Golden Rule Supplemental Coverage

Every supplemental policy I place is Golden Rule (UnitedHealthcare). They don’t replace your health plan — they sit on top of it and pay set benefits when life happens.

The stack I build for most clients

• AccidentWise (up to the $20,000 level): pays benefits for covered accidental injuries — ER visits, hospital stays, follow-up care — money you can aim at your deductible.
• HospitalWise: pays benefits tied to hospital admission and confinement, when a health plan’s deductible hits hardest.
• Dental (up to the $3,000 max option): preventive and major dental work on a predictable schedule instead of surprise bills.
• Vision: exams and eyewear allowances that keep small costs small.

Exact benefits, limits, and waiting periods are in your policy — I walk through them before you buy, and your policy numbers go in your welcome text so you always have them.

Pick your accident level: $20,000, $15,000, or $10,000

AccidentWise comes in levels. The right one is the one that fits your budget every month — because a policy you keep beats a bigger one you cancel:

• $20,000 level: the full shield. Hospital admission and major accident benefits at the top tier.
• $15,000 level: the middle ground — strong protection, easier monthly fit.
• $10,000 level: the starter shield. Real protection that almost any budget can hold.

Why these two attach to almost every plan I sell: AccidentWise and HospitalWise aren’t medically underwritten — no medical exam or health-history gauntlet the way medically-underwritten policies have. If you can take the health plan, we can almost always layer these on top (eligibility always per policy terms and state availability). That’s the stack: health plan + accident + hospital, so a bad day doesn’t become a bad year.

Plus: life insurance, with critical illness underneath it

Health insurance protects your wallet this year. Life insurance protects your family for good. When the budget allows, we add critical illness protection underneath the life insurance — so a diagnosis like cancer, heart attack, or stroke (per policy terms) pays benefits when your family needs breathing room most. Options and eligibility vary by policy and state, so I check what’s actually available for you before quoting anything.

Billing: one separate charge, on purpose

• Golden Rule bills these policies separately from your health plan — two bills is normal, explained on the billing page.
• Update a card or fix a failed payment directly with Golden Rule at 1-800-657-8205 (weekdays) — for your protection, I can’t take card numbers or change payments for you.
• View or print ID cards anytime at uhone.com.

Add the layer to your plan

Text STACK to 954-787-9118 and I’ll map the accident/hospital/dental layer onto your current coverage — or build it into your Open Enrollment plan check.