Your Backup Plan for ER Visits, Surgery, and Ambulance Rides

Why Families Love the HospitalWise Bundle 1 Plan

When your family is healthy and active, hospital visits probably aren’t top of mind. But accidents, injuries, and sudden illnesses happen — and when they do, the costs can be overwhelming, even with a good health insurance plan. That’s where HospitalWise Bundle 1 from UnitedHealthcare comes in. It's the most popular level of the plan because it's affordable and pays you cash for what you need most — things like hospital stays, surgeries, and emergency care that come with high out-of-pocket costs. It offers fixed cash payouts for hospital stays, surgeries, and emergency care, helping families handle the big deductibles and out-of-pocket costs that come with traditional health insurance.

Let’s break down what makes this plan a favorite — especially for busy families who want peace of mind.

🚑 Inpatient Hospital Care

Bundle 1 pays $1,000 per day for hospital stays due to sickness or injury — up to 10 days per incident. This money is paid directly to you. The funds can be used to pay medical bills, lost income, or however you feel is most useful. 

Common reasons for hospital stays include:

• Broken bones from sports or playground accidents

• Asthma attacks and respiratory infections

• Appendicitis and abdominal issues

• Complications from the flu or high fevers in kids

Fun Fact: The average hospital stay in the U.S. is about 4.6 days and costs over $13,000 without insurance — and that doesn’t include all the follow-up bills!

This benefit helps cover costs while you’re admitted, giving you the freedom to use the cash how you need — whether it’s for bills, travel, or even childcare.

🕒 Observation Care (12–24 hours)

If you’re kept for short-term monitoring but not fully admitted, the plan still pays $1,000 per day, up to 4 times per year.

Observation stays often happen for:

• Head injuries after a fall or sports injury

• Monitoring stomach pain or dehydration

• Watchful waiting after an ER visit

Fun Fact: Many families are surprised that observation status often comes with the same out-of-pocket costs as inpatient care — even though you're not “officially” admitted.

🏥 ICU Coverage

In critical situations, Bundle 1 adds another $1,000 per day for stays in the Intensive Care Unit — on top of the regular inpatient benefit.

ICU visits can be triggered by:

• Serious injuries

• Breathing complications from RSV or COVID

• Emergency surgery recovery

Fun Fact: ICU stays can cost over $5,000 per day in many hospitals — and this benefit provides direct cash to help soften that financial blow.

✂️ Outpatient Surgery

Bundle 1 pays $1,000 per day, up to 2 times per year, for unscheduled outpatient surgeries — meaning sudden, unexpected procedures that can’t wait.

Covered situations might include:

• Emergency appendectomies

• Setting a broken bone

• Torn ligaments from a soccer or ski accident

Fun Fact: Outpatient surgeries now account for more than 60% of all surgeries in the U.S. — but they often still come with big bills!

🧪 Major Diagnostic Testing

The plan includes $500 per day, up to 2 times per year, for advanced outpatient diagnostics like:

• MRIs

• CT scans

• PET scans

• EEGs and EKGs

These tests often come before surgery or during evaluation after an ER visit.

Fun Fact: An MRI without insurance can cost anywhere from $1,000–$5,000, depending on location and body part!

🚨 Ambulance Rides

HospitalWise Bundle 1 pays:

• $250 per ground ambulance ride

• $2,500 per air ambulance ride (Up to 4 rides per year total)

Ambulance transport is often needed for:

• Car accidents

• Sports injuries

• Severe allergic reactions

Fun Fact: The average ambulance ride costs over $1,200 — and air lifts can exceed $40,000.

Protect Your Family Without Breaking the Bank

The HospitalWise Bundle 1 plan is perfect for families who may not go to the doctor often but still want protection from those “what if” moments. Whether it's a trip to the ER, an unexpected surgery, or a rough fall at the park — this plan helps turn stressful situations into manageable ones with fast, flexible payouts.

Talk to your local agent at Utah Avenue Insurance to find out how Bundle 1 can complement your health plan. Because better coverage starts here.