You likely know someone who’s had cancer, a heart attack or a stroke and maybe you’ve even seen the financial toll it can take. The Critical Illness Protection Plan, available through UnitedHealthcare, is designed to provide financial support to help pay your living expenses in the event you’re diagnosed with a covered critical illness.
Here’s how it works
The UnitedHealthcare Critical Illness Protection Plan sends a lump-sum payment directly to you after your diagnosis to help you stay on top of your bills. There are no restrictions on how you use the money you receive.
Mortgage or rent payments
Child care during treatment
Out-of-pocket health plan costs (deductibles, coinsurance, etc.)
Transportation to and from therapy and specialist appointments
This Critical Illness Protection Plan helps protect your health too.
To get even more out of your critical illness plan, there’s a wellness benefit that helps pay for preventive care and other health screenings.
Complete at least 1 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
Fasting blood glucose test
Hemoccult stool analysis
Serum cholesterol test to determine level of high-density lipoproteins (HDL) and lowdensity lipoproteins (LDL)
Stress test on a bicycle or treadmill
Screenings must be completed during the calendar year in 2023 for new enrollments beginning on January 1, 2023.
A covered spouse can also earn a benefit.
The benefit will only be paid 1 time per calendar year, regardless of the test results or number of test performed. The benefit is paid in addition to any other payments you and/or your covered spouse receives under the policy.
See your official critical illness plan documents for benefit details.
*All benefits are payable at 100% unless otherwise noted as a partial benefit. **While many health plans cover preventive care without cost-sharing when provided by a network physician, some charges may apply to these services when they are considered diagnostic (for example, services rendered to treat a health condition). Check your benefit plan documents to see what services are covered.