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UnitedHealthOne
The UnitedHealthcare ancillary portfolio, underwritten by Golden Rule Insurance Company, offers a robust suite of solutions to support comprehensive health and well-being with products that not only complement core healthcare coverage, but may also make accessing care more convenient for individuals and families.
Available in 49 states with options tailored for both pre-65 and post-65 markets. Products are available year-round with no special enrollment period required.
Health ProtectorGuard
Fixed indemnity plan designed to pay present cash benefits for eligible medical services—a solid option for individuals who prefer an alternative to ACA plans.
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Wellness services, doctor office visits, urgent care visit and prescription drug benefits.
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Benefits for hospital stays, surgical services, emergency room visits and outpatient lab and diagnostic services
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Flexibility to use any doctor
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& more
*Not available in every state. See brochure for more details.​
Short Term Medical
​A fast, flexible and budget-friendly option for those seeking temporary or ACA-alternative coverage to protect against unexpected medical costs.
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No referrals or primary care physician (PCP) required
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Nationwide network
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Prescription drug coverage
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Apply for coverage any day of the year
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Choose your plan length (duration can be up to 36/mo depending on state)
*Not available in every state. See product by state grid.
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HospitalWise
®
A cash benefits is paid directly to the client for a qualified medical expense.*
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3 plans available
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No waiting period for most benefits*
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Guaranteed issue, meaning no medical questions*
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Inpatient hospital stay for sickness or injury
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Intensive care unit stay (ICU)
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Hospital observation (12 to 24 hours)
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​Some plans include emergency room, urgent care and doctor's office visits, outpatient surgery and more.
*Not available in every state. See brochure for more details.​
AccidentWise
®
Accident insurance that pays cash benefits regardless of other coverage, to help offset out-of-pocket medical costs.
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3 plans to choose from
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Financial assistance for hospital admission, emergency room treatment, urgent care center treatment, major diagnostic exam & more.
*Not available in every state. See brochure for more details.​
CriticalGuard
®
​Pays a lump sum cash benefits for cancer, heart-related issues, stroke and more.
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4 plans to choose from: Cancer, Heart/Stroke, Cancer + Heart/Stroke & Full Suite Critical Illness
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Can add coverage for wellness, outpatient provider-administrative drugs, telemedicine​
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Guaranteed issues options are available for select benefit amounts and issue ages
*Not available in every state. See brochure for more details.​
AdvantageGuard
®
Hospital indemnity with "Plan Recommendation" tool to help find the right benefits for your client. This product is designed to pair with a Medicare Advantage plan to cover OOP copays.
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Hospital benefits
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Optional add-on benefits: cancer, emergency room, urgent care, skilled nursing facility, outpatient surgical, ambulance & more.
*Not available in every state. See product by state grid.
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Get in Touch
7900 International Drive, Suite 1040
Bloomington, MN 55425