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Frequently Asked Questions:
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- How do our plans differ from ACA?
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- 9 Important Differences between Short Term Health Insurance Plans and ACA Insurance Plans
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Many people that select Short Term Health Insurance instead of Affordable Care Act Coverage make that Choice because of the Significant Premium Savings
Short Term Health Insurance Plans exclude coverage for Pre-existing medical conditions. ACA Health Insurance Plans cover pre-existing medical conditions. If you have an expensive pre-existing medical condition, an ACA compliant plan may be better for you...
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- How much Does Short Term Health Insurance Cost?
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- How much Does Short Term Health Insurance Cost?
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Short Term Health Insurance prices vary by zip code, age, product chosen, deductible choice and more. There are so many options, most people can find a plan that meets their budget. The only way to know for certain is to get a price quote specific to you.
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- How do I decide which UnitedHealthcare short term plan is right for me?
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- Short Term Health Insurance
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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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- What are the ten essential benefits for ACA?
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- Ten Essential Benefits for ACA
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In order for a health insurance plan to comply with healthcare.gov Obamacare requirements they need to offer unlimited lifetime benefits and coverage for each item listed below...
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- Who should consider a short term plan with Golden Rule Insurance?
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- Short Term Health Insurance with UnitedHealthcare's Golden Rule Insurance
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Many people find that Short Term Health Insurance with industry leading UnitedHealthcare (Golden Rule Insurance) is a good affordable alternative to Affordable Care Act Insurance. Learn if Short Term Health Insurance is right for you...
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- Can I get a refund if I cancel my Short Term Medical Insurance plan early?
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- Yes. You can buy as many days of coverage as you think you will need. If your needs change and you decide to cancel before your plan expires, you receive a refund of your premium for any unused coverage dates.
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- Is there a tax penalty for buying a Short Term Health Insurance Plan instead of a plan on the Obamacare Health Exchange?
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- Starting in 2019 there is NO TAX PENALTY. You can buy a Short Term Health Insurance Plan that is not Obamacare (ACA) Compliant and will NOT Pay a Tax Penalty.
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- How quickly can my Short Term Health Insurance be effective?
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- You can choose your effective date. The earliest effective date is the day after your application is completed.
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- Can I cover my whole family with one Short Term Medical Insurance Plan?
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- Yes. It's usually better to buy one plan for the whole family when the family all needs coverage. The total cost for your family will be lower if you buy one UnitedHealthcare Short Term Health Insurance Plan.
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- Do Short Term Health Insurance Plans cover preexisting medical conditions?
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- Generally No. Short Term Medical Insurance Plans are governed by State law, so different States treat pre-existing medical conditions differently. Generally, Short Term Health Insurance excludes coverage for medical conditions that have been treated or diagnosed within the past 2 to 5 years.
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- Is there a premium discount for paying my premium all upfront?
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- Yes. Many people choose to pay their premium monthly. However, if you want to save some money, you can select to pay all of the premium when you purchase. Depending on the coverage you choose, the premium savings can be significant. You can save up to 24% of the premium by paying upfront. It's a pretty big incentive to try to pay in a lump sum upfront.
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- Can I get a federal tax subsidy to pay my premium for Short Term Health Insurance?
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- No. Short Term Health Insurance Plans do not qualify for a tax subsidy.
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- If my Short Term Medical Insurance is expiring, can I renew?
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- No. You can buy a new plan but you can't renew. This is an important difference. When you purchase a new plan that starts a new exclusion for preexisting medical conditions. For this reason, if you aren't sure how long you will need your plan, you should buy the maximum term available in your State. You can always cancel the plan if you no longer need the coverage.
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