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Helping Fill in the Gaps for Individuals and Families
with Temporary Health Insurance
Looking for Health Insurance? Our Product Advisors are
here to help you choose
the temporary health
insurance that best
meets your needs.
(800) 273-8113
Find a Doctor Near You.
With over 730,000 physicians and other health care professionals in our extensive network it's easy to find a doctor in your area.1 Plus with a big network comes significant discounts on quality care. Find a Doctor
Compare Short Term Health Insurance and Individual Health Insurance
Follow this guide to help
determine which health
plan is right for you.
Short Term Plan Choice Guide
See how people in personal
situations similar to yours
choose a health
insurance plan.

Short Term Health Insurance


Short Term MedicalSM Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition:
  • New graduate that can no longer be on their parent's insurance - health care insurance options for grads and learn about student health insurance
  • In-between jobs - health insurance plans to fit your budget
  • Waiting for benefits to begin at a new job
  • Early retirees waiting for Medicare
  • As temporary alternative to COBRA insurance2
Because we know that life can change quickly, our short term insurance plans give you the flexibility to drop your coverage at any time without penalty; or apply for another term of coverage.3 Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Temporary insurance plans are usually more affordable than traditional individual health coverage. Take a few minutes to check out our short term insurance quotes and see for yourself! Don't forget to explore our prescription drug discount cards and prescription drug copay coverage, too. Check out our three options (availability varies by state):

Short Term MedicalSM
Copay

Mike lost his job and is actively looking for a new one. The high cost of COBRA health coverage had him seeking an alternative. Mike takes several prescription medications and visits his doctor multiple times a year. He chose Short Term Medical Copay, because it's like his previous employer's health plan, with a convenient, predictable copay for doctor visits and prescriptions.4
  • $35 in-network doctor office visit5
  • Prescription drug copay coverage6
  • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
  • $4,000 Coinsurance out-of-pocket maximum per term

Short Term MedicalSM
Plus

Brent is a single father now, and he's responsible for his little girl. So, a budget for his family's needs is important. More certainty about out-of-pocket medical expenses is what he wants. With Short Term Medical Plus, Brent has a short term health insurance plan with a set deductible and coinsurance for the coverage period his family needs.4
  • Offers more coverage than Value plan
  • Great for those who seek predictable out-of-pocket expenses
  • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $10,000, then we pay 100% of covered expenses after that
  • $2,000 Coinsurance out-of-pocket maximum per term

Short Term MedicalSM
Value

Tanya just graduated from college. She's played soccer since grade school and knows that accidents just happen, on and off the field. While she looks for that first job on her career path, Tanya has a Short Term Medical Value plan for more affordable coverage. She selected a lower premium plan with a new deductible for each illness or injury.4
  • Costs less than our Copay and Plus plans
  • Deductible amount goes toward each illness or injury; not per term
  • Deductibles from $500 to $5,000 per cause; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
  • $4,000 Coinsurance out-of-pocket maximum per cause
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your short term insurance options at (800) 273-8113. Interested in short term insurance quotes? Get a FREE short term insurance quote online now!

We also offer other health insurance plans with a variety of coverage at competitive prices.

Top Short Term Insurance Questions:


How soon can my short term health insurance start?
Applying online with a credit card will get you coverage in the least amount of time. If you choose to mail your application, upon approval the effective date is the later of your requested effective date or the day after the U.S. postmark.

Does a short term health insurance plan help cover the costs of prescription drugs?
Yes. With Short Term MedicalSM Plus you pay 20% after your deductible is met. With Short Term MedicalSM Value you may obtain RX drugs at an average savings of 20-25% with a discount card. Discounts vary by pharmacy, geographic area, and drug. With Short Term MedicalSM Copay you pay $15 for Tier 1 drugs with no deductible, $35 for Tier 2 drugs, $65 for Tier 3 drugs, and you pay 25% coinsurance for Tier 4 drugs. Tier 2-4 drugs have a combined $500 deductible per person, per policy term.

Do short term health insurance plans include dental and vision benefits?
No. In many states we offer dental insurance and vision insurance which you can purchase separately from a temporary insurance plan. Short term health insurance plans by themselves are designed to protect you in the event of an unexpected illness or injury and are not intended to cover dental and vision care.

Why would I want short term insurance coverage for a limited amount of time?
You may be a college student and following graduation you're no longer eligible for your parent's health plan and you're looking for your first job. You may be laid off and looking for work. Maybe you're an early retiree and waiting for Medicare eligibility. A short term plan can help protect you during life-changing events.

1 UnitedHealth Group Annual Form 10-K for year ending 12/31/10. 2 Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law. 3 Somes states excluded. 4 These are hypothetical people for illustration purposes. 5 1-3 month term receives 1 visit per person, 4-6 month term receives 2 visits per person, 7-11 month term receives 4 visits per person. 6 Tier 1 drugs: $15 copay, no deductible; Tier 2 drugs: $35 copay; Tier 3 drugs: $65 copay; Tier 4 you pay 25% coinsurance, Tiers 2-4 have a combined $500 deductible per policy term.

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Copyright © 2011 Golden Rule Insurance Company.

Not intended for use in New Mexico.

UnitedHealthOneSM is a brand name used for products underwritten, administered, and/or provided by:
Golden Rule Insurance Company (Indiana domiciled, CA certificate of authority number 4407),
American Medical Security Life Insurance Company (Wisconsin domiciled, CA certificate of authority number 08079),
PacifiCare Life and Health Insurance Company (Indiana domiciled, CA certificate of authority number 5813),
Oxford Health Insurance, Inc.,
Oxford Health Plans (NJ), Inc.,
UnitedHealthcare Insurance Company,
UnitedHealthcare Services, Inc.,
Dental Benefit Providers, Inc., or
Spectera, Inc.

Health Insurance plans are medically underwritten and availability varies by state. Coverage may be provided by multiple policies/certificates.

Additional Products are provided by:
Careington International Corporation,
EyeMed Vision Care,
Sirius International Insurance Corporation, or
Delos Insurance Company

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