跳转到主要内容

健康计划

短期健康保险选择

501670568

短期医疗-黄金规则保险公司

为变革的时代而设计

生活有曲折,有时意味着你需要尽快找到一种健康保险。

  • 你找到了一份新工作,但不得不等待公司的健康保险开始生效
  • 你现在的健康计划就要到期了
  • 你的副业已经变成了一份全职的、自我雇佣的工作

快速灵活的短期医疗保险F9对于那些预料之中或意想不到的人生转折,计划可能只是一个合适的临时健康计划解决方案。在许多情况下,最快明天就申请保险。

了解更多关于短期医疗计划

短期计划由黄金法则保险公司,UnitedHealthcare公司提供廉价覆盖医生办公室访问,访问,住院,实验室,和最处方,在某些情况下,一旦你申请和申请得到批准,你可以开始你的计划在一天。

6500 +

6500多家医院和其他医疗设施是我们全国网络的一部分F1

140万+

获得140万名医生和其他保健专业人员提供的优质保健服务。F1

300000 +

通过黄金规则短期计划获得医疗保健的人

为什么是短期-黄金法则保险公司

谁能享受短期健康保险F9

你开始自己的事业,不再有团体保险。你正在找工作眼镜蛇的报道不符合你的预算。你提前退休了,需要保险,直到医疗保险就开始了。有些时候,我们需要在医疗保险方面建立一个有利于预算的桥梁。如果你正处于这样的时期,短期医疗计划可能会有所帮助。

自由职业者

或季节性工人

之间的工作

刚毕业或失业

填补这一空白

等待其他报道的开始

家庭需要

需要健康检查的儿童

退休早

需要一个通往医疗保险的桥梁

选择正确的计划

你有多少时间使用你的健康计划?

很少

通过选择更高的免赔额和更高的共同保险,你可以节省保险费。只要记住,当你使用你的保险时,这意味着更多的自付费用。许多Value计划取消了处方药的覆盖以降低成本。

推荐方案:数值直接或数值选择A

每年

对于易于使用的计划,选择加精英。符合扣除免赔额,其余的符合条件的医疗费用,每人每项涵盖100%。在可用的情况下,首要精英还占用100%,扣除100%,但为整个家庭扣除一次!

推荐方案:加上精英或高级精英

定期

选择一个共同支付计划支付一个固定的医生访问的次数,而不必满足医疗扣减额第一。在某些计划中,等待期适用于疾病。所有的计划都使用网络重新定价来降低你的医疗费用!

推荐方案:元钱

短期医疗选择-黄金法则保险公司

短期医疗计划

看看他们的福利,比较一下保险计划

各州的医疗保险计划各不相同,但覆盖范围包括医生办公室和急诊、去急诊室、住院、预防保健、处方等等。开始你的在线短期健康保险报价现在。

短期内常见问题

短期保险计划,有时称为临时健康计划,帮助提供有限时间的健康覆盖。F9看到短期计划选项今天和应用。

短期或临时健康保险计划可能有意义,如果您是:

  • 把你父母的保险注销
  • 之间的工作
  • 没有医疗保险,错过了开放注册,没有特殊注册的资格事件
  • 等待你的平价医疗法案(ACA)开始覆盖
  • 等待在新工作开始的好处
  • 等待医疗保险
  • 需要一个临时替代COBRA保险
  • 离婚后失去保险
  • 65岁以下,身体健康

在这些情况和其他情况下,你发现自己暂时缺乏医疗保险,选择短期医疗保险计划可能只是你需要的保障,让你进入你的人生的下一个阶段。

在很多情况下可以在第二天申请。

不。您可以在任何时候申请短期或临时健康保险。这不同于平价医疗法案(ACA)的覆盖范围,也被称为奥巴马医改,你只能在每年开放注册期间或在合格的特别注册期间购买。

不。短期计划不是ACA或奥巴马医改的健康计划。虽然ACA和短期健康保险计划都涵盖你生活中的主要健康事件,但它们有重要的区别。

ACA的健康计划是有保障的,这意味着你不能因为先前存在的疾病而被拒绝投保。此外,ACA的健康计划必须包括10项基本健康福利:

