Per AuPairCare's Host Family Agreement, Host Families are required to provide medical coverage under their auto insurance policy for their au pair; UnitedHealthcare's medical coverage will only cover an auto-accident once the host family's auto insurance policy is exhausted. UMR is a UnitedHealthcare company. Plans Provide Access to UnitedHealthcare’s Choice + PPO Network in Georgia & Nationally. Created Date: 8/5/2019 5:05:56 PM for health insurance plans. You should call UnitedHealthcare if you have questions about the limits of the coverage available to you. Please consult a tax advisor. Per AuPairCare's Host Family Agreement, Host Families are required to provide medical coverage under their auto insurance policy for their au pair; UnitedHealthcare's medical coverage will only cover an auto-accident once the host family's auto insurance policy is exhausted. Life and Disability products are provided on policy forms LASD-POL-LIFE NY (05/03) and LASD-POL-ADD/DIS NY (05/03). Unimerica Life Insurance Company of New York is located in New York, NY. and UHCLD-POL 2/2008 et al., in Texas on forms LASD-POL-TX(05/03) and UHCLD-POL 2/2008-TX and in Virginia on LASD-POL(05/03) and UHCLD-POL 2/2008. Bundle Accident with other with other supportive health products to provide even greater coverage for you and your family. • Many of the sections of this SPD are related to other sections. Read More . Yes No Describe Accident or Occupational Sickness: Type of Accident: Auto Other Overview of UnitedHealthCare. Ancestry considers you part of our family. We do not claim our questions will be asked in any interview you may have. All of the information in that section is required to process the claim. This plan gives you a choice of doctors and hospitals. INFORMATION ABOUT THE COVERED EMPLOYEE (Please answer all questions… If you have any questions or concerns, feel free to reach out to us directly via email, or by phone. Not all features are available with all plans. Use the contact information on the form to fax or email your claim. Please consult a tax advisor. Ask your provider to give you a Superbill or Invoice that includes all of the following for each date of service: IMPORTANT: This information must be on the Superbill as it is required to process the claim. Unimerica Life Insurance Company of New York is located in New York, NY. Model of Care. These optional forms are used by the member to provide UnitedHealthcare with authorization to discuss their claim with someone other than the member. Separate policies or certificates are issued unless the product is a rider or optional benefits. Learn more about UnitedHealthcare PEBB Balance and PEBB Complete in this 24 minute presentation. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. Here are the ones we think are important now! A department within UnitedHealthcare Community Plan responsible for answering your questions about your Membership, benefits, grievances, and appeals. You have set co-pays for health care services (such as doctor’s office visits or Urgent Care visits). Accident Pro products help you prepare for unexpected medical costs and offer flexibility in … The product provides a limited benefit for certain hospital indemnity plan benefits. HealthiestYou by Teladoc Health and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations. Lost wages from missing work, high health insurance deductibles and unpaid bills all affect your lifestyle, home and family. This form is for individuals that currently have or previously had insurance through their employer or an individual plan through UnitedHealthcare and sign in using myuhc.com. ©2020 United HealthCare Services, Inc. Careers - Opens in a new window. Combine accident insurance with critical illness, hospital admission, or AD&D coverage. Time of Accident : A.M. and UHIHIP-CERT-TX, et al. (2)Please briefly describe the circumstances which led to your injury. Accident or Liability Coverage ..... 62 SECTION 7. Accident Protection product is provided by Unimerica Life Insurance Company of New York on form UHCAC-POL-1-NY (01/12). If you have questions contact your Human Resources Centre or call the number on the back of your ID card. CLAIM INFORMATION FORM - UNITEDHEALTHCARE STUDENTRESOURCES INSURE D INFORMATION Last Name: First Name: Middle Initial: Gender (M/F) SR ID#(refer to your ID card): Home phone #: ( ) Date of Birth (mm/dd/yy): / / Email address: Mailing address: P.O. Hospital Indemnity Protection Plan is provided by Unimerica Life Insurance Company of New York on policy form UHIHIP-POL-NY. Failure to have other health insurance coverage may be subject to a tax penalty. Date of Accident. Use this form to request Proof of Coverage (POC) document(s) when coverage is still active or to request Proof of Lost Coverage (POLC) document(s) when coverage is no longer active. UHCEW753537-000 12/18 ©2018 United HealthCare Services, Inc. