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UnitedHealthOne

Short Term MedicalSM Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition:

  • New graduate that can no longer be on their parent’s insurance – health care insurance options for grads and learn about student health insurance
  • In-between jobs – health insurance plans to fit your budget
  • Waiting for benefits to begin at a new job
  • Early retirees waiting for Medicare
  • As temporary alternative to COBRA insurance1

Because we know that life can change quickly, our short term insurance plans give you the flexibility to drop your coverage at any time without penalty; or apply for another term of coverage.2 Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Temporary insurance plans are usually more affordable than traditional individual health coverage. Take a few minutes to check out our short term insurance quotes and see for yourself! Don’t forget to explore our prescription drug discount cards and prescription drug copay coverage, too.

Short Term MedicalSM Value

  • Costs less than our Copay and Plus plans
  • Deductible amount goes toward each illness or injury; not per term
  • Deductibles from $500 to $5,000 per cause; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
  • $4,000 Coinsurance out-of-pocket maximum per cause

Short Term MedicalSM Copay

  • $35 in-network doctor office visit4
  • Prescription drug copay coverage5
  • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
  • $4,000 Coinsurance out-of-pocket maximum per term

Short Term MedicalSM Plus

  • Offers more coverage than Value plan
  • Great for those who seek predictable out-of-pocket expenses
  • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $10,000, then we pay 100% of covered expenses after that
  • $2,000 Coinsurance out-of-pocket maximum per term