How We Chose The Health Insurance Companies
We looked at short-term health insurance plans through insurance companies and independent health insurance marketplaces to discover what options exist. We investigated the waiting periods, qualifications, coverage types, common exclusions, maximum limits, deductibles, and copays across the different plans. Our goal was to highlight some of the best short-term health insurance options offered through reputable insurance companies to help you compare and decide if short-term health insurance is a good idea for you.
United Healthcare Short Term Health Insurance
Consumers want catastrophic health insurance plans with low premiums. UHC short term plans fit that bill. There are several deductibles to choose from with and without coinsurance.
Deductibles will range from $2,500 $12,500 in most areas and different coinsurance options. Most common are 80/20 plans. Depending on the rules in your state, plans can be purchased to cover just a few months or up to three years. This means no medical underwriting is necessary for three years the plan automatically renews.
Most plans carry a lifetime maximum of $2 million per insured person. And most importantly, all plans are PPOs. This means you can see doctors in and out of their very large network. One drawback to ACA plans is most are HMOs with smaller networks. This is not the case with United Healthcare short term PPO policies.
Is My Virtual Visit Covered By Insurance
Cleveland Clinic provides virtual visits for your convenience and health. Virtual visits are not covered by all insurance plans. In order to fully understand your benefits and potential cost, contact your insurance company and ask if virtual visits are included in your plan and if not, what it may cost you.
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What Is The Golden Rule In Health Care
Golden Rule is a subsidiary of United Healthcare . Golden Rule issues individual major medical plans in select states. Most of the policies do include mental health benefits as required by your state department of insurance. In some cases you may buy up from the standard mental health benefit to an enhanced plan.
How Do I Cancel My United Healthcare Golden Rule
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Instead of sending a disenrollment request to UnitedHealthcare you can also call Medicare at 1-800-633-4227, 24 hours a day, 7 days a week, to disenroll by telephone. TTY users should call 1-877-486-2048. If you have any questions, please call the number on the back of your member ID card.
is Golden Rule Insurance part of UnitedHealthcare? A leading provider of health insurance for individuals and families for 65 years, Golden Rule has been a UnitedHealthcare company since 2003. Applicants are not required to have any other insurance plans through Golden Rule or its affiliates.
Also, what is United Healthcare Golden Rule?
Golden Rule Insurance Company was a provider of health insurance based in Indianapolis with operations in 40 U.S. states and the District of Columbia. It was acquired by UnitedHealth Group in November 2003. It was closely involved in the establishment of health savings accounts and the related tax incentives.
Is United Health One the same as United Healthcare?
UnitedHealthOne has been in the health insurance business for over 65 years. It is a leader in U.S. health insurance companies and is in fact the largest healthcare insurer in the United States. It is the brand name of the parent company, UnitedHealthcare.
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Golden Rule Insurance Company Reviews
I am currently covered under a short term health insurance policy through Golden Rule / United Healthcare. This policy covers my husband, children and I. We live in Hudson, Ohio and are able to access a wide range of healthcare services using our coverage, though our coverage is NOT Affordable Care Act compliant. Its NOT Obamacare, which I was told several times. We had no choice but to buy short term coverage so we could keep our doctors. We receive very good coverage and our biggest concern is to save money and have good coverage in the unlikely event that we would need to be in the hospital. I do wish that our insurance plan had a lower deductible but its a great plan for the price. And the deductible is still only $2500 and Obamacare wanted us to have a $13,000 coverage, and the Obamacare was more money. But really, I have no complaints about the policy and the access to the PPO network is the main reason we really wanted this plan. We want the right hospitals if someone ends up hospitalized.
Also I must mention that we were happy that my husband had no rate increase on the premium though he is a bit heavy. I remember in the past he had to pay more money due to his weight.
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How Do You Compare Short
There are a few factors you should keep in mind when shopping for short-term health insurance:
- Coverage limits: Most short-term plans have coverage limits ranging from a few hundred thousand to a few million dollars.
- Deductibles:The higher your deductible, the more youll have to pay out of pocket before your insurance kicks in. Most short-term health insurance plans have deductibles ranging from $1,000 to $10,000.
- Availability: Short-term health insurance is available in only 39 states, and providers may not operate in all of those states.
- Prescription coverage:Not all short-term health insurance policies cover prescriptions, so be sure to look for a plan with coverage if you take any regular medications.
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Golden Rule / United Health One
UnitedHealthOne is the individual health insurance product from Golden Rule Insurance Company, a UnitedHealthcare company headquartered in Indianapolis, Indiana.
For over 75 years, Golden Rule has offered health insurance to individuals and families and has been a part of the UnitedHealth Group family for nearly a decade. Aligned with the nations largest health insurer, UnitedHealthOne plans provide coverage to millions of Americans in 40 states and the District of Columbia.
Innovator
Golden Rule is also an important innovator in the health care and health insurance industry. Through experience and expertise, Golden Rule has developed easy-to-use health insurance products such as the Health Savings Account plan. In fact, Golden Rule and UnitedHealthcare are among the nations largest providers of HSA plans.
