Accident and Critical Illness Insurance
Plans from Allstate Health Solutions and UnitedHealthOne that pay cash to you after an accident or a serious diagnosis. See your price and enroll online.
- Cash paid directly to you, to use any way you choose
- Plans with no health questions, and no network of doctors
- Accident Fixed-Benefit from $10.54 to $29.83 a month for one person
We will help you shop and compare options
Book a complimentary consultation with a licensed agent to help you understand your options and find the right plan.
Book a consultationQuestions? Text (949) 506-2746
The short version
- Accident
- Cash for each covered injury, up to $25,000 per accident: $250 for an emergency room visit, $1,500 for a broken arm or leg, $3,000 for an air ambulance. Other plans pay $1,000 or more for an emergency room visit, or pay your accident medical bills.
- Critical illness
- A lump sum of $2,500 to $100,000 on the diagnosis of a covered illness, such as a heart attack, stroke or invasive cancer.
- How it is paid
- Directly to you. Use it for a deductible, medical bills, rent or time off work.
- Doctors
- Any doctor or hospital. There is no network.
- Health questions
- None on most plans. A few on the largest critical illness amounts.
- When you can buy
- Any month of the year. Coverage can start as soon as the day after you enroll.
- Price
- Accident plans cost the same at any age. Critical illness plans from UnitedHealthOne cost less the younger you are.
- Where
- Arizona, California, Delaware, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas.
Compare the plans
12 plans from Allstate Health Solutions and UnitedHealthOne, in four groups. Every plan pays you, not the doctor or hospital, and works alongside any health plan.
Cash for each injury
A set amount for each covered injury or treatment.
| Plan | What it pays | The most it pays | Health questions | One person, a month | Ages |
|---|---|---|---|---|---|
| Accident Fixed-BenefitAllstate Health Solutions | A set cash amount for each covered injury and service. | Up to $15,000 per accident for treatment and $10,000 for specific injuries, plus $50,000 for accidental death or dismemberment. | None | $10.54 to $29.83 | 18 through 70 |
| AccidentWiseUnitedHealthOne | A set cash amount for each treatment: $1,000 to $2,000 for an emergency room visit, $200 to $400 for urgent care. | $10,000, $15,000 or $20,000 for a hospital admission, depending on the level you pick. | None | $14.69 to $44.20Three levels | 18 through 75 (18 through 64 in California) |
Your accident medical bills
Your bills from a covered accident, up to the level you pick.
| Plan | What it pays | The most it pays | Health questions | One person, a month | Ages |
|---|---|---|---|---|---|
| Plan EnhancerAllstate Health Solutions | Your accident medical bills. The deductible is $0 or $250, depending on your state. | $2,500 to $35,000 per accident, depending on your state. | None | $3.35 to $21.08$2,500 level | 18 to 64 |
| Accident ExpenseGuardUnitedHealthOne | Your accident medical bills after a $250 deductible. No deductible in California. | $5,000 to $20,000 a year, plus the same amount for accidental death or dismemberment. | None | $6.35 to $26.04$5,000 level | 18 to 64 |
Accident and critical illness in one plan
Accident bills and a lump sum for a serious diagnosis, together.
| Plan | What it pays | The most it pays | Health questions | One person, a month | Ages |
|---|---|---|---|---|---|
| TrioMEDAllstate Health Solutions | Accident medical bills after a $250 deductible, a lump sum for a critical illness, and accidental death or dismemberment. | $2,500 to $30,000 for a critical illness. $2,500 to $10,000 per accident. | None | $35.45 to $89.26 | 18 to 64 |
| Accident ProGapUnitedHealthOne | Accident medical bills after a $250 deductible, a lump sum for a critical illness, $2,500 for a hospital admission for sickness, and accidental death or dismemberment. | $2,500, $5,000 or $10,000 a year for accidents, and the same amount for a critical illness. | None | $5.91 to $24.22Age 40, $2,500 level | 18 to 64 |
| Accident ProGuard GIUnitedHealthOne | Accident medical bills after a $250 deductible, a lump sum for a critical illness, and accidental death or dismemberment. | $5,000 or $7,500 a year for accidents, and the same amount for a critical illness. | None | $7.30 to $29.93Age 40, $5,000 level | 18 to 64 |
| Accident ProGuardUnitedHealthOne | Accident medical bills after a $250 deductible, a lump sum for a critical illness, and accidental death or dismemberment. | $5,000 or $10,000 a year for accidents and $10,000, $30,000 or $50,000 for a critical illness. | A few | $7.83 to $32.07Age 40, $5,000 with $10,000 | 18 to 64 |
Critical illness on its own
A lump sum paid to you on the diagnosis.
