You have great choices
UnitedHealth One Protector Guard Plan 4000
The Health ProtectorGuard Preferred 4000 plan is a powerful way to help protect yourself from the high out-of-pocket costs that can come with major medical events while also rewarding you for staying proactive with your health. The plan pays **$4,000 per day for hospital confinement**, plus an **additional $4,000 per day for ICU or critical care stays**, providing strong financial support during a serious illness or injury . It also includes a **$3,000 hospital admission benefit** on the first day you are admitted and pays **$500 per day for emergency room visits**. For those going through cancer treatment, the plan includes an excellent **outpatient chemotherapy, radiation, and immunotherapy benefit that pays $2,000 per day**, helping offset some of the very large costs that can come with treatment. On top of that, the plan includes wellness benefits to encourage preventative care, including **$750 for a colonoscopy**, **$200 for a mammogram**, and **$25 for an adult flu shot**. The plan also includes many other valuable benefits like ambulance coverage, outpatient surgery benefits, doctor office visits, specialist and urgent care visits, prescription drug benefits, diagnostic testing benefits for MRIs and CT scans, therapy visits, and unlimited virtual doctor visits through Teladoc. It’s a strong supplemental plan designed to help fill in the gaps of your major medical health insurance and provide extra peace of mind when unexpected medical costs arise.
Carrier
UHOne
Plan Year
2026
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. 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 diagnosis 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 and compensate you due to the diagnosis. Make sure to use these funds responsibly to address your injury-related costs 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.