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Compare Short Term Health Insurance with Renewable Health Insurance
If you do not qualify for health insurance through an employer then you may need individual health insurance policy. The biggest challenge may be finding a personal health insurance plan that fits your budget and provides the coverage you need. The chart below from Golden Rule Insurance Company may help clarify the differences in your coverage options and help you determine whether a UnitedHealthOne personal health plan or UnitedHealthOne Short Term Medical insurance plan is best for you
| Short Term Health Insurance | Health Insurance | |
| Who is this health insurance for? |
UnitedHealthOne Short Term Medical plans can
provide an affordable option for individuals
and families who are in transition from one
life event to another. Plus, healthy
individuals can secure nearly immediate
coverage — as early as the very next day.
|
UnitedHealthOne personal health plans can provide an affordable option for individuals
and families who are in need of quality health coverage for a longer period of time.
|
| What is the length of health insurance coverage? | Short Term Medical coverage can last from 1-11 months.3 | UnitedHealthOne personal health insurance is guaranteed renewable for as long as you need coverage, as long as premiums are paid on the policy. |
| What is the type of health insurance coverage? | Comprehensive medical insurance coverage | Comprehensive medical insurance coverage |
| Is the health insurance renewable? | No, Short Term Medical is not renewable, but you may apply for additional short term coverage (subject to state restrictions). | Generally, you may renew coverage by paying the premium as it comes due. |
| How long does it take to complete a health insurance application? |
 Complete the application in as little as 7 minutes.4 |
Complete the application in as little as 15 minutes.4 |
| What is the health insurance application process like? |
Short Term Medical health insurance applications are substantially shorter and easier to complete. Coverage can start as early as the very next day. |
UnitedHealthOne personal health applications are underwritten and, therefore, include more questions. Coverage can start as early as 30 days from the time Golden Rule receives the application. |
| How much are health insurance premiums? | Short Term Medical health insurance premiums are typically much lower than individual health insurance premiums. |
While UnitedHealthOne personal health insurance premiums may be higher than short term insurance premiums, UnitedHealthOne personal health insurance is generally renewable for as long as you need the coverage. |
| What health insurance deductibles are available? | Short Term Medical health insurance deductibles range from $500 to $10,000. | UnitedHealthOne personal health insurance deductibles range from $1,000 to $10,000 — a wide variety to fit anyone's budget. |
| Is preventive care included in the health insurance? | No | Yes |
| What network is included with the health insurance? | Full access to the UnitedHealthcare Choice Plus network in most areas. You can find many providers in your area with more than 700,000 physicians and care professionals and 5,200 hospitals nationwide in the UnitedHealthcare network. Plus, our network can offer you provider discounts of up to 50% on quality health care. | Full access to the UnitedHealthcare Choice Plus network in most areas. You can find many providers in your area with more than 700,000 physicians and care professionals and 5,200 hospitals nationwide in the UnitedHealthcare network. Plus, our network can offer you provider discounts of up to 50% on quality health care. |
| Can I see a specialist with the health insurance? | Yes. There are no primary care physician/specialist referrals required. | Yes. There are no primary care physician/specialist referrals required. |
| Are there any preexisting condition limitations? | No benefits are payable for preexisting conditions with Short Term Medical plans. Previous covered conditions will be considered preexisting under subsequent certificates/policies. | Generally, treatment for these conditions that are not fully disclosed and not excluded/limited by underwriting will not be covered during the first 12 months of coverage. Does not apply to covered persons under 19 years old. |
| What is the health insurance lifetime maximum benefit per person? | $1,000,000 | N/A |
| How much will health insurance cost? |
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Footnotes:
1 UnitedHealth Group Annual Form 10-K for year ended 12/31/09.
2 Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law.
3 1-4 months in CO, KS, NH and 1-6 months in AK, DE, GA, KY, LA, SC, SD, WY.
4 For single coverage, with little to no prior health conditions.
5 Discounts vary by provider, geographic area, and type of service.
6 Preexisting conditions for CO, DE, KY, LA differ, see product brochure for more information.
OnlineNavigator is a trademark of Freedom Benefits Association, P.O. Box 333, Newport NJ 08345. Tony Novak is an independent insurance producer licensed in all states and the District of Columbia. Other company names, products or trademarks are not affiliated with OnlineNavigator or Freedom Benefits. UnitedHealthOne is a brand name used for products underwritten, administered, and/or provided by Golden Rule Insurance Company (Indiana domiciled, CA certificate of authority number 4407), American Medical Security Life Insurance Company (Wisconsin domiciled, CA certificate of authority number 08079), PacifiCare Life and Health Insurance Company(Indiana domiciled, CA certificate of authority number 5813), PacifiCare Life Assurance Company (Colorado domiciled, CA certificate authority number 5814), Oxford Health Insurance, Inc., Oxford Health Plans (NJ), Inc., or UnitedHealthcare Insurance Company. UnitedHealthcare Services, Inc., Dental Benefit Providers, Inc., Spectera, Inc. Health Insurance plans are medically underwritten and availability varies by state. Coverage may be provided by multiple policies/certificates. Additional Products are provided by: Careington International Corporation. EyeMed Vision Care, or International Medical Group, Inc. (Indiana domiciled). This Web site and its contents are not intended for use in New Mexico and online quotes are not available in South Carolina. Residents of these states should see the alternate listings and individual insurance exchange information at www.FreedomBenefits.net .
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