Smarter Health Protection
Built Around Real Life
Health care costs can happen when you least expect them. A doctor visit, urgent care trip, prescription, dental appointment, vision exam, or deductible can quickly become stressful when you do not have a clear plan.
Unified Coverage helps customers organize health-related protection, track available credits, manage care costs, and prepare for future out-of-pocket expenses through one connected platform.
Health protection should be easier to understand, easier to manage, and easier to use when you need it most.
What Is Health Protection?
Health Protection through Unified Coverage is designed to help customers manage health-related coverage, care costs, wellness credits, deductible support, and emergency care planning in one place.
Unified Coverage may help customers organize:
The goal is to help customers feel more prepared before care is needed.
Why Health Protection Matters
Health care should not be confusing.
Many customers deal with:
Unified Coverage helps bring these pieces together in one simple dashboard. Instead of waiting until a bill arrives, customers can plan ahead, track available credits, and understand what support may be available.
What Health Protection May Help With
Doctor Visits
Track care needs, appointment costs, and available credits that may help reduce eligible out-of-pocket expenses.
Urgent Care
Prepare for unexpected care needs with wallet tracking, emergency support planning, and approved credit use where available.
Preventive Care
Stay on top of annual checkups, screenings, wellness visits, dental cleanings, vision exams, and routine care.
Prescriptions
Organize prescription-related costs and explore support options that may help lower eligible expenses.
Dental and Vision
Manage dental cleanings, exams, procedures, vision appointments, glasses, contacts, and other related care needs.
Deductibles
Track deductible goals and see how available credits or wallet balances may help with eligible costs.
Out-of-Pocket Costs
Get a clearer view of copays, coinsurance, bills, care expenses, and possible future costs.
Wellness Rewards
Earn potential credits for healthy habits, preventive care, wellness activity, and responsible health choices.
How It Works
Create Your Health Protection Profile
Start by telling Unified Coverage about your health protection needs.
You may include:
This helps build a clearer picture of your health protection situation.
Connect or Explore Coverage Options
Unified Coverage is designed to help customers organize existing health-related coverage or explore available options through licensed partners where applicable.
This may include:
Unified Coverage helps organize these options so customers can make more informed decisions.
Track Health Credits in Your Unified Wallet
Customers may be able to earn approved credits for health-related actions.
Credits may be earned for:
Credits are tracked inside the Unified Wallet, giving customers a clear view of the value they are building.
Explore the Unified WalletUse Credits Toward Eligible Health Costs
When eligible, health credits or wallet balances may help reduce approved out-of-pocket costs.
Credits may help with:
Credit use depends on program terms, partner approval, policy rules, eligibility, and applicable law.
See How Credits Work
The Health Wallet Experience
Your Unified Wallet gives you one place to track health-related credits, balances, and care support.
The wallet is designed to help customers prepare for health costs before they happen.
Ways to Earn Health Credits
Preventive Care Credits
Earn potential credits for completing annual checkups, screenings, dental cleanings, vision exams, or other preventive care activities.
Wellness Activity Credits
Earn potential credits for approved healthy habits, fitness participation, nutrition programs, wellness goals, or health education.
Responsible Payment Credits
Earn potential credits for keeping your account active, paying on time, and maintaining consistent protection.
Family Wellness Credits
Families may be able to track wellness activity, preventive care, and eligible credits for multiple members in one shared dashboard.
Partner Health Credits
Unified Coverage may work with approved health, wellness, dental, vision, prescription, or care partners to offer additional credit opportunities.
Example: Health Protection in Action
Meet Jordan
Jordan has a high-deductible health plan, dental visits twice a year, monthly prescriptions, and occasional urgent care needs.
Before Unified Coverage, Jordan had:
With Unified Coverage, Jordan can:
Unified Coverage helps Jordan feel more organized, prepared, and in control.
Health Protection Features
Health Coverage Dashboard
View health-related protection, care costs, credits, and balances in one place.
Deductible Tracker
Track deductible progress and plan for future out-of-pocket costs.
Preventive Care Reminders
Stay organized with checkups, cleanings, exams, and wellness activities.
Wellness Credit Tracker
See potential credits earned from healthy habits and preventive care.
Prescription Support View
Organize prescription needs, costs, and possible support options.
Dental and Vision Management
Track dental and vision coverage, appointments, and related costs.
Emergency Care Planning
Prepare for urgent care or unexpected medical expenses.
Family Health Profiles
Manage health-related protection and credit activity for multiple family members.
Who Health Protection Is For
If health costs feel confusing or unpredictable, Unified Coverage is built to help simplify the experience.
Why Unified Coverage Is Different
Traditional health coverage can be hard to understand and even harder to manage. Unified Coverage helps customers organize health protection, credits, rewards, deductibles, and balances in one place.
Unified Coverage is not just about having coverage. It is about making health protection easier to manage.
Health Protection + Unified Wallet
Health Protection works best when connected to the Unified Wallet.
The Unified Wallet helps customers:
This gives customers a clearer way to prepare for health-related expenses.
Get a Health Quote
Ready to start organizing your health protection? Unified Coverage can help you review your health-related needs, explore available protection options, track credit opportunities, and prepare your Unified Wallet.
Tell us what matters most, and we'll help you build around it.
Frequently Asked Questions
Is Unified Coverage health insurance?
Unified Coverage is designed as a protection management platform, insurance access platform, rewards wallet, and service coordination system. Health insurance products may be offered through licensed insurance carriers and licensed producers where applicable.
Can I use Unified Coverage with my current health insurance?
Yes. The goal is to help customers organize existing coverage, track costs, identify gaps, and manage health-related protection in one place.
Can I earn credits for healthy habits?
Customers may be able to earn approved credits for preventive care, wellness activities, health screenings, dental cleanings, vision exams, and other eligible actions.
Can credits pay for medical care?
Eligible credits may help reduce approved health-related costs such as care expenses, copays, prescriptions, dental, vision, urgent care, deductibles, or future balances where allowed.
Are health credits guaranteed?
No. Credits, rewards, discounts, and wallet balances depend on program terms, eligibility, partner approval, policy rules, and applicable law.
Can families use Health Protection?
Yes. Unified Coverage is designed to support family profiles, shared wallet tracking, preventive care reminders, and health-related credit activity for households.
Start Smarter Health Protection
Health care costs should not catch you off guard.
Unified Coverage helps you organize health protection, track credits, build wallet balances, and prepare for future care expenses.
Protect your health. Build your wallet. Reduce future stress.
Important Notice: Unified Coverage is designed as a protection management platform, insurance access platform, rewards wallet, and service coordination system. Health insurance products may be offered through licensed insurance carriers and licensed producers. Unified Coverage does not guarantee coverage, approval, credits, rewards, discounts, dividends, medical payments, or final pricing. Credits, rewards, wallet balances, and health-related benefits are subject to applicable laws, program terms, partner approval, policy terms, eligibility, and regulatory requirements. Unified Coverage should not be understood as a licensed insurance carrier, health insurer, bank, or financial institution unless and until it receives the required regulatory approvals.