UnitedHealthcare Insurance Plans

Critical Illness Insurance

You can enroll in employee-pay-all Critical Illness Insurance through UnitedHealthcare, which pays a lump-sum benefit to you for covered medical conditions.

Benefits can be used to pay copays and deductibles, travel to treatment centers, child care and/or other expenses not covered by insurance, at your discretion. 

What you’ll pay depends on the dependents you choose to cover. Rates for both options are included below:

Monthly Premium
Age Range

Employee Only

Employee and Spouse

Employee and Children

Employee, Spouse and Children
Under 25
$1.40
$2.70
$2.40
$3.70
25-29
$1.90
$3.70
$2.90
$4.70
30-34
$2.60
$5.00
$3.60
$6.00
35-39
$3.60
$7.10
$4.60
$8.10
40-44
$5.80
$11.60
$6.80
$12.60
45-49
$9.40
$19.30
$10.40
$20.30
50-54
$13.70
$28.70
$14.70
$29.70
55-59
$18.80
$39.80
$19.80
$40.80
60-64
$26.70
$56.70
$27.70
$57.70
65-69
$38.40
$78.90
$39.40
$79.90
70-74
$27.35
$53.25
$28.35
$54.25
75+
$38.15
$69.05
$39.15
$70.05

Monthly Premium
Age Range

Employee Only

Employee and Spouse

Employee and Children

Employee, Spouse and Children
Under 25
$2.80
$5.40
$4.80
$7.40
25-29
$3.80
$7.40
$5.80
$9.40
30-34
$5.20
$10.00
$7.20
$12.00
35-39
$7.20
$14.20
$9.20
$16.20
40-44
$11.60
$23.20
$13.60
$25.20
45.49
$18.80
$38.60
$20.80
$40.60
50-54
$27.40
$57.40
$29.40
$59.40
55-59
$37.60
$79.60
$39.60
$81.60
60-64
$53.40
$113.40
$55.40
$115.40
65-69
$76.80
$157.80
$78.80
$159.80
70-74
$54.70
$106.50
$56.70
$108.50
75+
$76.30
$138.10
$78.30
$140.10

Accident Insurance

Accidental injuries might put a stop to your plans, but the Accident Protection Plan can help with the expenses from an unexpected event. If you have a covered injury that requires medical attention, like a burn, concussion, or fracture, you'll receive a cash benefit to use any way you choose. Plus, there's a yearly wellness benefit of up to $50 per year. All you need to do is complete one preventive screening or test.

Option 1:  $20,000 lifetime benefit

Option 2:  $30,000 lifetime benefit

Option 3:  $50,000 lifetime benefit

What's Covered

Even with health insurance, an accidental injury can cost you thousands of dollars. Lost wages from missing work, health insurance deductibles and daily living expenses can create long-term financial problems. Accident insurance helps cover the added costs you may face following an injury.

Ambulance services

Emergency room and urgent care

Doctor visits

Hospital admission and stays

Medical appliances (e.g., crutches, wheelchair, walker)

Rehabilitation

Burns

Concussions

Fractures/dislocations

Lacerations (cuts)

Prescriptions

Organized sports injuries

Lodging, travel and child care

UHC Hospital Indemnity Insurance

Even with health insurance, paying for a hospital stay can mean a lot of money coming out of your pocket to pay for your care. The Hospital Indemnity Protection Plan helps take care of that burden. If you receive covered hospital care, such as hospital admission and confinement or staying in the ICU, you'll receive a cash benefit to use any way you choose. Plus, there's a yearly wellness benefit of up to $50 per year. All you need to do is complete one preventive screening or test.

What's covered?

Even with health insurance, a hospital stay can mean big out-of-pocket costs and stress, especially if you have a high deductible health plan. If you receive covered hospital care and submit a claim, the Hospital Indemnity Protection Plan* will pay you directly—in a single payment (lump sum). Use the money any way you choose. This plan gives you the extra financial help you need so you can focus on feeling better.

Covered hospital expenses include:

Hospital admission: $500 (one admission per calendar year)
Hospital confinement: $100 per day
Intensive Care Unit (ICU) confinement: $100 per day
Hospital admission: $1,000 (one admission per calendar year)
Hospital confinement: $150 per day
Intensive Care Unit (ICU) confinement: $100 per day
Hospital admission: $1,500 (one admission per calendar year)
Hospital confinement: $200 per day
Intensive Care Unit (ICU) confinement: $200 per day

The wellness benefit may be money in your pocket.

Blood test for breast cancer (CA 15-3)
Blood test for colon cancer (CEA)
Blood test for myeloma (serum protein electrophoresis)
Blood test for ovarian cancer (CA 125)
Blood test for prostate cancer (PSA)
Blood test for triglycerides
Bone marrow testing
Breast ultrasound
Chest X-ray
Colonoscopy
Fasting blood glucose test
Flexible sigmoidoscopy
Hemoccult stool analysis
Mammography
Pap smear
Serum cholesterol test to determine HDL and LDL levels
Stress test on a bicycle or treadmill
Thermography
Virtual colonoscopy
 

For a complete list of all covered conditions and benefit payment amounts, see your official plan documents. Conditions and coverage may vary depending on where you live or what your employer offers.

Unresolved medical issues can take a serious toll on you. To help you through difficult times, the UnitedHealthcare Member Assistance Program (MAP) is available 24/7 to provide support.

You have 31 days from your initial benefits eligibility date to enroll in UHC Insurance, otherwise you can enroll during Open Enrollment through Workday.

For more information go to UA System Benefits page or contact Human Resources at hrbenf@uark.edu.