UHC Insurance Plans

You have the option to enroll in three employee-pay-all supplemental health insurance plans through UnitedHealthcare:

  • Critical Illness Protection: Financial protection if you’re diagnosed with a serious illness
  • Hospital Indemnity Protection: Financial protection for hospital stays and associated treatment costs
  • Accident Protection: Financial protection for unexpected injuries or accidents

You can enroll in one, two or all three plans. Plus, each plan offers a $50 annual wellness benefit that you can use to help offset the cost of this valuable coverage.

Why enroll?

If a serious illness or injury resulting in medical expenses would be a financial burden, consider whether one (or more) of these plans could provide some peace of mind.

Enrolling in Coverage

Enroll in the UnitedHealthcare plans through Workday.

You have 31 days from your first day of employment to enroll. If you do not enroll during this initial 31-day time period, you can only enroll:

  • During open enrollment (generally, in the fall of each year), or
  • Within 31 days of a qualifying life event.

Cost of Coverage

What you’ll pay depends on your plan option and the dependents you choose to cover. To review plan limitations, read each plan’s Summary of Benefits, listed on this webpage under “Important Documents.”

Claims

If you have a covered illness, injury or hospitalization, submit a claim to UnitedHealthcare, and the plan will pay a tax-free benefit directly to you.

Cash benefits are in addition to any benefits paid by your university medical coverage. There is no offset or coordination of benefits between these supplemental plans and your university medical coverage.

There’s no deductible and you can use the money however you wish. For example, you can use the cash benefits to reimburse yourself for:

  • Copays and deductibles
  • Travel expenses to treatment centers
  • Prescriptions
  • Child care
  • Other expenses not covered by insurance

File a Claim

Call to submit a claim: (866) 556-8298, 8:00 AM to 8:00 PM (ET), Monday through Friday.

Or, submit a claim using a paper form.

About the Plans

Critical Illness Protection Plan

Critical illness insurance pays a lump-sum cash benefit directly to you for covered medical conditions, such as:

  • Cancer (invasive and non-invasive)
  • Heart attack and failure
  • Major organ failure
  • Paralysis
  • Alzheimer’s
  • Blindness or loss of hearing

You can choose from two options:

  • Option 1: $10,000 (maximum coverage amount)
  • Option 2: $20,000 (maximum coverage amount)

Hospital Indemnity Protection Plan

Hospital indemnity insurance pays a lump-sum cash benefit directly to you if you have a covered hospitalization. Covered hospital expenses include hospital admission, hospital confinement, and intensive care unit (ICU) confinement.

You can choose from three plans:

  • 1500 plan (pays $1,500 for an initial hospital admission)
  • 1000 plan (pays $1,000 for an initial hospital admission)
  • 500 plan (pays $500 for an initial hospital admission)

Accident Protection Plan

Accident insurance pays a lump-sum cash benefit directly to you if you have a covered injury. The plan covers more than 80 injuries and services, including:

  • Ambulance services
  • Emergency room and urgent care
  • Doctor visits
  • Hospital admissions and stays
  • Medical appliances (e.g., crutches, wheelchairs, walkers)
  • Burns
  • Concussions

You can choose from three options:

  • Option 1: $20,000 lifetime benefit
  • Option 2: $30,000 lifetime benefit
  • Option 3: $50,000 lifetime benefit

Wellness Benefit

You can earn $50 per year for each plan you elect (critical illness, hospital indemnity and/or accident) just for staying on top of your health. Use the money however you’d like — no restrictions are imposed by the university or by UHC.

Your covered spouse can also earn a $50 wellness benefit by completing an exam or screening.

If you enroll in more than one plan, you must complete a separate screening/test for each plan in order to earn multiple wellness credits.

Complete at least one of these screenings or tests to earn $50
  • Blood test for breast cancer (CA 15-3)
  • Blood test for colon cancer (CEA)
  • Blood test for myeloma (serum protein electrophoresis)
  • Blood test for ovarian cancer (CA 125)
  • Blood test for prostate cancer (PSA)
  • Blood test for triglycerides
  • Bone marrow testing
  • Breast ultrasound
  • Chest X-ray
  • Colonoscopy
  • Fasting blood glucose test
  • Flexible sigmoidoscopy
  • Hemoccult stool analysis
  • Mammography
  • Pap test
  • Serum cholesterol test to determine level of high-density lipoproteins (HDL) and lowdensity lipoproteins (LDL)
  • Stress test on a bicycle or treadmill
  • Thermography
  • Virtual colonoscopy

Program details
  • For new 2025 enrollments, screenings must be completed during the 2025 calendar year.
  • The benefit will only be paid one time per calendar year and per plan, regardless of the test results or number of tests performed. The benefit is paid in addition to any other payments you and your covered spouse receive under the policy.
  • Wellness benefit details are listed by plan on this webpage under “Important Documents.”