it altogether. This can lead to a delayed pay-out or no pay-out at all. A new program, known as Benefit Assist, is helping speed up this process by utilizing a team of Benefit Assistants.
Here’s how it works. After a covered critical illness diagnosis, hospital stay or accident, a Benefit Assistant would contact you and help kick-start the claim. The program is designed to help you get your pay-out sooner and with less hassle. This allows you to focus on your recovery.
Some supplemental health policy pay-outs can reach $5,000 or more under accident and hospital indemnity plans and up to $40,000 under critical illness plans.* Benefit Assist is offered to eligible members enrolled in both a UnitedHealthcare medical and UnitedHealthcare supplemental plan, including accident, critical illness or hospital indemnity protection. Check with your employer to see if this is an option for you.
For illustration purposes only, with actual coverage amounts varying by plan; coverage amounts reflect a benefit pay-out per plan participant per year.