Recently lost your job, hours reduced, or laid off? You need to know this
Many people find themselves in between insurance plans for a variety of reasons. If you’re caught without insurance, it can be a serious problem. Health care costs are increasing and ignoring a health concern because you lack insurance could lead to more problems down the line.
Unfortunately, many people think, “It’s just a short time, what could happen?” But this mindset can have consequences for you, your family, and your savings account. What many people don’t know, however, is there’s actually a simple and budget-friendly way to apply for insurance during these times!
Short term limited duration insurance (STLDI), underwritten by Golden Rule Insurance Company, may be the solution you’re looking for. Plans start at $43.71/month, but you can choose from a variety of coverage options. Check out the benefits, exclusions, and limitations of the plan in this brochure.
(Sample rate is a base monthly premium only for a Hospital & Surgical plan for a 24-year old married female non-smoker, ZIP code 33772, $15,000 deductible, 50/50 coinsurance)
Is a short term health insurance plan right for you?
A short term insurance plan offers fast and flexible medical coverage if you are:
- Self-employed or a seasonal worker
- Between jobs
- Just graduated or out of work
- Waiting for other coverage to start
- Retired early
- Needing a bridge to Medicare
Choosing a short term health insurance plan may be just the coverage you need to get you to that next stage of your life.
What do short term health insurance plans cover?
Short term health insurance is not like Affordable Care Act (ACA) insurance which must cover certain essential health benefits by law. Short term plans can vary in what they cover, so if you shop plans, be sure to dig into what is or is not covered before you buy.
Also, short term insurance plans typically do not cover preexisting medical conditions and are subject to medical underwriting. You must apply and answer a series of medical questions to determine your eligibility for these plans. Unlike with ACA insurance, you can be turned down for coverage by short term plans.
Generally, short term health insurance plans are designed to be “just in case” plans that can help cover major health events in your life while you’re looking for a longer term health care solution.
Short term insurance may be cheaper than you think!
Because short term health insurance plans are designed as limited duration (usually less than a year) with limited benefits, they can often be a budget-friendly medical insurance solution. Available in many states, UnitedHealthcare branded Short Term Medical insurance underwritten by Golden Rule Insurance Company comes in a range of plans with different options that can fit almost any need or budget.
With UnitedHealthcare branded Short Term Medical plans from Golden Rule you can apply at any time all year round for temporary coverage at a price that suits your stage of life. If you’re accepted, you can start coverage as soon as the next day in many cases.
So, If you find yourself looking for short-term medical coverage for whatever reason, you need to see the fast and budget-friendly options available at UHOne.com!
Short term health insurance is medically underwritten and does not cover preexisting conditions.
Quotes for plan you are directed to through ShortTermInsurancePlan.com are underwritten by Golden Rule Insurance Company, an affiliate of UnitedHealthcare. This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable.