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Accident ProGuard with Critical Illness Rider
With Accident ProGuard, your family can enjoy peace of mind with comprehensive coverage that helps pay out in two significant ways. First, the accidental injury portion provides a payment directly to you for covered accidents, regardless of other insurance payouts. For instance, if you sustain a broken bone or concussion injury requiring medical attention, this coverage can help cover expenses, ensuring you can focus on recovery without the stress of unpaid medical bills. Secondly, the critical illness portion offering a lump sum payment upon diagnosis of a qualifying illness such as cancer, heart attack, or stroke. This benefit is crucial for managing the financial impact of serious health conditions, allowing you to use the funds as needed for treatment or daily living expenses.
Carrier
UHOne
Plan Year
2027
Choose your own benefit
Accidental insurance from Allstate Health Solutions offers crucial financial protection for unexpected injuries like broken bones, concussions, or the need for stitches. With customizable benefit levels ranging from $2,500 to $25,000, this plan provides peace of mind by covering medical expenses related to accidental injuries. This plan pays you directly for your medical bills due to an injury. With optional riders for hospital stays, cancer diagnosis, and heart attacks, you can ensure that your family is financially protected.
It's not just about financial security; it's about relieving the stress of medical bills so you can focus on your recovery. Allstate's accidental insurance with optional riders ensures you're protected against life's unforeseen events, allowing you to safeguard your health and financial well-being with confidence. Make a wise choice today and protect yourself from the uncertainties of life’s accidents.
Optional Hospital Rider
The optional hospital sickness rider is an essential enhancement to your accident insurance plan, designed to provide comprehensive coverage for 24 hour long hospital stays due to illness. This rider offers a vital financial safety net, ensuring that you and your family have the support needed during challenging times. This plan pays you directly so you can cover a range of medical expenses associated with hospitalization, including room charges, surgeries, and necessary follow up doctor visits, helping to ease the financial burden that often accompanies unexpected illnesses.
What makes this rider particularly valuable is its flexibility in benefit levels, allowing policyholders to choose coverage amounts ranging from $2,500 to $15,000. Most families choose a benefit that matches their maximum out of pocket on their health plan. The benefit can be utilized once per year per member and up to two times per family, offering peace of mind and financial relief in times of need. This rider is a smart choice for those seeking additional protection and reassurance for hospital stays due to illness.
Optional Cancer & Heart Attack Rider
The cancer, heart attack, and stroke rider is an invaluable addition to your insurance portfolio, offering crucial financial protection in the event of a major health crisis. This rider provides a lump-sum payout upon diagnosis of any of these critical illnesses, delivering immediate financial support when it’s needed most. This payout can be utilized for a range of purposes, from covering medical expenses to addressing non-medical needs such as home modifications, debt repayment, or even a family vacation to aid in recovery.
Choosing this rider ensures you have a financial safety net during times of significant physical and emotional strain. With a one-time lifetime payout, policyholders can rest assured knowing they’re protected against the financial impact of cancer, heart attack, or stroke. This rider offers a thoughtful approach to insurance, allowing you to focus on your health and recovery while maintaining financial stability. It’s a proactive step towards securing peace of mind for you and your family during life’s most challenging moments.
How this plan pays you for broken bones and stitches
An accident plan provides essential financial support for individuals who suffer accidental injuries, such as broken bones, stitches, or concussions. This plan ensures that you can seek immediate medical care without the added stress of financial concerns. When an accident happens, the plan delivers direct payments to you, enabling swift access to treatment and aiding in recovery. It covers various expenses, including medical bills, hospital stays, and follow up visits. During unforeseen accidents, an accident plan acts as a dependable and effective resource, offering crucial financial relief and allowing individuals to concentrate on their recovery without worrying about the financial impact.
Step 1: Seek medical attention
Immediately seek medical attention after an accident or injury. 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 accident, injuries, 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 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 you due to the accident. 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 plan documents, including the Summary of Benefits and Coverage (SBC) and insurance policy, provide more detailed information about how your health plan works, including deductibles, copays, coinsurance, covered services, and other important benefits. You can also use the provider search links to check which doctors, specialists, hospitals, and other healthcare facilities participate in the plan’s network. We recommend reviewing these resources when comparing plans so you can better understand your coverage, expected costs, and whether the doctors and facilities you prefer are included.
Helpful Links
Schedule a consultation with a local health insurance agent
Insurance doesn’t have to be confusing, and you don’t have to figure it out on your own. Our local Utah Avenue Insurance agents are here to help you compare your options, understand your benefits, and find coverage that fits your healthcare needs and your budget. We can help with Marketplace and private health insurance, Medicare Advantage and Medicare Supplements, dental, vision, life insurance, accident coverage, and more. Meet with us in person, virtually, or over the phone—whatever is easiest for you. Best of all, there is no cost to work with one of our agents, so schedule your consultation today and let us help you find the right coverage with confidence.
The plan benefits, costs, copays, deductibles, networks, and other information shown on this page are provided for general informational purposes and may change. Utah Avenue Insurance makes every effort to provide accurate and up-to-date information; however, the insurance carrier’s official policy documents, Summary of Benefits and Coverage (SBC), and other plan documents will always govern your coverage. Provider networks and prescription drug formularies may also change, so we recommend verifying your doctors, hospitals, and medications before enrolling. If you have questions about a benefit or cost, please contact a Utah Avenue Insurance agent and we’ll be happy to help you review the plan details.