Supplemental Insurance Carrier:
We’ve all known someone who has had an unexpected cancer diagnosis. This plan has given our clients the freedom and choice to alleviate the emotional and financial stress that comes with a major diagnosis. Our clients have been able to take a leave from their job, focus on their family, hire a nanny, take a vacation and continue to pay their mortgage. This plan pays you a large lump sum in the event of first time cancer, heart attack, or stroke diagnosis plus a few other critical illnesses. This plan has a $20 application fee.
What illnesses does this plan cover?
Did you know that nearly 10 million adults with health insurance will still accumulate medical bills they can’t pay? We can help protect you and your family with a suite of three coverage categories — you can choose what you need for the most financial protection. The chart below lists the percentage of the benefit amount that you would be eligible to receive as a lump-sum cash payment upon the first diagnosis of a qualifying event. You can choose a tax free lump sum benefit between $10,000 and $100,000 to fit your needs and budget. Benefits are paid directly to you - not your doctor or hospital.
To choose a plan, start with a base policy, or category. Then strengthen your coverage with optional riders. You can start with the Cancer Category and add the Heart Category and/or Critical Conditions category. Or you can start with the Heart Category and add on the Critical Conditions Category. Benefit pays you up to a $100,000 lump sum cash benefit on first diagnosis of a covered critical illness or qualifying event. If you've already had a first diagnosis or covered critical illness, you may still qualify for other categories or riders.
Invasive Cancer 100%
Cancer in Situ 25%
Benign Brain Tumor 25%
Skin Cancer $250
HeartWise™ or Optional Heart Attack & Stroke Rider
Heart Attack 100%
Coronary Artery Bypass Graft 25%
CRITICAL CONDITIONS CATEGORY
Critical Conditions Rider
Major Organ Transplant 100%
End-Stage Renal Failure 100%
Loss of Independent Living 25%
How does this plan work?
Serious illness takes more than a physical toll — it can impact your finances as well. Our Critical Illness suite of products, can provide an extra layer of financial protection so you can focus on what really matters. This plan will pay you directly, up to a $100,000 lump-sum on a first diagnosis of a covered critical illness or qualifying event.
Coverage is available for the whole family - you, your spouse, and your kids. At Utah Avenue Insurance, we make the claims process easy, so you can get your funds quickly and use it when you need it most. After a first diagnosis or qualifying event, notify us via phone call, text, email or stop by one of our local offices. We'll help get and send in all the right paperwork and get your claim paid.
1. Get the Care you need
See your doctor, urgent care facility or emergency room for a covered illness. Have your doctor or the hospital bill your regular medical health insurance plan.
2. Let us do the paperwork
Call, text or email us that you have a claim. Our office staff will help you fill out and send in all the right forms and track your claim.
3. Get paid
Get paid! You'll get a check made out to you. Use these funds to cover your medical expenses, lost wages, or something fun.
Frequently Asked Questions
How do I get my ID card?
Accidental plans with the optional riders do not come with ID cards. So you will not receive a card in the mail. You can access your plan benefits, update payment options, and more in your member portal. Log in with the link below.
Can I only use the lump-sum cash benefit for medical expenses?
No, the benefit is paid directly to you. You may use these funds to help cover out of pocket costs however you like including:
Transportation to and from treatment centers
Out of network providers
Groceries and take out meals
Is your doctor and hospital in network?
Critical illness plans do not have networks. Which means that you can see any doctor or hospital in nation and still file a claim. It is recommended that if you have a health insurance plan that you see an in-network doctor or hospital if possible as only emergency are covered out of network on most health insurance plans.
Currently Enrolled with this plan? Log into your portal.
Below is the link to log into your client portal. Most companies have an app you can also download onto your phone. The best place to view information about this plan is through the member portal. The member portal gives you easy access to your plan details, claims information, and more. You can update your payment information in the member portal, too. Simply set up an account and login by clicking the member portal link below. If you have any issues logging in, just give us a call and we can help.
Premium payments is the monthly amount you pay for your insurance plan. The initial premium, or binder payment, needs to be made before your plan starts. Be sure to watch your account to make sure the premium has been debited. Most carriers accept bank accounts, debit cards and credit cards as payment. If you need to update your account, you can log into your portal or call our office for help.
Deductible? Copays? Coinsurance? What does it mean?
Learn the basic terms about health insurance to better understand your plan. Don't worry, most people don't know what these terms mean and how they apply to your plan. That's why we're here. Please contact us if we missed any terms or if you'd rather talk to us instead of read.
Learn more about this plan and talk to a local agent
Want to add extra coverage or riders to you plan? Contact a local agent today. We can get you a quote right away and start these plans as soon as tomorrow. These plans can be added to your high deductible employer plan as well.
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!