Unexpected Illness or Injury? These Plans Pay You Cash.
With CriticalGuard and AccidentWise from UnitedHealthOne, you get direct cash benefits for covered events — so you’re never left facing medical bills and lost income alone.
Available Monday–Friday, 9:00 AM to 6:00 PM EST
Two Plans. One Purpose. More Peace of Mind.
Add protection for the costs your health plan doesn’t cover.
Even with a solid health insurance plan, a hospital visit, injury, or diagnosis can lead to a wave of unexpected expenses. That’s why CriticalGuard and AccidentWise, supplemental plans offered by UnitedHealthOne, are designed to help you stay financially secure — no matter what life brings.
CriticalGuard provides:
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Lump-Sum Payout at Diagnosis
A lump-sum cash benefit at first diagnosis of a covered condition
Coverage for Major Illnesses
Coverage for cancer, heart attack, stroke, and more
Flexible Use of Funds
Funds to use for bills, lost wages, or recovery
AccidentWise provides:
Financial Support For Accidents
Cash payments for a range of covered accidental injuries
Emergency & Follow-Up Care
ER visits, fractures, ambulance transport, and follow-up care
Help with Out-of-Pocket Costs
Support for out-of-pocket costs not covered by your primary plan
And the best part? Cash is paid directly to you — not to a provider.
Use it for whatever helps you most
Why These Plans Make Sense
Because recovery takes more than just medical care.
Whether you’re preparing for the unexpected or recovering from it, these plans are designed to put the control — and the cash — in your hands.
Spend It Your Way
Your benefit is paid directly to you—not to a hospital or provider—so you can use it however you need, whether that’s covering medical bills, rent, groceries, childcare, or anything else life throws your way.
No Network Hassles
Get the care you need without worrying about provider networks, referrals, or complicated claims processes. You choose where to go and who to see—no restrictions.
Lifetime Renewability
Your coverage is guaranteed renewable for life, as long as premiums are paid. That means long-term protection you can count on, year after year.
Whether you’re preparing for the unexpected or recovering from it, these plans are designed to put the control — and the cash — in your hands.
Why Income Protection Coverage Matters
CriticalGuard – Protect Your Future Income?
What each plan offers you:
- First Diagnosis, First Check: Pays a lump-sum cash benefit upon first diagnosis of a covered critical illness like cancer, heart attack, or stroke.
- Cash for Your Needs: Use the funds for income replacement, medical bills, rent, groceries, or anything else — no restrictions
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No Red Tape: No hospital stay required, no networks, no delay. Just fast support when you need it most.
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Supplemental plans that pay you — not the provider.
Accident Wise - Support When Accidents Happen
What each plan offers you:
- Injury-Based Payouts: Provides cash benefits for qualifying accidental injuries — including ER visits, fractures, ambulance rides, and more.
- Direct Payment to You: Cash goes to you, not a provider, so you decide how to use it.
- Works With Your Health Plan: Helps cover out-of-pocket costs and household bills that traditional insurance may not.
Trusted. Reliable. Proven.
Why Choose UnitedHealthOne?
Offered by UnitedHealthOne and underwritten by Golden Rule Insurance Company, CriticalGuard and AccidentWise are backed by the strength of one of the nation’s most trusted health organizations.
With over 80 years of experience and an A+ (Superior) financial strength rating, you can enroll with confidence.