The benefits of choosing complementary insurance plans
Managing whole health and well-being looks different for everyone. Grouping health insurance, sometimes called bundling plans, is a way to make sure you have the right plans for your lifestyle. By buying coverage that typical health insurance doesn't include, you might also save money in the long run.
What does it mean to combine insurance plans?
Grouping health insurance means finding plans that work together so you have coverage for all the care you need. This means, in addition to your medical insurance, you might consider a combination of supplemental insurance, including dental insurance, vision insurance, fixed indemnity insurance (also called fixed benefit health insurance), accident insurance and more.
How to shop for health plans that work well together
When shopping for plans, it’s important to first consider all the insurance plans you already have, if any. Think about your needs by considering what kind of out-of-pocket health expenses you’ve had in the past, as well as any supplemental plans, such as international travel.
Why it's important to add other plans to my coverage
Additional plans can help round out your coverage to include a wide range of services, such as routine doctor visits, hospitalization, dental, vision, accident and more. This helps cover some out-of-pocket costs that your main insurance may not cover. You might also pay less for common health costs, like dental visits or eye care, compared to paying out-of-pocket without insurance. By combining different types of plans, you’re likely to have access to a larger range of services, quality care without being limited by cost, and more preventive care, which can help detect issues earlier. It can also help reduce costs related to emergency care and unexpected events. Plus, it’s typically simpler and more convenient to manage your policies in one place.
Choosing plans that work well together
There are many insurance combinations that can cover your unique needs. Here are some common plans that work well together.
Short term + dental
Bridge a gap in medical coverage while staying on top overall health
Short-term health insurance can fill a temporary hole in your medical coverage until you find a long-term solution.1 Dental insurance covers common dental care. Together, you'll find medical care and keep your teeth healthy, which is important for overall health.
Fixed benefit health insurance + vision
Coverage for major medical gaps and routine eye care
Hospital and doctor fixed indemnity insurance, also known as fixed benefit health insurance, pays set cash benefit amounts for covered expenses.2 Vision insurance provides routine eye exams, access to discounts for vision laser surgery, and coverage for eyeglass lenses and frames. Combined, they help make sure you’re covered for your unique health needs.
Dental + vision
A well-rounded health plan for common care
Dental and vision are some of the most common plans to complement your medical coverage. Consider dental and vision plans with no maximum age limits3, which is ideal if you’re on Medicare or your employer doesn’t offer insurance. Receive dental preventive care and eye exams with no waiting periods or deductibles.
Accident + dental
Accident insurance helps with unexpected medical expenses
Dental insurance covers cleanings and X-rays that may offset more expensive problems. With these plans, you can stay on top of regular dental care while enjoying peace of mind.
Short-term + mental health virtual therapy
Coverage while you wait for your main insurance.
Pair a short-term health plan with a mental health virtual therapy membership and take steps to keep your body and mind healthy. Short-term plans offer temporary coverage while you wait for your main insurance to start. Plus, a membership for unlimited virtual therapy means you’ll can access mental health care without insurance.
Why choose medical and supplemental plans from UnitedHealthcare?
Supplemental plans are designed to complement your medical coverage, so you’re equipped with the right amount of insurance for your needs. With a wide range of options, you can find complementary plans to make sure you’re covered for the routine and unexpected — all in one place.