| Plan | What it pays | The most it pays | Health questions | One person, a month | Ages |
|---|---|---|---|---|---|
| CriticalGuard Critical IllnessUnitedHealthOne | A lump sum for invasive cancer, a heart attack, a stroke, kidney failure, a major organ transplant, ALS, advanced Alzheimer's disease or a coma. | $5,000 to $100,000, in steps of $5,000 ($10,000 to $100,000 in California). | None for $5,000 or $10,000. A few for larger amounts. | $8.38 to $9.42Age 40, $10,000 | 18 through 90 (18 through 64 in California) |
| CriticalGuard CancerUnitedHealthOne | A lump sum for invasive cancer. Cancer in situ or a benign brain tumor pays 25%. | $50,000 to $100,000 under age 50. $10,000 to $100,000 from age 50. | A few. None for $10,000 from age 50. | $12.60 to $13.90Age 40, $50,000 | 18 through 90 (18 through 64 in California) |
| CriticalGuard Heart/StrokeUnitedHealthOne | A lump sum for a heart attack or a stroke. Other heart illness pays 25%. | $50,000 to $100,000 under age 50. $10,000 to $100,000 from age 50. | A few. None for $10,000 from age 50. | $17.88 to $19.98Age 40, $50,000 | 18 through 90 (18 through 64 in California) |
| CriticalGuard Cancer + Heart/StrokeUnitedHealthOne | A lump sum for invasive cancer, a heart attack or a stroke. | $50,000 to $100,000 under age 50. $10,000 to $100,000 from age 50. | A few. None for $10,000 from age 50. | $29.02 to $32.27Age 40, $50,000 | 18 through 90 (18 through 64 in California) |
Prices depend on your state. Age changes the price only where an age is shown. Children are covered through age 25. TrioMED is not sold in Delaware. Accident ProGap, Accident ProGuard and Accident ProGuard GI are not sold in Michigan. Allstate Health Solutions plans are underwritten by National Health Insurance Company (Integon Indemnity Corporation in Florida). UnitedHealthOne plans are underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. These plans add to health insurance. They are not health insurance and do not count as minimum essential coverage. Allstate Health Solutions prices checked October 12, 2026. UnitedHealthOne prices checked November 12, 2026.
What an accident pays
Accident Fixed-Benefit, from Allstate Health Solutions
A set amount for each covered injury and service. No deductible.
| What happens | You are paid |
|---|---|
| Emergency room visit | $250 |
| Hospital stay | $750 a day, up to 30 days |
| Broken hip, neck or skull | $2,500 |
| Broken thigh, lower leg, upper arm or forearm | $1,500 |
| Broken wrist, hand, foot, elbow or collarbone | $1,000 |
| Dislocated hip, knee, wrist, elbow or ankle | $500 |
| Outpatient surgery | $250 a visit, up to 5 visits |
| Doctor visit | $50 a visit, up to 8 visits |
| Ground ambulance | $200 a trip, up to 2 trips |
| Air ambulance | $3,000 |
| The most it pays for treatment, per accident | $15,000 |
| The most it pays for specific injuries, per accident | $10,000 |
| Accidental death or dismemberment | Up to $50,000 |
| State | One person | Family |
|---|---|---|
| Arizona, California, Delaware, Louisiana, Michigan and Texas | $25.73 | $85.53 |
| Florida and Georgia | $29.83 | $89.63 |
| North Carolina | $10.54 | $35.04 |
| Ohio | $25.54 | $75.37 |
| South Carolina | $23.39 | $77.75 |
AccidentWise, from UnitedHealthOne
A set amount for each treatment after an accident, in three levels. No deductible.
| What happens | Plan 10000 | Plan 15000 | Plan 20000 |
|---|---|---|---|
| Hospital admission | $10,000 | $15,000 | $20,000 |
| Emergency room visit | $1,000 | $1,500 | $2,000 |
| Urgent care visit | $200 | $300 | $400 |
| CT scan, MRI or EEG | $1,000 | $1,500 | $2,000 |
| Outpatient surgery | $1,000 | $1,500 | $2,000 |
| Follow-up visit or physical therapy, up to 5 visits each | $100 a visit | $150 a visit | $200 a visit |
| Accidental loss of life, limb or sight | $10,000 | $15,000 | $20,000 |
| One person, a month | $15.46 | $28.17 | $44.20 |
| One person, a month, California | $14.69 | $26.74 | $41.93 |
| State | AccidentWise Plan 10000 | Accident ExpenseGuard, $5,000 |
|---|---|---|
| Arizona, Ohio and South Carolina | $15.46 | $23.67 |
| California | $14.69 | $14.39 |
| Delaware, Georgia, Louisiana, Michigan and Texas | $15.46 | $26.04 |
| Florida | $15.46 | $6.35 |
| North Carolina | $15.46 | $7.94 |
UnitedHealthOne accident prices are per person, a month. Each person on the plan, adult or child, costs the same.
