Golden Rule Insurance Company,
which underwrites many United-
Healthcare branded insurance.F2
Overview
Who It's For
Plans
Short Term Medical – Golden Rule Insurance Company
Life has twists and turns that sometimes mean you need to find a health insurance option fast.
Fast and flexible Short Term Medical InsuranceF9 plans may be just the right temporary health plan solution for those expected or unexpected turns life can take. Apply today for coverage as soon as tomorrow in many cases.
Over 7,000 hospitals and other medical facilities are part of our nationwide networkF1
Access to quality care from 1.5 million physicians and other health care professionals.F1
People who access health care through Golden Rule Short Term plans
Why Short Term – Golden Rule Insurance Company
You start your own business and no longer have group coverage. You're between jobs and COBRA coverage doesn't fit your budget. You've retired early and need coverage until Medicare starts. There are times when a budget-friendly bridge through a gap in health coverage is needed. If you're in one of those times, that's when a short term medical plan may be able to help.
Self-Employed
Or seasonal worker
Between Jobs
Just graduated or out of work
Fill the Gap
Waiting for other coverage to start
Family Needs
Include eligible children in many states
Retired Early
Needing a bridge to Medicare
Short Term Medical Options – Golden Rule Insurance Company
HOSPITAL & SURGICAL COVERAGE ONLY
SHORT TERM MEDICAL PLAN
A "just in case" plan
Hospital, surgical & limited urgent care benefits only
$10,000 out-of-pocket max on covered costs
Starting at
/mo
LOWER BENEFITS FOR LOWEST PREMIUM
SHORT TERM MEDICAL PLAN
Targeted benefits for a lower cost
Prescription discount card
Discount for lump sum payment
Starting at
/mo
BASIC COVERAGE + RX BENEFITS
SHORT TERM MEDICAL PLAN
Unlimited $50 copay urgent care visits
Limited prescription coverage
Lower rates on care thru UnitedHealthcare network
Starting at
/mo
BALANCED COST & COVERAGE
SHORT TERM MEDICAL PLAN
A sweet spot between cost & coverage
Pay 20% of covered costs after deductible
$2,000 out-of-pocket max on covered costs
Starting at
/mo
$0 AFTER DEDUCTIBLE
SHORT TERM MEDICAL PLAN
Pay $0 on covered costs after deductible
Unlimited $50 copay urgent care visits
$25 copay for some common prescriptions
Starting at
/mo
BEST DOCTOR VISIT PLAN
SHORT TERM MEDICAL PLAN
Set number of $50 copay Dr. office visits
Unlimited $50 copay urgent care visits
$25 copay for some common prescriptions
Starting at
/mo
PAY $0 AFTER DEDUCTIBLE
SHORT TERM MEDICAL PLAN
Pay $0 on covered costs after deductible
Reduced costs thru UnitedHealthcare network
30-360 day plans, refundable when cancelled
Starting at
/mo
EASY TO UNDERSTAND
SHORT TERM MEDICAL PLAN
$0 on covered costs after deductible
$2 million lifetime max
$75 Urgent Care copays
Starting at
/mo
RECOMMENDED FOR FAMILIES
SHORT TERM MEDICAL PLAN
Doctor visit & Urgent Care copays
Designed for more frequent use
No waiting period for preventive care benefits
Starting at
/mo
LUMP SUM PAYMENT DISCOUNT
SHORT TERM MEDICAL PLAN
Multiple deductible options
Only plan with per cause deductible for lower premiums
Discount for lump sum payment
Starting at
/mo
BASIC COVERAGE, REDUCED NETWORK COSTS
SHORT TERM MEDICAL PLAN
Per term deductible option
Discount for lump sum payment
30-360 day plans, refundable when cancelled
Starting at
/mo
LOWER PREMIUMS, BASIC
SHORT TERM MEDICAL PLAN
5 lower premium options
Discount for lump sum payment
30-360 day plans, refundable when cancelled
Starting at
/mo
BASIC PLAN, LOWER COST
SHORT TERM MEDICAL PLAN
Lower premium options
$75 Urgent Care copay
Choice of deductible levels
Starting at
/mo
OUT-OF-POCKET COST OPTIONS
Plus Select A
SHORT TERM MEDICAL PLAN
Lower coinsurance options
Reduced costs thru UnitedHealthcare network
30-360 day plans, refundable when cancelled
Starting at
/mo
LOWER AFTER-DEDUCTIBLE COSTS
SHORT TERM MEDICAL PLAN
Deductible options as low as $1000
40% coinsurance after deductible
Next day coverage for injury & illness
Starting at
/mo
DROP RX AND LOWER COSTS
SHORT TERM MEDICAL PLAN
Available year round
Next day coverage for injury & illness
$2 million lifetime max
Starting at
/mo
FAMILIAR FORMAT
SHORT TERM MEDICAL PLAN
20% coinsurance after deductible
Next day coverage for injury & illness
No waiting for preventive care benefits
Starting at
/mo
GOOD FOR OFFICE VISITS
SHORT TERM MEDICAL PLAN
Doctor visit & Urgent Care copays
$25 copay for many common drugs
No wait for preventive care benefits
Starting at
/mo
Short term health insurance plans provide fast and flexible health coverage for a temporary time.F9 See short-term plan options and apply today.
