These plans are medically underwritten and do not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage”. In several states these health insurance plans are issued as association group plans and are available only to members of FACT, the Federation of American Consumers and Travelers, www.usafact.org. This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company.
1 UnitedHealth Group Annual Form 10-K for year ended 12/31/18.