  1. 生病和受伤的医生门诊和其他门诊服务(流动服务)
  2. 紧急服务
  3. 住院治疗
  4. 产妇和新生儿护理
  5. 精神健康和物质滥用障碍服务
  6. 处方药覆盖
  7. 康复和适能服务和设备(中风后重新学习走路和提高无障碍说话能力)
  8. 实验室测试和服务
  9. 预防和保健
  10. 儿科服务(包括口腔护理和视力护理)
相比之下,短期健康保险不需要覆盖所有这些福利,所以计划可以在覆盖的范围上有所不同。此外,短期保险计划通常不包括已经存在的医疗状况。您必须申请并回答一系列的医疗问题,以确定您是否有资格参加这些计划。

是的,在很多情况下,你可以用短期保险覆盖你的配偶和家属。注意:状态变化确实适用。在一些州,你可能不能包括配偶和受抚养人。在你可以享受医保的州,所有家庭成员都将面临相同的一系列医疗问题,以确定他们是否符合该计划的条件。

短期健康保险不是ACA所定义的“最低基本覆盖范围”。自2019年1月1日起,没有最低基本覆盖的联邦税收罚款。

然而,各州的税收处罚可能仍然不同。更多信息请咨询你的税务顾问。

短期医疗保险通常不包括已经存在的医疗状况。各州对“既存疾病”的定义各不相同,但一般而言,短期健康保险计划不包括在过去两年内被诊断或治疗的疾病。

如果你有一个现有的医疗状况,你可能想知道你是否可以延长你现有的保险。雇主资助的保险可以在COBRA(或类似的州计划)下延长。

是的。您可以做出一些选择,以帮助您找到适合您的情况的最佳短期健康保险费用:

选择更高的免赔额。免赔额是指在保险公司支付任何费用之前,你必须支付的保险计划所涵盖的费用。如果你选择一个更高的免赔额,意味着你在保险开始支付之前支付更多,你可以减少你的保险费。

预付全部保险费。在一些有短期保险计划的州,如果你能支付你想要投保的时间的总保费,你可以节省18%一次性付清。

选择一个收益较少的计划。不是所有的短期健康保险计划都是一样的。你会发现不同的保险等级和不同的保险价格。例如,你可以控制你的计划是否包括共同支付,你支付的固定金额,看医生的办公室或如果你想包括处方药保险。

呆在网络。在UnitedHealthcare广泛的网络中选择一个医疗服务提供商或专家可能会帮你省钱,因为这些提供商同意以较低的价格提供高质量的医疗服务。

不,因为临时保险计划不是ACA所定义的最低基本覆盖,因此您没有资格获得税收补贴,以帮助支付它们。但是,一般而言,短期健康保险计划费用低于ACA卫生计划。

联邦政府规定,短期有限期限保险的期限不得超过12个月(364天)。然而,任期长短因州而异。查看你所在州的计划手册了解细节。

没有问题。你可以在任何时候取消你的保险而不受惩罚。

管理短期计划的联邦规定允许可再生保险的最长期限为36个月。一些州将只允许短期健康保险计划发行的特定时期,不能延长。

在其他州,你可以申请连续的保险计划,总保险期限超过一年。

最后,在一些州,当你的任期结束时,你可以申请一个新的短期计划。F12但请记住,这不是你第一个计划的延伸。您在第一份保险计划中出现的任何疾病或状况将被视为新保险计划的既存状况。

是的,很可能你能。UnitedHealthcare提供了美国最大的网络之一,可以接触到近140万名医生和其他卫生保健专业人员,以及大约6500家医院和其他医疗设施,F1很可能你现在的医生已经是我们全国网络的一部分。

我们网络中的医疗专业人员同意以较低的费用为您提供高质量的医疗服务。

不一定。你的免赔额是在保险公司支付任何费用之前,你必须支付的保险计划所涵盖的费用。由黄金法则保险公司承保的短期医疗保险计划允许你从几个选项中选择你最舒适的免赔额。