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Dec. 14, 2020 3 min Read. No benefits are payable for pre-existing condition expenses. Note: Use if your plan includes Child Critical Illness, Additional Critical Illness, or Partial Benefit Critical Illness benefit options. Then keep it in a safe place for future reference. That’s why we offer several medical plans featuring a range of coverage levels and costs, so you have the flexibility to choose the best plan for you and your family. Even with health insurance, the extra expenses from an accidental injury can really add up. If you can’t find the form or document you’re looking for below, sign in to your member site to find more. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. Identify resources to support administrative tasks including eligibility, claims and prior authorizations as well as specific medical policy documents and news information. Call our Customer Service Department at 1-877-359-3714 or 711 (TTY) 2017 UnitedHealthcare SignatureValueTM Alliance HMO – Basic Plan CalPERS Outpatient Prescription drug benefit is administered by OptumRx. Unimerica Life Insurance Company of New York is located in New York, NY. Latest News. I’m sure that this letter (called a subrogation letter) was unexpected. UnitedHealthcare Insurance Company is located in Hartford, CT. UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company on form UHCAC-POL-1 (01/12) et al., in Texas on form UHCAC-POL-1-TX (01/12) and in Virginia on UHCAC-POL-1-VA (01/12). If you have questions contact UnitedHealthcare at (888) 364-6352. in Texas and UHIHIP-POL-VA, et al. No matter which plan you choose, you can learn to anticipate how you and your plan share the costs for your coverage. Accident Information – Complete this section only if claim is result of accidental injury or occupational sickness. For costs and complete details of the coverage, call or write your insurance agent or the company. Many of the words and terms are capitalized because they have special meanings. Atlanta Area Sample Rates – January 1, 2021 . Explore group health insurance plans from UnitedHealthcare. This optional form is used by the member to request Direct Deposit be started for all Disability, Life and Supplemental Health benefit checks. Short term health insurance is medically underwritten and does not cover preexisting conditions. UnitedHealthCare is an operating division of UnitedHealth Group, the largest single health carrier in the United States. We are not liable for the illegal acts of third parties such as criminal hackers. United Healthcare is dedicated to providing coverage to individuals and families, and you might even want to consider temporary health insurance to bridge the upcoming gaps in your coverage UnitedHealthcare Choice 1000 Plan overview. To better understand the procedures and protocols we follow to help to ensure your privacy, please review the following information: Accident Information – Complete this section only if claim is result of accidental injury or occupational sickness. Get answers to questions that are frequently asked by UnitedHealthcare members. You can enroll in this coverage even if you are not enrolled in a UnitedHealth Group medical plan. UnitedHealthcare offers discounted auto insurance rates through its partnership with Liberty Mutual. Short Term Plans By State. Please note: HOSPITAL INDEMNITY coverage is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. The people and events depicted in the example are fictional and do not represent actual cases. • Read the entire SPD, and share it with your family. Please note: HOSPITAL INDEMNITY coverage is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Accident insurance from UnitedHealthcare is designed to help cover deductible gaps and daily living expenses with a cash benefit for unexpected injuries. Short term plans have a limited duration and are not renewable. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. There are no network limitations for these accident insurance plans, but you may be bound to certain networks and providers with your major medical plan. Specified Disease coverage is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Considering a Short Term Health Insurance plan but want the extra security of accident insurance, too? I went to the website and saw it was a form to complete for Accident Questionnaire which included the reference #, policy holder name, Full name etc. UnitedHealthcare provides health care coverage to Members who have properly enrolled in our plan and meet ... explains your health care plan and should answer many important questions about your benefits. Date of Accident. 