What A Short Term Health Insurance Plan Is
A Short Term insurance plan is designed to be a flexible and affordable option available for those who need temporary coverage. It can last nearly a year in some states1 and can be purchased outside of Open Enrollment.
Different names/Same Coverage: “Short Term Limited Duration Insurance (STLDI) is also referred to as “Temporary insurance” and “Short Term Medical insurance.”
In addition to being designed to be a budget-friendly health insurance option, Short Term insurance offers 4 big benefits:
Next-day Coverage Available: The application process usually takes only a few minutes, and you can use your new insurance the next day in many cases.2
Apply Anytime You Want: You can apply for Short Term insurance any time of year and are not limited to Open Enrollment. You can also cancel whenever you’d like.
Have Access to a Sizable Selection of Doctors: Short Term health insurance plans often offer access to large networks of doctors and health care facilities. For example, the network access for Short Term plans underwritten by Golden Rule Insurance Company is one of the largest in the nation.3
Choose A Plan That Works For You: With different deductible, coinsurance and benefit levels, you can choose the plan that works for you and your budget.
1 In many states, the maximum duration for Short Term plans is just under 12 months.
2 Waiting periods for some coverages may apply.
3 UnitedHealth Group Annual Form 10-K for year ended 12/31/22.
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Short term health insurance is medically underwritten and does not cover preexisting conditions.
This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable.