This policy has exclusions, limitation, reduction of benefits, terms under which the policy may be continued in force or discontinued. Other products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. Administrative services provided by United HealthCare Services, Inc. in MI UnitedHealthcare of Mississippi, Inc. in MD and VA UnitedHealthcare Community Plan, Inc. UnitedHealthcare Insurance Company in AL, KS, LA, MO, and TN Optimum Choice, Inc. UnitedHealthcare of Georgia, Inc UnitedHealthcare of Illinois, Inc. Rocky Mountain Health Maintenance Organization Incorporated in CO UnitedHealthcare of Florida, Inc. UnitedHealthcare Individual & Family plan medical plan coverage offered by: UnitedHealthcare of Arizona, Inc. References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.Įach company is a separate entity and is not responsible for another's financial or contractual obligations. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Additional membership fees may be required. Product design and availability vary by state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Short term plans are medically underwritten.Need long-term coverage for you and your family.Can't get health insurance through work.Are in between jobs or waiting for benefits to start.Turned 26 and are coming off a parent's plan.Missed open enrollment and don't qualify for a Special Enrollment Period (SEP).Short term plans offer limited coverage for a limited time.ĪCA plans offer comprehensive coverage for a full calendar year as long as you pay your premium. Depending on your income, you may be eligible for government subsidies to help lower the cost of an ACA plan. Short term plans can help you get the benefits you need in times where you may have a gap in coverage - like when you're in between jobs or waiting for other coverage to start.ĪCA plans are sold on the health care Marketplace (also called the Exchange). ![]() ![]() ![]() Difference between short term plans and ACA plans Short term health insurance plans
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