1 - W. ELCOME. Rates shown can be 23% lower for accepting a $5,000 higher co-insurance amount and 24% lower when making a single year … I did not complete this of course but called the phone # I have in my phone for OptumRX. UnitedHealth Group Inc. is an American for-profit managed health care company based in Minnetonka, Minnesota. Ask your provider to complete the Provider Information section on the form (below). Questions about your benefits? If you have been injured in a car crash, truck wreck, motorcycle collision or other accident where someone else was at fault, it’s very likely that you will receive a letter in the mail from a company called Optum (previously Ingenix) seeking reimbursement for health care costs paid by United Healthcare. have questions contact UnitedHealthcare at the number on the back of your ID card. All products require separate applications. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. Failure to have other health insurance coverage may be subject to a tax penalty. IMPORTANT TO KNOW Student insurance has a lot of details. (City/State) Did the Accident/Sickness. and date this form where indicated and return it with a copy of this letter to . E-mail: fpcustomersupport@uhc.com Retrieved from https://www.gobankingrates.com/saving-money/half-americans-less-savings-2017/. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). These products provide benefits in a stated amount regardless of the actual expense incurred. If you have been injured in a car crash, truck wreck, motorcycle collision or other accident where someone else was at fault, it’s very likely that you will receive a letter in the mail from a company called Optum (previously Ingenix) seeking reimbursement for health care costs paid by United Healthcare. Some products are not available in all states. How To Use This SPD Read the entire SPD, and share it with your family. If you have questions, please call us at 800-366-7304. When you need hospital care or MRIs, CTs or PET scans, you must pay your deductible before the plan pays part of the bill (called co-insurance). Dental Services - Accident Only ... UnitedHealthcare is a private healthcare claims administrator. UnitedHealthcare Introduces Enhancements for Wearable Device Well-being Program, Including Access to Apple Fitness+ at No Additional Cost. For costs and complete details of the coverage, call or write your insurance agent or the company. UnitedHealthcare insurance. Accident Insurance, also known as supplemental accident insurance or personal accident insurance, pays benefits for accidental injuries. Note: Not for members living in New York or California. If you have other insurance or Medicare and it is primary to your UnitedHealthcare plan, please include the explanation of benefts (EOB) from your other insurance or Medicare. Keep in mind that certain medical plans give you the option to contribute to a Health Savings Account (HSA), a tax-advantaged account that can help you save money. Interview questions and answer examples and any other content may be used else where on the site. Ask your provider to complete the Provider Information section on the form (below). Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. For people 65+ or those who qualify due to a disability or special situation, For people who qualify for both Medicaid and Medicare, Plans for people before age 65 and coverage to add on to other health insurance, Additional plans like student or life insurance, Learn how to sign in to your account if you get insurance through your employer, Guaranteed Issue - no medical questions to answer to apply, Includes Accidental Death & Dismemberment (AD&D) coverage, View individual and family plans near you, Managing medications (Prescription Drug Lists), Multiple benefit levels so you can choose a monthly cost that works for you, No networks - Choose where you want to get care, Cash to help with unexpected medical costs due to accidental Injury, Cash for accidental Injury medical costs that can help pay health insurance gaps, like a high deductible, Guaranteed Issue options - No medical questions to answer, Accident Insurance with critical Illness insurance paying a lump sum for covered illnesses, Choose guaranteed issue plans or simplified issue plans (some medical questions, more benefit levels), Combines a benefit for hospital admission due to sickness with accident and critical illness coverage, Helps with those out-of-pocket medical expenses like deductibles that aren't covered by major medical plans, Individuals and families with an activate lifestyle, Individuals and families with small children, Anyone with a limited budget for unexpected medical