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Short term health insurance options

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Short Term Medical – Golden Rule Insurance Company

Designed for times of change

 

Life has twists and turns that sometimes mean you need to find a health insurance option fast. 

  • You land a new job but have to wait for company health coverage to kick in
  • Your current health plan is expiring
  • Your side hustle has become a full-time, self-employed gig 

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.

Learn More about Short Term Medical Plans

Short-term plans underwritten by Golden Rule Insurance Company, a UnitedHealthcare company, offer budget-friendly coverage for doctor office visits, ER visits, hospital stays, labs, and most cover prescriptions, and in some cases, once you apply and your application is approved, you can start your plan in as little as one day.

6,500+

Over 6,500 hospitals and other medical facilities are part of our nationwide networkF1

1.4 MILLION+

Access to quality care from 1.4 million physicians and other health care professionals.F1

300,000+

People who access health care through Golden Rule Short Term plans

 

Why Short Term – Golden Rule Insurance Company

Who can benefit from short term health insuranceF9?

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

Children needing wellness checks

Retired Early

Needing a bridge to Medicare

 

Choosing the Right Plan

How much do you use your health plan?

Rarely

By choosing a higher deductible and higher coinsurance you may save on premium. Just remember that means more out-of-pocket costs for you when you use your insurance. Many Value plans eliminate Rx drug coverage to keep costs down.

Recommended Plan: Value Direct or Value Select A

Annually

For a plan that is simple to use choose Plus Elite. Meet the deductible and the rest of your eligible medical expenses are covered at 100% per person, per term. Where available, Premier Elite also covers 100% after deductible, but comes with one deductible for the whole family!

Recommended Plan: Plus Elite or Premier Elite

Regularly

Choose a Copay plan to pay a copay for a set number of doctor visits without having to meet the medical deductible first. Waiting period applies for illness on some plans. All plans use network repricing to keep your medical expenses lower, too!

Recommended Plan: Copay

 

Short Term Medical Options – Golden Rule Insurance Company

Short term medical plans

Take a glance at the benefits & compare insurance plans

Plans vary by state, but coverage options include doctor office and urgent care visits, trips to the ER, hospital stays, preventive care, prescriptions, and more. Start your online short term health insurance quote now.

Short Term FAQs

Short term insurance plans, sometimes called temporary health plans, help provide health coverage for a limited time.F9  See short-term plan options and apply today.

Short Term or Temporary health insurance plans may make sense if you are:

  • Rolling off your parent’s insurance
  • In between jobs
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment
  • Waiting for your Affordable Care Act (ACA) coverage to begin
  • Waiting for benefits to begin at a new job
  • Waiting for Medicare
  • Needing a temporary alternative to COBRA insurance
  • Losing coverage following a divorce
  • Under 65 and in good health

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:

  1. Doctor visits for illness and injury and other outpatient care (ambulatory services)
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services
  6. Prescription drug coverage
  7. Rehabilitative and habilitative services and devices (relearning to walk after a stroke and improving ability to speak without an impediment)
  8. Laboratory tests and services
  9. Preventive and wellness care
  10. Pediatric services (including both oral care and vision care)
In contrast, Short Term health insurance is not required to cover all of these benefits, so plans can vary in what they cover. Also, Short-Term insurance plans typically do not cover preexisting medical conditions. You must apply and answer a series of medical questions to determine your eligibility for these plans.

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 less than 12 months (364 days). However, term lengths vary by state. Check your state's plan brochure for details.

No problem. You can drop your coverage at any time without penalty.

The federal rule regulating Short-Term plans allows for a 36-month maximum duration of renewable coverage. Some states will allow only Short-Term health insurance plans issued for a specific period of time that cannot be extended.

In other states, you can apply for back-to-back plans that together give you coverage for more than a year.

Finally, in some states, when your term is ending, you can apply for a new Short Term plan.F12 Remember, though, this is not an extension of your first plan. Any illness or condition you develop while covered under your first plan would be considered a preexisting condition for the new plan.

Yes, most likely you can. UnitedHealthcare offers one of the largest networks in the U.S. With access to nearly 1.4 million physicians and other health care professionals, and approximately 6,500 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 to 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. 

TriTerm Medical insurance is short term insurance that lasts almost 3 years.

Learn more.


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