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UHONE

UnitedHealthOne · Underwritten by Golden Rule Insurance Company

Enhanced HealthProtectorGuard, AccidentExpenseGuard, CriticalGuard, DentalWise, VisionWise, Hospital SafeGuard GI, Guard Plans and Term Life SafeGuard — pulled straight from the agent brochure library for Team Savage agents.

HealthProtectorGuard AccidentExpenseGuard CriticalGuard DentalWise VisionWise Hospital SafeGuard GI Guard Plans Term Life SafeGuard Training Videos Agent Tools

No deductible, no coinsurance, no copays — HPG pays a fixed cash benefit directly for covered services, on top of any other coverage the client has. Benefits are highest when the client uses a UnitedHealthcare Choice Plus network provider (1.8M+ providers, 7,000+ hospitals, 58% average discount savings) but the plan pays regardless of provider choice. Sold in three tiers: Select 2000, Preferred 4000, and Premier 5000.

Guaranteed issue — no medical questions to qualify. Pays cash benefits for covered accidental injuries regardless of any other insurance the client carries, including health insurance. The perfect low-cost pairing with any HPG or short term medical plan.

Lump-sum cash benefit paid directly to the client upon first diagnosis of a covered critical illness, after a 30-day waiting period — usable for bills, living expenses, out-of-pocket medical costs, or anything else. Sold as four distinct plan configurations so the client (and your commission conversation) matches the coverage to what they actually want protected.

Benefit Lifetime Maximum Amount selected in increments of $5,000. *Guaranteed issue (no underwriting) at the $5,000 or $10,000 level. The "Critical Illness" plan is the broadest configuration — it adds coverage for Other Critical Conditions (organ transplant, renal failure, paralysis, etc.) on top of cancer and heart/stroke. All four plan types include additional services and optional benefits described in the full brochure.

Three plan tiers with no dental waiting period on Basic and Plan 1000 (Plan 2000 waives it except for Implants). All benefits are per insured person, per policy year.

No vision waiting period. Covers annual eye exams plus an allowance toward glasses or contacts — network private-practice and leading retail providers.

Fully guaranteed issue — no health questions of any kind. Pays fixed cash benefits for hospital stays and related outpatient services regardless of the actual expenses incurred or any other insurance. The go-to fallback plan when a client can't qualify for HPG. Four levels: Plan 500 / 750 / 1000 / 2000.

A fixed-benefit plan designed to layer on top of an ACA marketplace plan (or any major medical plan) to help absorb deductibles and out-of-pocket costs. Three levels: Guard 4000 / 5000 / 6000.

A limited-benefit term life policy with an optional Critical Illness accelerated benefit rider — a simple, affordable add-on conversation for clients who don't have any life coverage in place. Not major medical or comprehensive health insurance.

How it works: any Critical Illness benefit paid is subtracted from the remaining Term Life death benefit — the client gets cash now for a qualifying diagnosis, at the cost of a lower payout later. A 30-day waiting period applies to the Critical Illness rider except as noted below.

On-demand product training — watch these before you pitch these plans.

Short explainer videos you can text or email straight to clients.

Where to get contracted, quote, and pull marketing pieces as a UHOne agent.