The Health Savings Account allows members to save tax-free money for their health expenses. They are also coupled with consumer-driven high-deductible health plans, which feature catastrophic coverage and lower monthly premiums than most plans.
Customer Satisfaction of Golden Rule
Golden Rule cares about their customers first. In 2008, more than 94 percent of all health insurance claims were processed in 10 working days or less.
Through their toll-free customer service line, Golden Rule also quickly responds to customer questions and concerns.
History of Golden Rule
Unitedhealthcares Golden Rule Insurance Company Offers Critical Illness Coverage To Give Individuals And Families Added Financial Protection
UnitedHealthcares Golden Rule Insurance Company Offers Critical Illness Coverage To Give Individuals and Families Added Financial Protection
UnitedHealthcares Golden Rule Insurance Company has introduced a critical illness insurance plan for individuals and families that provides cash payments to plan participants who are diagnosed with serious illnesses or conditions. The cash benefit can be used to cover living expenses, out-of-pocket medical costs and more.
People enrolled in the critical illness insurance plan can receive a lump-sum benefit payout if they are diagnosed with a specified illness or condition, such as cancer, heart attack, stroke or paralysis. Consumers can choose their coverage amount, available in $10,000 increments up to $50,000.
Our new critical illness plans can provide financial protection as a supplement to health insurance or to help take care of daily living expenses if family income drops as a result a serious illness or injury, said Golden Rule CEO Richard A. Collins.
Someone in America has a stroke every 40 seconds, and more than 1.6 million Americans are expected to be diagnosed with cancer this year, according to recent statistics from the American Heart Association and the American Cancer Society.
For more information, consumers can call 1-800-444-8990, visit www.goldenrule.com or contact a local independent insurance broker who offers UnitedHealthOne health, dental and specialty plans.
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What Type Of Health Insurance Is Golden Rule
A leading provider of health insurance for individuals and families for 65 years, Golden Rule has been a UnitedHealthcare company since 2003. UnitedHealthcares personal health, dental and other specialty plans are offered in 41 states and the District of Columbia, and marketed under the UnitedHealthOne brand.
Is United Healthcare Public Or Private Insurance
UnitedHealth Group Incorporated is an American multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services.UnitedHealth Group. Type Public Founder Richard T. Burke Headquarters Minnetonka, Minnesota, United States Area served Worldwide.
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What Is A Triterm Medical Plan
Available in select states, TriTerm Medical is limited duration health insurance that lasts for nearly 36 months1 over 3 terms. Its designed to provide health insurance for a longer period of time than traditional short-term insurance with the types of benefits you and your family may be looking for.
What Products Does The Insurer Golden Rule Offer
Which of the companies under the UnitedHealthOne brand will underwrite the insurance depends on the state of residence for example, when we attempted to get product information for California we found only dental, critical illness, vision, and prescription discount plans available. Hospital and medical indemnity coverage is offered in the state by a different UnitedHealth subsidiary.
Because of the wide range of health plans and the various versions of those products make it difficult to provide details, we have tried to give an overview of each of the products the company writes. We drew from both California and Indiana to get a look at the products not offered in one single state.
Short Term Medical
The insurer has a variety of short-term medical or temporary health insurance plans designed to provide catastrophic coverage for those that are in between major medical plans for a variety of reasons, including job changes.
Golden Rule plans we saw in Indiana range from 60/40 coinsurance up to 80/20 coinsurance. Deductibles are either $10,000 or $12,500. These are high because this type of plan is meant to be in place to protect against catastrophic medical bills, and not for regular ongoing medical care.
Hospital and Doctor Insurance
The companys Hospital and Doctor health plans pay a flat rate per day to cover fees for inpatient hospital care that are not paid for under major medical insurance.
Dental Care
Vision
Golden Rule Critical Illness
Golden Rule Accident
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Office Copays Prescriptions & Medical Underwriting
Its important to know that short term plans are not the best option for everyone. They dont always offer some of the same benefits as ACA plans. For instance, you might only get one or two office copays with some policies. And they wont cover preventive care at no cost like most ACA policies.
Prescriptions are another concern. Most short term plans will cover Tier I & II generic prescriptions, but not the more expensive, higher Tier ones. If you are on one or more expensive prescriptions, you might be better off with an ACA policy.
And short term policies from United Healthcare require medical underwriting. This means you can be turned down for coverage due to ongoing or past health issues. ACA plans dont do that. And even if you are accepted, preexisting conditions might not be covered. These would be conditions youve been treated for recently.
What Is The Problem With The Golden Rule
A notable limitation of the golden rule is the fact that others might not want to be treated the same way you want to be treated this issue can be addressed by refining the golden rule into a variant called the platinum rule, which suggests that we should treat others the way they themself wish to be treated.
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How Do You Choose The Best Short
Once youve settled on a short-term health insurance provider, the next step is to apply for a health insurance quote. If you decide to select the policy after receiving a quote, youll need to provide information about yourself, including your name, address, and Social Security number. Most short-term insurance providers allow customers to pay for policies online. You typically can manage your policy and make any necessary changes online.
