
Surebridge Critical Accident Direct
With advances in emergency medical treatment and trauma care, the likelihood of surviving a critical accident continues to improve. However, there are likely to be many unexpected expenses related to an extended recovery period with an injury that is life altering. The Critical Accident Direct plan pays a one-time lump-sum cash benefit directly to you after a qualifying injury such as paralysis, blindness, deafness, burns & coma. The money can be used to
pay unexpected medical costs or everyday living expenses.
Carrier
UnitedHealthcare
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
Plan Year
2023
A health plan's plan year typically spans from January 1st to December 31st. At the start of each new year, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
How this plan pays you for broken bones and stitches
An accident plan offers a crucial safety net by providing direct financial support to individuals following accidental injuries, such as broken bones, stitches, or concussions. This type of insurance typically allows policyholders to seek immediate medical attention without worrying about the financial burden. When an accident occurs, the plan pays the policyholder directly, facilitating prompt medical treatment and recovery. This streamlined process ensures that individuals can quickly access the care they need, covering expenses like medical bills, hospital stays, and other related costs. In times of unexpected accidents, an accident plan serves as a reliable and efficient resource, offering financial relief when it's needed most, and allowing individuals to focus on their recovery without added financial stress.

Step 1: Seek medical attention
Immediately seek medical attention after an accident or injury. Your well-being is a top priority, and timely treatment is crucial for your recovery. Keep all medical records, bills, and documentation related to your injury and treatment.
Step 2: Contact Utah Avenue Insurance
Call Utah Avenue to get in touch with your local agent and initiate the claims process. Your agent will guide you through the necessary steps and help you complete the required paperwork. Be sure to provide accurate and detailed information about your accident, injuries, and medical treatment.
Work closely with your local agent to gather all the required documentation, such as medical bills, receipts, and proof of lost income due to the injury. Your local agent can even submit this paperwork for you promptly to the insurance company.
Once the insurance company receives your claim, they will review it to ensure it meets their criteria and policy terms. Your local agent will advocate on your behalf during this process, helping to address any inquiries or additional information requests.


Step 3: Get Paid
Upon approval, you will receive payment directly from the insurance company. These funds are meant to cover your medical expenses and compensate for any lost income due to the accident. Make sure to use these funds responsibly to address your injury-related costs promptly.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links

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!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
***Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount or contact the dentist to work out a payment plan.