UnitedHealthOne

Short Term Health Insurance

UnitedHealthOne is the brand name of the United Healthcare family of companies that offer personal health insurance products. Golden Rule Insurance Company, a United Healthcare company, is the underwriter and administrator of these short term medical plans.

Rated A Excellent by AM Best
Available in: AL, AR, AZ, DE, FL, GA, IA, IL, IN, KY, LA, MI, MO, MS, NC, NE, NV, OH, OK, OR, PA, TN, TX, VA, WI, WV, WY
UnitedHealthOne Short Term Medical is available in three plan options, Short Term Medical Copay, Short Term Medical Plus and Short Term Medical Value. All three plans use provider networks and have medical maximums that range from $250,000 to $1,000,000.
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Urgent Care Copay

If you have a minor illness, accident or injury, use a Urgent Care Center or Walk-In Facility. Your deductible is waived and you pay a $50 copay.

The UnitedHealthOne STM Plan Includes

Options for Dental, Accident Medical and Critical Illness riders in most states.

UHOne Short Term Health Insurance Features

 

  • Pays up to $1,000,000 Lifetime Maximum per Covered Person

  • Choice of Coverage Periods - 30 to 90 days

  • Reapply if you need additional coverage
  • UnitedHealthcare Plus Choice Network - More than 850,000 Physicians & Other Health Care Professionals and 6,100 hospitals
  • Choice of Deductibles - $500, $1,000, $1.500, $2,500, $5,000 or $10,000

  • Coinsurance options - Many coinsurance options to choose from

  • Choose a monthly plan or choose the single payment option for additional savings

  • Child Only Coverage is available - the minimum age is two years old

  • Free Look Period ensures your satisfaction with a 10-day money back guarantee
UHOne Short Term Coverage for those who are
  • Between jobs or laid off - Waiting for employer benefits
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Policy approval and electronic fulfillment.

When applying , your policy is reviewed by underwriting and the process can take typically 1 to 5 business days. Once approved, you will be notified by email. You will be able to log in for access to your policy and ID cards.

UnitedHealthOne Short Term Health Plan Details

UnitedHealthOne Short Term Coverage Plan Details

A Long History with Short Term

Through Golden Rule Insurance Company, which became part of UnitedHealthcare in 2003, they have been in the personal insurance business more than 70 years and have offered a Short Term insurance product for over 30 years. They’re not capitalizing on a new market or exploiting a trend. They’re just continuing our commitment to offer Short Term products, backed by a large provider network, that serve a necessary purpose for our customers who are between longer term health care solutions.

 

Short Term Medical Copay

 

  • $35 in-network doctor office visit and Prescription drug copay coverage

  • Choice of Deductibles - $500, $1,000, $1,500, $2,500, $5,000 or $10,000

  • Coinsurance out of pocket $4,000 per person / per term (20% after deductible)

  • Lifetime maximum Benefit per covered person: $1,000,000

Short Term Medical Plus
  • Choice of Deductibles - $500, $1,000, $1,500, $2,500, $5,000 or $10,000
  • Coinsurance out of pocket $2,000 per person / per term (20% after deductible)
  • Lifetime maximum Benefit per covered person: $1,000,000
  • Prescription coverage - You pay 20% after deductible
Short Term Medical Value
  • Choice of Deductibles - $500, $1,000, $1,500, $2,500, $5,000 or $10,000
  • Coinsurance out of pocket $4,000 per cause / per person (20% after deductible)
  • Lifetime maximum Benefit per covered person: $1,000,000
  • Prescriptions are Not covered - Includes Rx discount card
UnitedHealthOne STM - Coverage Information

Return of Premium

With UnitedHealthOne Short Term health insurance, you can also buy as many days of coverage as you think you will need and receive a refund on your premium (minus any claims payments) should you find another health care option before the end of your term.

Coverage Details

Do I Need to Buy Short Term or Temporary Health Insurance During a Certain Enrollment Period?

 

No. Unlike health insurance plans that comply with the Affordable Care Act (ACA), also known as Obamacare, which you can buy only during Open Enrollment each year or during a qualified Special Enrollment time, you can apply for Short Term or Temporary health insurance at any time.

 

EyeMed Vision Plan

 

The Golden Rule- Short term health insurance plan by United HealthOne is designed to provide low cost medical coverage on a temporary basis.  When you select the single payment mode, you will typically receive a discount. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost.. Please refer to the UnitedHealthOne Short Term Medical brochure for plan benefits, limitations and state variations.

 

Golden Rule Insurance Company

The UnitedHealthOne Short term health insurance plan is designed to provide low cost medical coverage on a temporary basis. Ideal if your between jobs, lay off, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost short term health insurance alternative to COBRA or traditional health coverage. 

 

UnitedHealthOne Short term coverage is available for as little as 30 days and you can keep it for up to 90 days. You can also choose the exact number of days and receive a single pay discount when choosing the single payment option. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost.

 

HCC Short Term Health Insurance

Long Term Consumer Care, Inc. BBB Business Review

 

 

FAQ

Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.

The UnitedHealthOne / Golden Rule Short term health coverage is available for as little as 30 to 90 days.

 

You can also choose the single payment option for your temporary coverage and receive a discount on the premium.

Your UnitedHealthOne short term coverage can begin as early as the next day. You can also select a later effective date

Accident Medical Plans

Low Price Guarantee

$20 Application Fee

The application fee charged by United Healthcare is $20. We don't add any additional fees.

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051