What a critical illness pays
TrioMED, from Allstate Health Solutions
A lump sum on the first diagnosis in each of three groups of illness, so it can pay up to three times. It also pays accident medical bills.
| Critical illness benefit | Accident benefit | One person | Family |
|---|---|---|---|
| $2,500 | $2,500 | $36.16 | $57.53 |
| $5,000 | $5,000 | $42.45 | $71.51 |
| $10,000 | $10,000 | $52.69 | $92.55 |
| $15,000 | $5,000 | $55.74 | $91.73 |
| $30,000 | $5,000 | $75.67 | $122.06 |
| Group | What is covered |
|---|---|
| Heart | Heart attack, stroke or a heart transplant pays the full benefit. Bypass or heart valve surgery pays 25%. |
| Cancer | Invasive cancer pays the full benefit after the first 90 days of coverage. Cancer in situ pays 25%. |
| Other serious illness | Kidney failure, a major organ transplant, advanced Alzheimer's disease, coma, ALS, paralysis or severe burns pays the full benefit. |
Prices are a month, in every state where we sell TrioMED except Ohio, where one person pays $35.45 to $89.26.
CriticalGuard, from UnitedHealthOne
A lump sum of $5,000 to $100,000, paid to you on the diagnosis. Pick all critical illnesses, cancer, heart and stroke, or cancer with heart and stroke.
| Plan and amount | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| CriticalGuard Critical Illness, $10,000Arizona, Florida, Michigan, North Carolina, Ohio and South Carolina | $5.37 | $8.63 | $18.18 | $36.25 |
| CriticalGuard Critical Illness, $10,000Delaware, Georgia, Louisiana and Texas | $5.86 | $9.42 | $19.84 | $39.55 |
| CriticalGuard Critical Illness, $10,000California | $5.16 | $8.38 | $17.70 | $35.04 |
| CriticalGuard Cancer, $50,000Arizona, Florida, Michigan, North Carolina, Ohio and South Carolina | $7.43 | $12.73 | $30.18 | $58.26 |
| CriticalGuard Cancer, $50,000Delaware, Georgia, Louisiana and Texas | $8.11 | $13.90 | $32.95 | $63.60 |
| CriticalGuard Cancer, $50,000California | $7.39 | $12.60 | $29.94 | $57.77 |
| CriticalGuard Heart/Stroke, $50,000Arizona, Florida, Michigan, North Carolina, Ohio and South Carolina | $12.00 | $18.32 | $39.06 | $73.95 |
| CriticalGuard Heart/Stroke, $50,000Delaware, Georgia, Louisiana and Texas | $13.09 | $19.98 | $42.61 | $80.67 |
| CriticalGuard Heart/Stroke, $50,000California | $11.71 | $17.88 | $38.10 | $72.12 |
| CriticalGuard Cancer + Heart/Stroke, $50,000Arizona, Florida, Michigan, North Carolina, Ohio and South Carolina | $18.71 | $29.44 | $66.23 | $127.44 |
| CriticalGuard Cancer + Heart/Stroke, $50,000Delaware, Georgia, Louisiana and Texas | $20.51 | $32.27 | $72.61 | $139.71 |
| CriticalGuard Cancer + Heart/Stroke, $50,000California | $18.44 | $29.02 | $65.36 | $125.72 |
One adult, a month. Gender and tobacco use do not change the price. Benefits start after the first 30 days of coverage.
Accident with critical illness, from UnitedHealthOne
Three plans that pay accident medical bills and a lump sum for a critical illness.
| State | ProGap, $2,500 | ProGuard GI, $5,000 | ProGuard, $5,000 with $10,000 |
|---|---|---|---|
| Arizona, Ohio and South Carolina | $22.02 | $27.21 | $29.15 |
| California | $16.56 | $17.93 | $19.87 |
| Delaware, Georgia, Louisiana and Texas | $24.22 | $29.93 | $32.07 |
| Florida | $5.91 | $7.30 | $7.83 |
| North Carolina | $7.39 | $9.13 | $9.78 |
One man, age 40, who does not use tobacco, a month. These three plans cost less at younger ages and more at older ages, and the price also changes with gender and tobacco use.
How to enroll
Enter your ZIP code
Add a few quick details and your plans open right away.
Compare the plans
See the Allstate Health Solutions plans with the prices for your state and your household. For a UnitedHealthOne plan, text us and we send your quote.
Enroll online
Pick a plan and finish online. Or text us and a licensed broker will do it with you.
Who buys these plans
A health plan pays the doctor and the hospital. These plans pay you, so the deductible and the bills at home are covered too.
