UnitedHealthcare has added accident protection to its voluntary benefits product offerings for employers.
UnitedHealthcare’s Accident Protection Plan provides a cash benefit for covered events to help limit employees’ out-of-pocket expenses after an accident, and can help pay deductibles and copayments, and cover lost income.
Employers that offer their workers UnitedHealthcare medical benefit plans can integrate the Accident Protection Plan with other ancillary products such as critical illness, dental, vision and disability insurance, the carrier says. UnitedHealthcare’s voluntary benefits are also available as standalone products.
“A short-term spike in unexpected expenses can be devastating for many people, especially in today’s economy,” says Gary Harger, vice president of voluntary products, UnitedHealthcare. “Some people suffer injuries that don’t require a disability leave, but they still incur major expenses and possibly lost income related to their care. Benefit payments from an accident insurance policy allow people to focus on healing instead of their bills.”
The company says employers offering both medical and voluntary plans from UnitedHealthcare “benefit from streamlined, more efficient plan administration that enables a greater focus on the overall health of plan participants across all benefits offered by the company.”
The Accident Protection Plan is currently available to businesses with 51 or more eligible employees in 33 states and the District of Columbia.