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- Review of UnitedHealthcare (Golden Rule Insurance) Short Term Health Insurance Plans
- Updated: 11/13/2019
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Review of UnitedHealthcare (Golden Rule Insurance) Short Term Health Insurance Plans
- UnitedHealthcare is the industry leading issuer of short term medical insurance. They have a wide range of products available. This review will help you understand the Short Term Health Insurance Plans and select the right plan for your needs.
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UnitedHealthcare and Short Term Health Insurance
- UnitedHealthcare short term health insurance plans are underwritten by Golden Rule Insurance Company. Golden Rule has been a part of UnitedHealthcare since 2003. Golden Rule has been offering short term health insurance for over 30 years. As a result, you can rest assured that when you purchase a Golden Rule short term policy you have the best of Golden Rule's experience in the short term market and UnitedHealthcare's extensive provider network. You should know that the plans are referred to periodically as UnitedHealthcare, Golden Rule, and UHOne. These are all the same products, just a little brand confusion.
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Overview of Golden Rule Short Term Medical Insurance
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UnitedHealthcare Select Plans - $600,000 maximum Benefit States
Note that some states offer $600,000 maximum benefit for these plans and some offer $2,000,000.
The lowest cost Short Term Health Insurance Plan available in the product line-up is UnitedHealthcare Value Select plan. If you are looking for the lowest cost plan available, this is the plan to look at. All of the Golden Rule Insurance Select Short Term Health Insurance plans have a maximum benefit level of $600,000. The Select plans offer choice of deductible, and coinsurance payments. The Plus Elite offers a 0% coinsurance.
There are four Select plans available; Value Select, Plus Select, Copay Select, Plus Elite - Here's are the key differences between these four plans
Product Value Select Plus Select Copay Select Plus Elite Prescription Drugs Not Covered Covered - subject to deductible Covered - subject to deductible Covered - subject to deductible Doctor Visit subject to deductible subject to deductible Copay subject to deductible Coinsurance Percent 30% or 40% 20% or 40% 20% 0% Deductible Per Term Per Term Per Term Per Term Overall Lowest Cost Best Value Middle Cost Best Value
The UnitedHealthcare Select plans offer a $600,000 maximum benefit level. The UnitedHealthcare Plus Elite plan has a 0 % coinsurance and is an excellent and popular choice for people who want to know their maximum costs. The insured person pays the premium amount, and the deductible or copay amount (if they have a claim). After that the insurance covers 100% of covered expenses. The Plus Select plan is a best value plan because its a solid middle of the road plan with the right combination of price and benefits for many purchasers.
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UnitedHealthcare Select Plans - $2,000,000 maximum Benefit States
Note that some states offer $600,000 maximum benefit for these plans and some offer $2,000,000.
The lowest cost Short Term Health Insurance Plan available in the product line-up is UnitedHealthcare Value plan. If you are looking for the lowest cost plan available, this is the plan to look at. All of the Golden Rule Insurance Select Short Term Health Insurance plans have a maximum benefit level of $2,000,000. The Select plans offer choice of deductible, and coinsurance payments. The Plus Elite offers a 0% coinsurance.
There are four plans available; Value, Plus, Copay, Plus Elite - Here's are the key differences between these four plans
Product Value Plus Copay Plus Elite Prescription Drugs Not Covered Covered - subject to copay or deductible Covered - subject to copay or deductible Covered - subject to copay or deductible Doctor Visit subject to deductible subject to deductible Copay subject to deductible Coinsurance Percent 30% 20% 20% 0% Deductible Per Term Per Term Per Term Per Term Overall Lowest Cost Best Value Middle Cost Best Value
These UnitedHealthcare plans offer a $2,000,000 maximum benefit level. The UnitedHealthcare Plus Elite plan has a 0 % coinsurance and is an excellent and popular choice for people who want to know their maximum costs. The insured person pays the premium amount, and the deductible or copay amount (if they have a claim). After that the insurance covers 100% of covered expenses. The Plus plan is a best value plan because its a solid middle of the road plan with the right combination of price and benefits for many purchasers.
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UnitedHealthcare Select A Plans - $2,000,000 maximum Benefit
Select A plans offer higher maximum limits than the Select plans (in states where the Select plans have a $600,000 limit). The Golden Rule Insurance Select A Short Term Health Insurance plans have a maximum benefit level of $2,000,000. The Select A plans are similar to the Select plans but have a higher benefit level.