在一些短期计划中,如果你的定期网络医生的访问被包含在计划中,你的医生提供远程医疗服务,你可以利用网络协商低价格的服务。你的保险计划的免赔额和共同保险费率适用于这种情况。

某些计划提供虚拟护理骑士,额外成本将提供与24/7的董事会认证的医生无限制的虚拟访问,无需额外咨询费。如果您需要快速护理,这可能是一个好的选择。

有时。一些临时保险计划可以提供处方保险。检查具体计划的细节。

有时。一些临时保险计划提供有限的预防保健保险。检查具体计划的细节。

不。您在使用我们的网站时没有义务。在提交申请后,你可以在承保过程中的任何时候取消申请。

不过,请注意,在某些情况下可能需要支付申请费。

不。有些健康计划会让你选择a初级保健提供者或初级保健医生(PCP)成为照顾你的主要医疗专业人员。短期医疗保险计划F13你可以在任何时候去任何你选择的合格的医疗保健机构。注意:有些计划可能要求您选择健康计划网络中的提供商来获得您的福利。

不。转诊是一种预先批准的类型,一些健康计划要求你的初级保健提供者(PCP)必须为你介绍另一名医生或为该计划涵盖的特定服务。短期医疗保险计划F13你可以直接去看任何你选择的专家,而不需要转诊。注意:有些计划可能要求你与健康计划网络中的专家呆在一起,以获得你的福利。