After applying for a short-term policy, youll receive a health insurance card in the mail. Depending on your policy details, some services may be covered as soon as the next day after applying, while others may not be covered for several months. Keep in mind that short-term health insurance is only meant to be a temporary stop-gap there are cheaper plans available on the marketplace during open enrollment.
What Network Does Golden Rule Use
UnitedHealthcare networkOur health, dental and vision plans take advantage of the UnitedHealthcare network of doctors, hospitals, dental providers and vision professionals one of the nations largest for quality care at significant savings. These networks and providers are available all over the United States.
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Best For Customized Coverage: Ihc Health Group
IHC Health Group
- Coverage Limit : Up to $2 million
- No. States Available: 35
The IHC Group offers low- to high-deductible options and the ability to add pre-existing condition coverage, making it the most customizable plan provider that we reviewed.
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Some plans with routine check-ups included
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X-rays and some other diagnostic exams included
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Option of using your own doctor in- or out-of-network
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Lifetime maximums up to $2 million
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Pre-existing conditions covered on some plans up to $25,000
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Highly customizable plans may exclude many coverages
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High deductibles with some plans before you can access coverage
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May be required to join Communicating for America
The IHC Group is an organization of insurance carriers operating short-term insurance plans in 35 states, including member insurers such as Standard Security Life, Madison National, and Independence American Insurance Company.
Your policy will be serviced by one of these companies depending on where you live, and some states require membership in Communicating for America, a national non-profit organization whose mission is to promote health and wellbeing through member benefits. AM Best gives an A- financial strength rating to the IHC Group and Standard Security Life.
AM Best has placed IHC’s financial strength and long-term issuer credit ratings under review after the company agreed to sell a 70% stake in its pet division and other assets.
About Unitedhealthcare Golden Rule Insurance Company
UnitedHealthcare is part of a family of companies that makes up UnitedHealth Group, a Fortune 50 company. That means it is one of the 50 largest companies and the largest health insurer in the United States.
The UnitedHealthcare Employer & Individual division of UnitedHealthcare offers health benefit plans and services to many customers, from national employers and mid-sized and small businesses to individuals and even military service members in some case. UnitedHealthcare Employer & Individual provides access to to medical services for approximately 27 million people. In the United States, UnitedHealthcare also offers access to care through approximately 1.2 million physicians and other health care professionals and 6,500 hospitals and other facilities .
UnitedHealthcare individual insurance products, like short term health insurance, are underwriter by Golden Rule Insurance Company. Golden Rule had served the insurance needs of individuals and their families for decades before UnitedHealthcare purchased them in 2003. Shopping UnitedHealthcare individual insurance products underwritten by Golden Rule means youre browsing products supported by over 75 years of personal insurance experience.
According to the UnitedHealthcare website, A.M. Best has given the company an A rating.
UnitedHealthcare and Short Term Health Insurance
Short Health Insurance Term Plan Availability
Did you know? You can get next-day coverage for half the cost of a full-term health plan. Get Pricing
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Is Short Term Insurance For Me
Short term insurance may be for you if you’re:
- Unable to apply for Affordable Care Act , also called Obamacare, coverage because you missed Open Enrollment and you don’t qualify for Special Enrollment
- Waiting for your ACA coverage to start
- Looking for coverage to bridge you to Medicare
- Turning 26 and coming off your parent’s insurance
- Between jobs or waiting for benefits to begin at your new job
- Healthy and under 65
For these situations and many others, Short term health insurance, also called temporary health insurance or term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.
Progressive Era To World War Ii
Some of the city’s most prominent architectural features and best known historical events date from the turn of the 20th century. The , dedicated on May 15, 1902, would later become the city’s unofficial symbol. won the inaugural running of the , held May 30, , at . Indianapolis was one of the hardest hit cities in the , resulting in five known deaths and the displacement of 7,000 families.
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Health Insurance For Individuals And Families
Choose a product to see where it’s offered:
Or, choose a state to see where it’s offered:
Select state
UnitedHealthcare provides access to health care for 26.2 million Americans.F1
Superior rating from A.M. Best
Golden Rule Insurance Company, which underwrites many UnitedHealthcare branded insurance plans, has been rated “A+” by A.M. Best.F2
Help from a historic brand
Together, UnitedHealthcare and Golden Rule represent over 75 years of personal insurance experience.
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Disclaimers
Product availability varies by state.
Where Do I Get Started
We know that it can be stressful to navigate the insurance coverage process, but we strive to make it as smooth as possible.
We accept a variety of plans from insurance companies at all of our locations. To verify if your insurance plan is accepted for services across our health system, please review our list of accepted insurance companies below.
If your insurance company is accepted by Cleveland Clinic: Please contact your insurance company to confirm what care is covered by your plan as well as information on copayments, deductibles and coinsurance amounts. See what your out-of-pocket expenses will be using our cost estimator.
If your insurance company is not accepted by Cleveland Clinic: This means your insurance plan is considered out-of-network which can lead to greater out-of-pocket expenses for your care. Please contact your insurance company for more information about what your financial responsibility may be if you choose to receive care at Cleveland Clinic. Find more information about Cleveland Clinics out-of-network insurance process.
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