Short Term or Temporary health insurance plans may make sense if you are:
In these situations and others where you find yourself temporarily lacking health care coverage, choosing a Short-Term health insurance plan may be just the security you need to get you to that next stage of your life.
As early as the next day after you apply in many cases.
No. You can apply for Short Term or Temporary health insurance at any time. This is different from Affordable Care Act (ACA) coverage, also known as Obamacare, which you can buy only during Open Enrollment each year or during a qualified Special Enrollment time.
No. Short Term plans are not ACA, or Obamacare, health plans. While both ACA and Short Term health insurance plans cover major health events in your life, there are important differences.
ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions. Also, ACA health plans are required to cover 10 essential health benefits:
Yes, in many cases, you can cover spouses and dependents with Short Term insurance. Note: State variations do apply. In some states, you may not be able to include spouses and dependents. And in states where you can cover them, all family members will be subject to the same series of medical questions to determine if they are eligible for the plan.
Short-Term health insurance is not “minimum essential coverage” as defined by the ACA. As of January 1, 2019, there is no federal tax penalty for not having minimum essential coverage.
However, tax penalties may still vary at the state level. Consult your tax advisor for more information.
Short Term medical insurance typically does not cover preexisting medical conditions. The definition of preexisting condition varies by state, but, in general, Short Term health insurance plans exclude coverage for conditions that have been diagnosed or treated within the previous 2 years.
If you have an existing medical condition, you may want to find out whether you can extend your current insurance. Employer-sponsored insurance may be extended under COBRA (or a similar state program).
Yes. You can make some choices that can help you find the best Short Term health insurance costs for your situation:
Choose a higher deductible. The deductible is what you have to pay of the expenses covered by your insurance plan before the insurance will pay anything. If you choose a higher deductible, meaning you pay more before the insurance starts paying, you can reduce your premium.
Pay your entire premium up front. In select states with some Short Term plans, if you can pay the total premium for the amount of time you want to be covered, you can save 18% by paying that in one lump sum.
Choose a plan with fewer benefits. Not all Short Term health insurance plans are the same. You will find different levels of coverage available with different benefits for different prices. For example, you can control if your plan includes copays, a fixed dollar amount you pay, for a doctor’s office visit or if you want to include prescription drug coverage.
Stay in network. Picking a health care provider or a specialist that is in the extensive UnitedHealthcare network may save you money because the providers agree to provide quality care at reduced rates.
No. Because temporary insurance plans are not minimum essential coverage as defined by the ACA, you are not eligible for tax subsidies to help pay for them. However, generally, Short Term health insurance plans cost less than ACA health plans.
A federal rule regulates Short Term Limited Duration Insurance to terms of 4 months total coverage (3 months + a 1-month extension) in a 12-month period.
No problem. You can drop your coverage at any time without penalty.
No. Currently, short term insurance is available for up to 4 months total coverage (3 months + a 1-month extension) in a 12-month period. It can't be renewed, and you must wait to the end of the 12-month period to apply again.
Yes, most likely you can. UnitedHealthcare offers one of the largest networks in the U.S. With access to nearly 1.8 million physicians and other health care professionals, and approximately 7,200 hospitals and other medical facilities,F1 chances are your current doctor is already a part of our nationwide network.
Health care professionals in our network agree to provide you quality care at lower fees.
Not necessarily. Your deductible is what you have to pay of the expenses covered by your insurance plan before the insurance will pay anything. Short Term Medical insurance plans underwritten by Golden Rule Insurance Company allow you to choose the deductible you're most comfortable with from several options.
With some Short Term plans, if your regular in-network doctor's visit is covered on the plan and your doctor offers telehealth services, you can take advantage of that service at network negotiated lower rates. Your plan's deductible and coinsurance rates apply in that case.
Certain plans offer a Virtual Care rider for an additional cost that will provide unlimited virtual visits with board-certified doctors 24/7 at no additional consultation fee. This can be a good option if you need quick care.
Sometimes. Prescription coverage is available with some temporary insurance plans. Check specific plans for details.
Sometimes. Limited preventive care coverage is available with some temporary insurance plans. Check specific plans for details.
No. You are under no obligation when using our site. After submitting your application, you may cancel it at any time during the underwriting process.
Note, however, that an application fee may apply in some cases.
No. Some health plans make you select a primary care provider or primary care physician (PCP) to be the main health care professional who takes care of you. With Short Term Medical insurance plans,F13 you can go to any qualified health care provider you choose at any time. Note: Some plans may require you to choose a provider that is in the health plan's network to get your benefits.
No. A referral is a type of preapproval some health plans require where your primary care provider (PCP) must refer you to another doctor or for a specific service for that visit or service to be covered by the plan. With Short Term Medical insurance plans,F13 you can go directly to any specialist of your choice without needing a referral. Note: Some plans may require you to stay with a specialist who is in the health plan's network to get your benefits.
Need help finding a health plan that fits? Call one of our licensed insurance brokers at 1-800-273-8115.
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