We set these plans up for families and individuals with a high deductible on their health plan, self-employed people and freelancers whose income stops when they cannot work, people who work with their hands, active families, people in their 40s, 50s and 60s who want a cushion for a serious diagnosis and people on a short-term health plan.
Questions people ask
What is accident insurance?
A plan that pays cash to you when you are hurt in a covered accident. Accident Fixed-Benefit pays a set amount for each injury, for example $250 for an emergency room visit and $2,500 for a broken hip. AccidentWise pays $1,000 to $2,000 for an emergency room visit and $10,000 to $20,000 for a hospital admission. Plan Enhancer and Accident ExpenseGuard pay your accident medical bills, up to the level you pick.
What is critical illness insurance?
A plan that pays you a lump sum on the diagnosis of a covered illness, such as a heart attack, stroke or invasive cancer. TrioMED pays $2,500 to $30,000. CriticalGuard pays $5,000 to $100,000.
How much does it cost?
For one person, a month: Accident Fixed-Benefit is $10.54 to $29.83 depending on your state. AccidentWise is $15.46, $28.17 or $44.20 depending on the level ($14.69, $26.74 or $41.93 in California). TrioMED is $35.45 to $89.26. A $10,000 CriticalGuard Critical Illness plan is $8.38 to $9.42 at age 40. Accident plans cost the same at any age. CriticalGuard and the UnitedHealthOne plans that combine accident and critical illness cost less the younger you are.
Do I have to answer health questions?
Not on most plans. The Allstate Health Solutions plans, AccidentWise, Accident ExpenseGuard, Accident ProGap and Accident ProGuard GI ask none. CriticalGuard asks none for $5,000 or $10,000 of Critical Illness coverage. Larger CriticalGuard amounts and Accident ProGuard ask a few.
Can I have this with my health plan?
Yes. These plans work alongside any health plan, whether it is from the Marketplace, an employer or a short-term plan, and they pay in addition to it. They are not health insurance and do not replace it.
How is the money paid?
Directly to you. You can use it for a deductible, medical bills, rent, groceries or time off work.
Which doctors and hospitals can I use?
Any. These plans have no network.
Is there a waiting period?
Accident benefits start on the day your coverage starts. On TrioMED, cancer pays the full benefit after the first 90 days of coverage. On CriticalGuard and the UnitedHealthOne plans that include critical illness, critical illness benefits start after the first 30 days.
Which illnesses do the critical illness plans cover?
TrioMED covers three groups. Heart: heart attack, stroke, heart transplant, bypass surgery and heart valve surgery. Cancer: invasive cancer and cancer in situ. Other serious illness: kidney failure, major organ transplant, advanced Alzheimer's disease, coma, ALS, paralysis and severe burns. It pays once in each group, so up to three times. CriticalGuard Critical Illness covers invasive cancer, heart attack, stroke, kidney failure, major organ transplant, ALS, advanced Alzheimer's disease and coma. CriticalGuard also comes as a cancer plan, a heart and stroke plan, or both together.
What ages can buy these plans?
Accident Fixed-Benefit covers adults 18 through 70. AccidentWise covers adults 18 through 75 (18 through 64 in California). CriticalGuard covers adults 18 through 90 (18 through 64 in California). The other plans cover adults 18 to 64. Children are covered through age 25.
When can I enroll?
Any month of the year. There is no enrollment period to wait for. Coverage can start as soon as the day after you enroll.
How do I enroll?
Enter your ZIP code at the top of this page to see the Allstate Health Solutions plans and enroll online. For a UnitedHealthOne plan, text us at (949) 506-2746 and a licensed broker sends your quote.
Which states do you sell these plans in?
The 11 states where we are licensed: Arizona, California, Delaware, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas. TrioMED is not sold in Delaware. Accident ProGap, Accident ProGuard and Accident ProGuard GI are not sold in Michigan.
Who are the plans from?
Allstate Health Solutions and UnitedHealthOne. The Allstate Health Solutions plans are underwritten by National Health Insurance Company (Integon Indemnity Corporation in Florida). The UnitedHealthOne plans are underwritten by Golden Rule Insurance Company, a UnitedHealthcare company.
What does your help cost?
Nothing. The insurance company pays us. The insurance company also sets the price, so you pay the same with us as you would anywhere else.
Licensed in 11 states
Arizona, California, Delaware, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, South Carolina and Texas.
Elite Circle of Champions
Recognized by the federal Health Insurance Marketplace (CMS) in 2024, 2025 and 2026.
Marketplace-registered broker
State licensed and registered with the federal Health Insurance Marketplace. Listed in HealthCare.gov's Find Local Help directory.
Our help costs $0
Insurance companies pay us. A plan costs the same with us as it does on your own.
Douglas Curl, Principal Broker. Licensed since 2007. National Producer Number 9893707. Agency National Producer Number 21297200.