There are four Select A plans available; Value Select A, Plus Select A, Copay Select A, Plus Elite A - Here's are the key differences between these four plans
Product Value Select A Plus Select A Copay Select A Plus Elite A Prescription Drugs Not Covered Covered - subject to deductible Covered - subject to deductible Covered - subject to deductible Doctor Visit Subject to Deductible Subject to Deductible Copay Subject to Deductible Coinsurance Percent 30% or 40% 20% or 40% 20% 0% Deductible Per Term Per Term Per Term Per Term Overall Middle Cost Best Value Best Coverage Best Value
The UnitedHealthcare Select A plans offer a $2,000,000 maximum benefit level. With medical costs as high as they are, a serious illness or injury could exhaust the benefits available in the lower tier plans. Still for many the $2,000,000 benefit is more benefits than they think they need. The $600,000 of benefits available in the lower tier plans is enough for many people. The UnitedHealthcare Plus Elite A plan has a 0 % coinsurance and is an excellent and popular choice (Best Value) for people who want to know their maximum costs and want the peace of mind that comes with the $2,000,000 benefit level. The insured person pays the premium amount, and the deductible or copay amount (if they have a claim). After that the insurance covers 100% of covered expenses. The Plus Select A plan is a best value plan with a $2,000,000 benefit level and a good combination of price and benefits for many purchasers. The Copay Select A plan is the Best Coverage Plan for many. It adds a doctor office copay which is a popular benefit.
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UnitedHealthcare TriTerm Medical Plans - $2,000,000 maximum Benefit
TriTerm Medical Plans are available for up to 3 years of coverage. These are UnitedHealthcare's Short Term Medical plans with the best benefits including longer coverage periods and preventive care benefits.
There are three TriTerm plans available; Copay Select Max, Plan 80 Max, Plan 100 Max - Here's are the key differences between these three plans
Product Copay Select Max Plan 80 Max Plan 100 Max Prescription Drugs 4 tier copay card Covered - subject to deductible Covered - subject to deductible Doctor Visit Copay Subject to Deductible Subject to Deductible Coinsurance Percent 30% 20% 0% Deductible Per Term up to one year Per Term up to one year Per Term up to one year Overall Middle Cost Best Value Best Value
The UnitedHealthcare TriTerm plans offer a $2,000,000 maximum benefit level and up to three years of coverage. The UnitedHealthcare Plan 100 Max plan has a 0 % coinsurance and is an excellent and popular choice (Best Value) for people who want to know their maximum costs and want the peace of mind that comes with the $2,000,000 benefit level. The insured person pays the premium amount, and the deductible or copay amount (if they have a claim). After that the insurance covers 100% of covered expenses. The Plan 80 plan is a best value plan with a $2,000,000 benefit level and a good combination of price and benefits for many purchasers. The TriTerm plans are great for anyone needing to provide their own medical coverage for an extended period of time. Pre-existing conditions are determined based on what was pre-existing at the time of your initial coverage and then you can keep the coverage for three years.
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Note on State Differences
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Short Term Health Insurance varies by state. Your state won't offer all of the products listed above. The benefit charts and descriptions above apply to many states where UnitedHealthcare product is available, but not everywhere. There are several ways you can check to see if your state is different. First, you could look on line at currently available products in your area. You can click here to do that: GetQuote/Purchase
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You can also go to our page here and select your state to see which Short Term Medical insurance plans are avaialable for both UnitedHealthcare and National General. You can pick two plans at a time and compare benefits side by side. We recommend using this tool to help select the plan that's best for you and available in your state. You can click here to do that: Short Term Availability by State
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UnitedHealthcare Choice or Choice Plus Network
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- group
- Strong Nationwide Network - Quality Care at Lower Fees
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UnitedHealthcare offers one of the largest networks in the U.S.
- Nearly 1,200,000 physicians and other health care professionals
- About 6,500 hospitals and other medical facilities
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- local_hospital
6,500
- Hospitals & Other Medical Facilities
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- healing
1,200,000
- Physicians & Other Health Care Professionals
- In the case of an emergency you can go to the closest emergency room for treatment and will not be penalized if they are out of network.
- With these short term plans there is no referral required to see a specialist - you determine the doctor that best meets your needs.
- You do not need to select a Primary Care physician. You can see any primary care doctor in the network, and change whenever you prefer.
- Network providers agree to accept UnitedHealthcare reimbursement schedule - quality care at lower fees. You will not receive a "balance bill" for any amount (other than your agreed upon cost sharing expenses like deductible and coinsurance) for covered expenses.
A very broad and national network is important. With UnitedHealthcare short term medical plans you need to use a network provider in order to receive benefits under your plan. Some other important considerations:
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Find Medical Providers Near You
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UnitedHealthcare makes it easy to find a provider that's in network.
To look up a provider near you:
- Go to the provider lookup here: https://www.uhone.com/insurance/health/find-a-doctor
- Enter your zip code
- Select "shopping" since you haven't purchased a plan yet.
- Click "search"
- Select the network listed under the "Short Term Plans" section
There will then be options to choose the type of provider you are looking for.
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Get a Quote or Buy
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Trying to get a quote on the UHOne website is a little confusing. The link to follow to get a quote or purchase is here:
https://www.uhone.com/shop/#/census/shortterm
Once you enter your zip code, gender, and date of birth you then need to select the products you want to see. There's a long list, and it includes plans that are not the Short Term plans reviewed here. Fortunately, the Short Term Plans are in the top section of choices. You can check the boxes of the Short Term plan designs that you want to compare. It's best to select the designs you like from this review before you click to get a quote or compare.
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