Critical Illness Insurance
Our Full Suite CriticalGuard plan is designed for robust financial protection, offering a lump sum benefit of up to $100,000 for a range of critical illnesses, including cancer, heart attack, stroke, and conditions like ALS or major organ transplant. This coverage provides you with the flexibility to handle medical costs, modify your living space if needed, or simply cover everyday expenses while you recover. Critical illnesses can bring uncertainty and financial hardship, but with this plan, you can navigate treatment and recovery with the assurance that your finances are supported.
Carrier
UHOne
Plan Year
2025
Choose your own benefit
With a critical illness plan, you have the flexibility to choose a benefit level that suits your needs and budget, ranging from $10,000 to $100,000. This cash payout is made directly to you, tax-free, and can be used for anything from medical bills to covering your mortgage, rent, utilities, or even taking a much-needed vacation to help you recover. Whether you're facing a serious illness like cancer, heart attack, stroke, coma, or end-stage renal failure, you can customize your coverage to fit your budget and make sure you're financially protected where it matters most.
Optional Riders
This critical illness plan covers major diagnoses like cancer and offers optional riders for added protection. You can choose to include coverage for heart attack, stroke, ALS, Alzheimer's, coma, organ transplants, end-stage renal failure, and loss of independent living. These options provide financial support during recovery, ensuring you're protected from a wide range of serious health issues and can maintain financial stability in tough times.
How this plan pays you for cancer treatments
An critical illness plan offers a crucial safety net by providing direct financial support to individuals following a major diagnosis like cancer. This type of insurance allows policyholders to seek immediate medical attention without worrying about the financial burden. When a diagnosis is confirmed, 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, medications and other related costs. These funds can also be used for everyday needs like mortgage payments, rent, utilities, groceries and gas.
Step 1: Seek medical attention
Immediately seek medical attention. You can seek care at the closest ER, urgent care or primary care doctor for your treatment and diagnosis. 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 diagnosis.
Step 2: Contact your local agent at 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 diagnosis and medical treatment including dates, itemized bills and explanation of benefits.
Work closely with your local agent to gather all the required documentation, such as medical bills, receipts, and discharge papers. 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, lost income and living expenses. Make sure to use these funds responsibly to address your needs promptly. But these funds can be used however you see fit.
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 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 benefits of this plan plan. ​To learn the full benefits and terms of this plan, please see the full summary of benefits or contact your local agent. 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.