Supplemental Insurance Carrier:
This plan will pay you a lump sum in the event of first time heart attack or stroke diagnosis (plus a few other conditions). Most clients like to have this plan in place so that they can replace their income for 1-2 years and keep paying for treatment, mortgage, and other living expenses. 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 critical illness plan tailored to your needs — you can choose what you need for the most financial protection. Benefits are paid directly to you - not your doctor or hospital.
Critical illness plans come in many different verities, starting with a base policy, or category. You may qualify to strengthen your coverage with optional riders. These riders can include cancer, heart and/or critical conditions categories. In the event of a claim, the plan 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.
To learn more about your coverage options for critical conditions, ask your agent about our full suite of products to protect you and your family from catastrophic loss due to an unforeseen diagnosis.
Ask about Cancerwise™ or Optional CHS Rider.
Invasive Cancer: up to 100% (first ever diagnosis)
Cancer in Situ: up to 25%
Benign Brain Tumor: up to 25%
Skin Cancer: up to $250
Ask about HeartWise™ or Optional Heart Attack & Stroke Rider
Heart Attack: up to 100%
Stroke: up to 100%
Coronary Artery Bypass Graft: up to 25%
Angioplasty: up to 10%
CRITICAL CONDITIONS CATEGORY
As about Critical Conditions Rider
ALS: up to 100%
Alzheimer’s: up to 100%
Coma: up to 100%
Major Organ Transplant: up to 100%
End-Stage Renal Failure: up to 100%
Loss of Independent Living: up to 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 100% of the 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?
Critical Illness 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!