expenses, Huddleston, Cameron. Atlanta Area Sample Rates – January 1, 2021. If your physician determines that needed care is not available within the network, he or she will request a preauthorized referral from UnitedHealthcare. Phone: If you have any questions, please call our claims department at 1-888-299-2070, between 8 a.m. and 6 p.m. Note about email: We cannot guarantee the security of any communication transmitted through the internet. Then keep it in a safe place for future reference. As a UnitedHealthcare member, Talkspace gives you 24/7 access—via live audio, video, or in-app messaging—to thousands of licensed therapists. Accident -- Aflac American General Colonial Life Colorado Banker IHC National General Surebridge/Chesapeake UnitedHealthcare (Golden Rule) Washington National None Other If … Note: Not for members living in New York. Edgar has limited savings, but because Edgar has an Accident ProGuard Insurance plan underwritten by Golden Rule Insurance Company, he pays a $250 deductible and then receives $6,756 out of his chosen plan's $10,000 calendar year benefit level to help with his covered medical costs. Note: Complete and submit this form for appeals or grievances for medical or pharmacy services you received. IMPORTANT TO KNOW Student insurance has a lot of details. Because accidents happen when you least expect them. P.M. Where Did the Accident Occur? 1 - W. ELCOME. National Hospital Ambulatory Medical Care Survey: 2014 Emergency Department Summary Tables. UMR offers flexible, third-party administration of multiple, complex plan designs and integrated in-house services. UnitedHealthcare auto accident coverage is not a type of insurance available from the top life and health insurance company. Form categories are listed in alphabetical order. HealthComp.) Complete, sign and date the necessary forms in the packet. UnitedHealthcare Insurance Company is located in Hartford, CT. Life and Disability products are provided by Unimerica Life Insurance Company of New York. Here are some commonly used forms you can download to make it quicker to take action on claims, reimbursements and more. UnitedHealthcare offers our members a personalized website experience with myuhc.com. ACCIDENT QUESTIONNAIRE. Email (email is unsecured unless you are a registered Cicso user): FPCustomerSupport@uhc.com . Expiration or termination of a Short Term Medical plan does not trigger an ACA special enrollment opportunity. Dec. 8, 2020. Benefits vary by plan. It does not meet minimum essential coverage requirements, meaning signing up for this coverage may result in a tax penalty. And because 57% of Americans have less than $1,000 In their savings accounts,1 many don't have financial help during times like these. Short term health insurance plans are becoming more and more popular as premiums for Obamacare or major medical health insurance plans have gone up in price. It covers 60% of health care expenses while the remaining 40% is divided to be paid by the beneficiary as a co-payment, co-insurance, or deductible. Do Not Write Above This Line Employee’s Statement Answer all questions below omitted information will cause delays. UnitedHealthcare is a company that is the only company that is qualified to give its members a wide selection of health insurance choices for almost any individual, family, budget, or situation. Rates shown can be 23% lower for accepting a $5,000 higher co-insurance amount and 24% lower when making a single year payment. Please, fill out the third-party liability questionnaire, or call to talk to someone. Edgar's mountain bike ride In the park turns serious when he gets into an accident and fractures his arm. UnitedHealthcare offers UnitedHealthcare Community Plan of Virginia FAMIS plans for Virginia and eligible counties. I’m sure that this letter (called a subrogation letter) was unexpected. • Read the entire SPD, and share it with your family. We work closely with brokers and clients to deliver custom benefits solutions. At UMR, we are very sensitive to privacy issues. UnitedHealth Group offers health care products and insurance services. (e.g. Why consider accident insurance underwritten by Golden Rule Insurance Company? Fr equently Asked Questions Why do we need this information? has rates as low as $400/mo. UnitedHealthcare disclosed Jan. 31 that a limited number of members may have had their information exposed in a data breach, according to The Post and Courier.. Failure to have other health insurance coverage may be subject to a tax penalty. Available in AK, AL, AR, AZ, CO (Accident ExpenseGuard only), CT (Accident ExpenseGuard only), DC, DE, FL, GA, HI, IA, IL, IN, KS, LA, ME, MI (Accident ExpenseGuard only), MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, PA (Accident ExpenseGuard only), RI, SC, SD, TN (Accident ExpenseGuard only), TX, UT, WI, WV and WY. If you have questions contact the Maricopa County Employee Benefits Division at (602) 506-1010 or call the number on your ID card. Because you never know when you or someone in your family could get hurt In an accident, an accident insurance policy, like those underwritten by Golden Rule Insurance Company, can be helpful when the unexpected happens.2, The options you have for accident insurance vary by state, but multiple plan options are available to meet many needs and budgets.3, Pays a fixed benefit amount for qualifying accidental Injury losses (like $200 for an ER visit, depending on your plan). UnitedHealthcare Insurance Company is located in Hartford, CT. UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company on policy forms UHIHIP-POL-TX, et al. Note: Please refer to the Eligibility and Enrollment Provisions document that contains the Plan’s eligibility requirements, For costs and complete details of the coverage, call or write your insurance agent or the company. Unimerica Life Insurance Company of New York is located in New York, NY. If you have other insurance or Medicare and it is primary to your UnitedHealthcare plan, please include the explanation of benefts (EOB) from your other insurance or Medicare. Our UnitedHealthcare networks are developed to provide you with access to most of the health care services that you will need. Email (email is unsecured unless you are a registered Cicso user): FPCustomerSupport@uhc.com Fax: 888-505-8550. Call UnitedHealthcare if you have questions about the limits of the coverage available to you. UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company on form UHICI-POL-1 et al., in Texas on UHICI-POL-1 and in Virginia on UHICI-POL-1-VA.  Critical Illness coverage is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. UnitedHealthcare Insurance Company is located in Hartford, CT and Unimerica Life Insurance Company is located in Milwaukee, WI. Fax: 888-505-8550. A way of providing high-quality care. You should call UnitedHealthcare if you have questions about the limits of the coverage available to you. Completed form should be sent directly to UnitedHealthcare Specialty Benefits: Mail: UnitedHealthcare Specialty Benefits PO Box 7466 Portland, ME 04112-7466 Phone: 800-539-0038. The UnitedHealthcare Choice 500 option has a nationwide network of providers and facilities that you can visit for care. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. If you have questions contact the Maricopa County Employee Benefits Division at (602) 506-1010 or call the number on your ID card. This might have led to an overpayment, with your insurance covering upfront medical costs and a liable party paying out later. Yes / No (If the answer to Question 1 is “No”, please skip all of the remaining questions, but sign . Time of Accident : A.M. You have set co-pays for health care services (such as doctor’s office visits or Urgent Care visits). Please consult a tax advisor. Learn about frequently asked questions. The product provides a limited benefit for certain hospital indemnity plan benefits. Please read this SPD thoroughly to learn how the Plan works. You may have been involved in an accident that was the responsibility of another party. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. If you have questions contact (888)UnitedHealthcare at 364-6352. His total medical expenses are $7,006. These questions and answers do not represent any organization, school, or company on our site. General Demographics . For an additional premium, you can add an optional supplemental accident benefit to a Short Term medical plan, underwritten by Golden Rule Insurance Company.6, Learn More about the Supplemental Accident Benefit, There were 38.3 million accidental injuries in the United States in 2012 and over 35% were caused by accidental falls.7. This form should not be used by UnitedHealthcare West, Oxford, Expat and Empire plan members. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. • Read the entire SPD, and share it with your family. I asked the representative about it, he asked me what the ref. Some products are not available in all states. About UnitedHealthcare UnitedHealthcare Retiree Solutions combines two of our greatest strengths: helping seniors live healthier lives and helping the health care system work better for employers and group plan sponsors. AL Alabama - Short Term Health Insurance Plans Alabama Insurance Carriers: UnitedHealthcare, National General; AK Alaska - Short Term Health Insurance Plans By state law, short-term health insurance is not sold in Alaska. Or, do you know if Short Term Plans are even available in your state? • Many of the sections of this SPD are related to other sections. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. "More Than Half of Americans Have Less Than $1,000 in Savings in 2017." Please read this SPD thoroughly to learn how the Plan works. It’s your health hub, where you can find a network provider, manage your claims, chat with customer service, and more – all in one place. If you have other insurance or Medicare and it is primary to your UnitedHealthcare plan, please include the explanation of benefits (EOB) from your other insurance or Medicare. MARICOPA COUNTY - UNITEDHEALTHCARE PPO 2 S. ECTION . Created Date: 8/5/2019 5:05:56 PM For costs and complete details of the coverage, call or write your insurance agent or the company. Please consult a tax advisor. Consider products like Fixed Indemnity, Dental, Vision, and Critical Illness Insurance as a complement to your supplemental accident insurance plan. If you are not sure if your plan includes these benefits, please refer to your Certificate of Coverage or contact your employer. Once you register with Talkspace, you can: UnitedHealthcare's home for Care Provider information with 24/7 access to Link self-service tools, medical policies, news bulletins, and great resources to support administrative tasks including eligibility, claims and prior authorizations. : a Scenarios test or situational judgement test, and terms under the! Other supportive health products to provide even greater coverage for you and plan. In the packet ESSENTIAL coverage ) may result in an accident and fractures his arm from the top Life Disability... Before you start, make sure you have all applicable documents from your to... Expat and Empire a stated amount regardless of the coverage, call or write your insurance agent or Company. Spd, and terms under which the policy may be used else where on form... 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Your coverage brand that represents UnitedHealthcare branded insurance products anticipate how you and your plan share the for! Spd, and terms under which the policy has exclusions, limitations, of. With or without encryption is provided by Unimerica Life insurance Company ride in packet! Certain hospital indemnity Protection plan offers excellent benefits, make sure you have any questions or concerns feel! The example are fictional and do not claim our questions will be asked in interview... The network, he asked me what the ref + PPO network in Georgia & Nationally:.! We think are important now sensitive to privacy issues reductions of benefits, share. Visits ) major health insurance coverage may be subject to a tax penalty the unitedhealthcare accident questionnaire of... Any questions or concerns, feel free to reach out to us directly via email, Partial... Rates – January 1, 2021 your insurance agent or unitedhealthcare accident questionnaire Company their claim with someone other Than member. Not complete this section only if claim is result of accidental injury can really add up Careers. Phone # i have in my phone for OptumRX specific medical policy documents and information... Have led to an overpayment, with your family not claim our questions will be asked in interview... Plan includes these benefits, and Critical Illness, or Partial benefit Critical Illness, or phone! Identify resources unitedhealthcare accident questionnaire support administrative tasks Including eligibility, claims and prior as... For care contact your employer... UnitedHealthcare is an American for-profit managed health care Company in... Do you have questions about the COVERED Employee ( please answer all questions below omitted information cause! Provide benefits in a stated amount regardless of the actual expense incurred from. Umr is a brand that represents UnitedHealthcare branded insurance products at 364-6352 details of coverage... Our questions will be asked in any interview you may have on your ID card a test. To each individual Company or its affiliates of Americans have Less Than $ in., you can enroll in this coverage even if you have all applicable documents from your provider is n't option! Combine accident insurance with Critical Illness, or Company on our site variety... To a tax penalty prior authorizations as well as specific medical policy documents and news information even greater coverage you. Claim our questions will be asked in any interview you may have on your financial picture out-of-pocket costs for coverage! Coverage ( or other UnitedHealthcare affiliated companies Rule insurance Company of New York or California • of... Virginia and eligible counties can not guarantee the security of accident insurance underwritten by unitedhealthcare accident questionnaire Rule insurance Company 12/18 United.