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Short Term Vs. Individual Insurance

Compare Short Term Health Insurance and Renewable Health Insurance

If you do not qualify for health insurance through an employer, one of your biggest challenges in life may be finding a personal health insurance plan that fits your budget and provides the coverage you need. The guide below can help you determine whether a UnitedHealthOne^SM personal health plan or UnitedHealthOne^SM Short Term Medical^SM insurance plan is best for you.

	Short Term Health Insurance	Health Insurance
Who is this health insurance for?	UnitedHealthOneSM Short Term MedicalSMplans can provide an affordable option for individuals and families who are in transition from one life event to another. Plus, healthy individuals can secure nearly immediate coverage – as early as the very next day! Recent college graduates Students losing dependent status People waiting for other coverage to begin Individuals between jobs or out of work Early retirees needing a bridge to Medicare eligibility Individuals who lost coverage following a divorce Part-time employees & seasonal workers Recently discharged members of the military	UnitedHealthOneSMpersonal health plans can provide an affordable option for individuals and families who are in need of quality health coverage for a longer period of time. Individuals employed by a company that does not provide health benefits Self-employed or small business owners People needing an alternative to COBRA2 insurance Individuals between jobs or out of work Plans available include: Copay plans, High Deductible plans, and Health Savings Account (HSA) plans
What is the length of health insurance coverage?	Short Term MedicalSM coverage can last from 1-11 months.3	UnitedHealthOneSM personal health insurance is guaranteed renewable for as long as you need coverage, as long as premiums are paid on the policy.
What is the type of health insurance coverage?	Comprehensive medical insurance coverage	Comprehensive medical insurance coverage
Is the health insurance renewable?	No, Short Term MedicalSM is not renewable, but you may apply for additional short term coverage (subject to state restrictions).	Generally, you may renew coverage by paying the premium as it comes due.
How long does it take to complete a health insurance application?	Complete the application in as little as 7 minutes!4	Complete the application in as little as 15 minutes!4
What is the health insurance application process like?	Short Term MedicalSM health insurance applications are substantially shorter and easier to complete. Coverage can start as early as the very next day.	UnitedHealthOneSM personal health applications are underwritten and, therefore, include more questions. Coverage can start as early as 15 days from the time Golden Rule receives the application.
How much are health insurance premiums?	Short Term MedicalSM health insurance premiums are typically much lower than individual health insurance premiums.	While UnitedHealthOneSM personal health insurance premiums may be higher than short term insurance premiums, UnitedHealthOneSM personal health insurance is generally renewable for as long as you need the coverage.
What health insurance deductibles are available?	Short Term MedicalSM health insurance deductibles range from $500 to $10,000.	UnitedHealthOneSM personal health insurance deductibles range from $1,000 to $10,000 – a wide variety to fit anyone’s budget.
Is preventive care included in the health insurance?	No	Yes
What network is included with the health insurance?	Full access to the UnitedHealthcare Choice Plus network in most areas. You can find many providers in your area with more than 754,000 physicians and other health care professionals and 5,400 hospitals nationwide in the UnitedHealthcare network.1 Plus, our network can offer you provider discounts of up to 50% on quality health care.5	Full access to the UnitedHealthcare Choice Plus network in most areas. You can find many providers in your area with more than 754,000 physicians and other health care professionals and 5,400 hospitals nationwide in the UnitedHealthcare network.1 Plus, our network can offer you provider discounts of up to 50% on quality health care.5
Can I see a specialist with the health insurance?	Yes. There are no primary care physician/specialist referrals required.	Yes. There are no primary care physician/specialist referrals required.
Are there any preexisting condition limitations?	No benefits are payable for preexisting conditions with Short Term MedicalSM plans. Previous covered conditions will be considered preexisting under subsequent certificates/policies.	Generally, treatment for these conditions that are not fully disclosed and not excluded/limited by underwriting will not be covered during the first 12 months of coverage. Does not apply to covered persons under 19 years old.6
What is the health insurance lifetime maximum benefit per person?	$1,000,000	N/A
How much will health insurance cost?

¹ UnitedHealth Group Annual Form 10-K for year ending 12/31/11. 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 1-4 months in CO, KS and 1-6 months in AZ, CT, DE, GA, IN, KY MI, OH, SD, VA, WY. ⁴ For single coverage, with little to no prior health conditions. ⁵ Discounts vary by provider, geographic area, and type of service. ⁶ Preexisting conditions for CO, DE, KY, LA differ, see product brochure for more information. 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 health insurance quotes? Get a FREE short term insurance quote online now!
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