UHC Voluntary Benefits

(Spouse Benefit is 100% of EE; Child benefit 50% of EE)

Payable for all covered persons: Increases benefits by 25%

See Wellness Details page for covered exams. 

$50 Benefit payable upon completion of a covered Wellness exam or health screening test. One covered test per calendar year per covered employee, spouse, and child. See Wellness page for details. 

This benefit summary is an overview of your insurance. Once a group policy is issued to your employer, a Certificate of Coverage will be available to explain your benefits in detail. In the event of a conflict between this benefit summary and your Certificate of Coverage, the Certificate of Coverage will control.

• Antibody or Serology testing
• At-Home screening tests for Colon Cancer
• Biopsy
• Blood Test for Cholesterol
• Blood test for triglyceride
• Biometric Screenings
• Bone Density scans
• Bone marrow testing
• Breast ultrasound
• Breast MRI
• CA 15-3 (blood test for breast cancer)
• CA 125 (blood test for ovarian cancer)
• CEA (blood test for colon cancer)
• Chest X-ray
• Colonoscopy
• Complete Blood Count
• Doppler screening for carotids
• Doppler screening for peripheral vascular disease
• Doppler screening for abdominal aorta
• Echocardiogram
• Electrocardiogram
• Endoscopy
• Fasting blood glucose test
• Fasting plasma glucose (FPG
• Flexible sigmoidoscopy
• Hemoccult stool analysis
• Hemoglobin A1C (HbA1c)
• HPV Testing
• Lipid Panel
• Mammography
• Monoclonal Antibody Therapy
• Pap smear
• PSA( blood test for prostate cancer)
• Routine Physicals (up to age 18)
• Serum Protein Electrophoresis (blood test for myeloma)
• Stress test on a bicycle or treadmill
• Thinprep pap test
• Thermography
• Serum cholesterol test to determine level of HDL and LDL
• Virtual Colonoscopy
• Fair Screening
• Well-Child Exams (up to age 18)
• Whole Body Skin Cancer Screening

Benefit payable upon completion of a covered wellness exam or health screening test. One covered test per calendar year per insured. 

You are eligible if you are working as a full time employee and considered benefit eligible by your employer. 

Accident coverage helps to provide financial protection against the unexpected expense of a covered accident. 

An Accident is an unforeseen event that occurs suddenly as the result of trauma and results in bodily injury. For a benefit to be payable, the accident must occur while coverage is in force. 

Your employer has made coverage available to all eligible employees on a voluntary basis, which means you pay your premiums if you elect coverage. 

You must be Actively at Work with your employer, as defined in your plan, on the date your coverage is scheduled to take effect. Otherwise, yoru coverage takes effect when you return to Active Work. 

See your HR Representative or your Certificate of Coverage for your specific provisions. Your Employer will provide the initial paperwork. 

Portability

May be available for spouse and children when the employee elect portability. 

You can continue all or a portion of your Accident insurance. 

Evidence of Insurability is not required. Must apply and pay premium within 31 days of termination of your Accident insurance. Some state variations may apply. 

Yes. Benefits are payable per accident, regardless of the number of accidents that occur. 

For a benefit to be payable, coverage must be in force on the date of the accident. Therefore, in this situation, because the accident occurred prior to the coverage effective date, a benefit would not be payable. 

Hospital Indemnity coverage provides protection agains the expense of hospital care as a result of an illness or injury. 

Your employer has made HIPP coverage available to all eligible employees on a voluntary basis, which means you pay your premiums if you elect the coverage. 

You may also have the option to purchase coverage for your Spouse or Child. 

You are eligible if you are a full time employee and considered benefit eligible by your employer. 

You must be Actively at Work with your employer, as defined in your plan, on the date your coverage is scheduled to take effect. Otherwise, your coverage takes effect when you return to Active Work. 

Yes, hospitalization for routine labor and delivery is included with your HIPP coverage. 

Complications of Pregnancy are covered to the same extent as any other sickness. 

New born children are covered from the moment of live birth for the first 31 days. You would need to notify us within 31 days of the birth if you want to enroll that child, regardless of whether there are existing dependent children covered. 

A newborn child's routine nursing or routine well baby care is not included. 

If the newborn is admitted and confined to the hospital due to complications, it would be covered as any other sickness. 

Confinement benefits begin on the day following admission. 

For confinement benefit to be payable, a room and board charge must be incurred for that day. 

Each covered person may receive 1 Day Hospital and 1 Day ICU Admission benefit per plan year. 

If a covered person is admitted to the ICU, and has not exhausted their Hospital Admission benefit, the Hospital Admission benefit would be payable in addition to the ICU Admission benefit. 

Each covered person may receive benefits for up to 29 Days of confinement in a Hospital and up to 29 Days of confinement in ICU, per plan year. 

If a covered person is confined to the ICU, and has not exhausted their Hospital Confinement benefits, the Hospital Confinement benefit would be payable in addition to the ICU Confinement benefit. 

The Short Term Observation benefit is payable for services received in the Observation Unit of a hospital for treatment due to an injury or sickness. 

Short Term Observation services must be less than 23 hours and must be received on an Outpatient basis, with no room and board charge. 

The Short Term Observation benefit is payable once per Injury or Sickness per covered person. 

Your policy contains the following. See your HR Representative or your Certificate of Coverage for your specific provisions. Your Employer will provide the initial paperwork. 

Portability

• May be available for spouse and children when the employee elects portability. 
• You can continue all or a portion of your HIPP insurance. 
• Evidence of Insurability is not required. 
• Must apply and pay premium within 31 days of termination of your HIPP insurance *
  • *Some state variations may apply.