TriTerm医疗保险是短期保险,持续时间近3年。

学习更多的知识。


呼叫我们-说明

打电话给我们

需要帮助找到适合的健康计划?致电我们的许可经纪人1-800-273-8115

看到这个计划

准备好查看你的健康计划选项了吗?让我们开始吧。

其他选项

你的健康计划满足你的所有需求吗?寻求医疗保险通常不提供的帮助。

www.ambest.com","F82":"UnitedHealthcare Global is part of UnitedHealth Group, Incorporated, a Fortune 10 company. Travel assistance services may be provided by or through UnitedHealth Group entities, and/or the UnitedHealthcare Global brand. SafeTrip Insurance Products are underwritten by U.S. Fire Insurance Company and Crum & Forster Segregated Portfolio Company (SPC), which are not related to UnitedHealth Group, Incorporated or the UnitedHealthcare family of companies.","F83":"UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company is the underwriter and Dental Benefit Providers, Inc. is the administrator of these dental plans.","F84":"Personal insurance is not the same as COBRA, so review your COBRA information carefully.","F85":"A terminated employee may be eligible for continuation of coverage under federal or state law. Check with your former employer.","F86":"Bureau of Labor and Statistics, “Labor Statistics from the Current Population Survey,” 2014.","F3":"2014 Website Functionality Benchmark: US Health Insurance Plan Public Sites, Forrester Research, March 2015.","F4":"The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy 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). Your policy might also have lifetime and/or annual dollar limits on health benefits. 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.","F5":"Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.","F6":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F7":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Products vary by state. 7 HealthiestYou is not an insurance product and is provided by Teladoc®.","F8":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F9":"Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. 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). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. 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. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F87":"Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.","F10":"THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F18":"Benefits vary by plan. Check brochure for details.","F14":"Murphy, Brooke. 21 statistics on high-deductible health plans. Becker’s Hospital CFO. May 19, 2016.","F15":"Benefitfocus. The State of Employee Benefits: Insights and Opportunities Based on Behavioral Data. Large Employer Edition, 2016.","F16":"HSAs are not available solely in conjunction with fixed indemnity insurance plans. You must have a qualifying high-deductible health plan to qualify for an HSA.","F11":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.","F88":"This product provides limited benefits. This is a supplemental to health insurance and is not a substitute for major medical coverage.","F17":"National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from https://www.nidcr.nih.gov/datastatistics/finddatabytopic/dentalcaries/","F12":"Some states excluded.","F19":"Benefits must be assigned to providers to receive reduced rates.","F20":"2015 Comparative Price Report Variation in Medical and Hospital Prices by Country. International Federation of Health Plans. Retrieved from http://www.ifhp.com/","F21":"All products require separate applications. Separate policies or certificates are issued.","F22":"Intensive care or critical care hospitalization benefits are subject to a 31-day maximum per confinement. If more than one surgery occurs during any given day, the highest tiered amount is paid.","F23":"Available after a 6-month waiting period.","F24":"Drug discount card is for prescription discounts only. This is not insurance.","F35":"To enroll in a Medicare Advantage plan, you must first be enrolled in Medicare Part A and B.","F36":"You must continue to pay your Medicare Part B premium.","F26":"This applies only if you choose a Silver plan on the federal Health Insurance Marketplace or your state's marketplace.","F27":"Premiums do not count toward deductibles. Usually copays do not count toward deductibles. Check your plan brochure for more information.","F13":"Underwritten by Golden Rule Insurance Company.","F32":"THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expenses incurred.","F33":"Availability varies by state. CO, CT, ID, MI, PA, and TN have Accident ExpenseGuard only.","F34":"Subject to a lifetime maximum.","F89":"CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.","F2":"Ratings as of 12/18/2020. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.","F1":"UnitedHealth Group Annual Form 10-K for year ended 12/31/20.","F37":"This product provides limited benefits. This coverage provides a Term Life insurance policy with an optional Critical Illness Benefit that pays cash benefits for a qualifying critical illness. Term Life SafeGuard is not major medical or comprehensive health insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.","F38":"THIS PRODUCT PROVIDES LIMITED BENEFITS. HOSPITAL SAFEGUARD IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. This product provides benefits in a stated amount regardless of the actual expenses incurred.","F39":"Source: American Heart Association, Heart disease and stroke statistics—2016 update: A report from the American Heart Association [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350. http://professional.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_480086.pdf.","F40":"Consult your tax advisor; restrictions may apply.","F41":"Gen Re Research. U.S. Critical Illness Insurance Market Survey Summary, Highlights of 2018/2019 Results. Retrieved from https://www.genre.com/knowledge/publications/surveylhci19-en.html","F42":"Diagnosed more than 90 days after effective date to receive full benefit. Benefit is less if diagnosis occurs between 30-90 days.","F43":"Benefits available once every 12 months.","F44":"Product is medically underwritten.","F45":"Optional benefits require an additional premium cost. Products vary by state.","F46":"Waiting periods may apply.","F47":"American Heart Association. 2020 Heart Disease and Stroke Statistical Update Fact Sheet At-a-Glance. Retrieved from https://www.heart.org/-/media/files/about-us/statistics/2020-heart-disease-and-stroke-ucm_505473.pdf?la=en","F48":"Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other’s contractual or financial obligations.","F49":"Based on pharmacy’s usual and customary price. Actual savings may vary.","F50":"Short-term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. 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 service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until open enrollment period to get other health insurance coverage. This is not Minimal Essential Coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F51":"Premium amount is expected to change for the second and third policy/certificate terms. Some TriTerm Medical Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F52":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F53":"Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.","F54":"THIS PRODUCT PROVIDES LIMITED BENEFITS. THIS IS AN ACCIDENT POLICY THAT INCLUDES CRITICAL ILLNESS AND ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.","F55":"THIS IS A LIMITED BENEFITS POLICY. IT PAYS FOR BENEFITS FOR CRITICAL ILLNESSES ONLY AND DOES NOT PROVIDE COVERAGE FOR ANY OTHER MEDICAL CONDITIONS. YOU SHOULD MAINTAIN SEPARATE COMPREHENSIVE HEALTH COVERAGE.","F90":"This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year.","F91":"Ingenix, now known as Optum Insight, Inc. (\"Optum Insight\"), is a wholly-owned subsidiary of UnitedHealth Group Incorporated. Under a January 2009 settlement agreement between UnitedHealth Group Incorporated and the New York Attorney General, Ingenix's Databases closed, and United no longer uses any Ingenix Database to pay out-of-network claims."}">

UHOSTMA4

Baidu