UnitedHealthcare Short-Term Insurance Review (2024)

UnitedHealthcare short-term health insurance rate ranges from $73 to $147 a month for a 25-year-old male, depending on the plan chosen. Our UnitedHealthcare short-term insurance review details the provider's Short Term Medical plans and TriTerm Medical plans, as well as rates, discounts, and pros and cons.

UPDATED: Feb 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 21, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Feb 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Feb 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 21, 2024Fact Checked
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UnitedHealthcare Short-Term Insurance

Average monthly rate for good drivers:

$73

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Extensive provider network
  • Flexible coverage options
  • Competitive pricing
  • Responsive customer service

Cons

  • Limited availability in some states
  • Exclusions for pre-existing conditions
  • Some policy limitations may apply

Final Verdict: Review of UnitedHealthcare Short-Term Insurance

Life can throw curveballs, and some of those might make temporary health insurance a necessity. Through Golden Rule, UnitedHealthcare might be the best option for you, especially if you need coverage for three years or less.

UnitedHealthcare’s short-term insurance offerings provide a valuable solution for individuals seeking temporary healthcare coverage. With a history of excellence, a wide range of products and services, nationwide coverage, and discounts available to qualifying customers, UnitedHealthcare is a trusted provider in the insurance industry. Whether you’re in transition or simply need short-term coverage, UnitedHealthcare strives to meet your needs with professionalism and care.

You should carefully examine short-term plans before you sign up for one. UnitedHealthcare short-term insurance has a lot of coverage options, but you can compare other companies to find the best rates for you and your family.

For more assistance, see our articles How To Correctly Buy Health Insurance: An Expert Guide and Best Health Insurance Quotes.

What You Should Know About UnitedHealthcare

UnitedHealthcare, a subsidiary of UnitedHealth Group, has been serving millions of customers across the United States for decades. Founded in 1977, the company has a long-standing commitment to improving the healthcare system and making quality care more accessible and affordable for individuals and families.

UnitedHealthcare short-term insurance can help when you find yourself between permanent plans. Through Golden Rule insurance, UnitedHealthcare offers short-term plans in 25 states, plus Washington D.C.

UnitedHealthcare Insurance Coverage Options

What is UnitedHealthcare’s short-term insurance?

UnitedHealthcare and Golden Rule Insurance have worked together to provide short-term health policies since 2003. Although Golden Rule was founded in 1940, it primarily serves as UnitedHealthcare’s short-term policy writer today.

As part of the UnitedHealth Group, UnitedHealthcare is a Fortune 500 company with a solid financial presence in the healthcare sector. It’s also the largest healthcare provider in America. Although you purchase short-term insurance through Golden Rule, you’re getting all the power behind UnitedHealthcare.

Golden Rule sells a variety of short-term insurance policies with the option of adding critical illness plans, vision coverage, and dental insurance to your policy. UnitedHealthcare has two short-term options through Golden Rule, which give you access to over 1.4 million providers.

Read more: Golden Rule Health Insurance Company Review

Golden Rule TriTerm Insurance

When Americans look for a job, one of the most important factors they consider is healthcare benefits. However, not all jobs offer affordable options for health insurance. Whether you’re ineligible for benefits, your job doesn’t provide them, or you’re self-employed, there are plenty of reasons why you might need to buy private insurance.

The ideal health insurance plan will stay in effect for as long as you make your payments. Life rarely works exactly the way you’d like, though. When you need to wait for a permanent policy, a short-term plan can keep you covered.

The first of UnitedHealthcare’s short-term insurance policies is the TriTerm plan. This plan is unique among other short-term policies because it allows you to keep it for up to three years. Most short-term plans end after a year, including others offered by Golden Rule.

Another unique feature of the TriTerm plan is the access to expanded healthcare services. Most short-term plans only cover emergencies. However, TriTerm covers both emergency room visits and preventative services. Regular doctor checkups and annual flu shots are included with this plan.

Anyone on your TriTerm plan can visit the doctor when necessary, including when they are sick or have an injury that doesn’t warrant a trip to the E.R. TriTerm doesn’t limit the reasons that you can visit your doctor. However, the first four visits per year will cost you a $50 copay.

Finally, UnitedHealthcare sells add-ons to increase the coverage TriTerm offers, which you won’t find with many other short-term plans. Dental, vision, and accident coverage are available to add to your health coverage if you need them.

Golden Rule’s Short-Term

Short-Term Insurance Plans

  • Flexible Duration: Coverage terms range from 30 days to 364 days, allowing individuals to select a duration that aligns with their specific needs and circumstances.
  • Comprehensive Benefits: UnitedHealthcare’s short-term insurance plans provide coverage for essential healthcare services, including:
    • Doctor visits
    • Hospital stays
    • Emergency care
    • Prescription drugs
  • Exclusions: While UnitedHealthcare’s short-term plans offer comprehensive coverage, it’s essential to note that certain exclusions may apply, such as:
    • Pre-existing conditions
    • Maternity care
    • Preventive services

Short-term health insurance can provide great value and a good solution when you need affordable coverage quickly. Your plan can take effect the day after your application is received, or you can choose a later effective date based on your individual needs.

Michelle Robbins Licensed Insurance Agent

Golden Rule’s basic short-term plan is best for people who don’t need extended temporary health insurance. There are numerous reasons a person might need short-term insurance, but the following are the most common:

  • COBRA health insurance coverage is about to end
  • You have a new job, and you’re waiting to enroll in benefits
  • You missed open enrollment
  • You’re waiting for ACA coverage to start
  • You’re about to be eligible for Medicare coverage
  • A 26-year-old is about to be kicked off their parent or guardian’s plan
  • You’ve lost access to health insurance after a divorce

No matter why you need short-term insurance, you usually need it quickly. Golden Rule’s short-term plan usually takes effect as soon as you sign up for it.

Like more common short-term plans, this policy covers emergency care only.

Golden Rule Supplemental Insurance

While it’s not short-term insurance, you can buy supplemental insurance products through UnitedHealthcare and Golden Rule to expand your healthcare coverage. Permanent plans don’t always cover every health service you need. If that’s the case for you, you can purchase the following supplemental plans:

  • Hospital and doctor
  • SafeTrip travel insurance
  • Dental insurance
  • Accident insurance
  • Critical illness
  • Vision insurance
  • Critical illness
  • Hospital indemnity
  • Term life insurance

With Golden Rule’s supplemental insurance plans, everything from dental work to vision exams is covered.

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UnitedHealthcare Insurance Rates Breakdown

How much does UnitedHealthcare insurance cost?

While short-term health insurance is cheaper than the average health insurance cost, the price of coverage is still determined by a variety of factors, no matter what type of insurance you’re buying. For health insurance, companies look at the following factors:

  • Younger people are less likely to use their health insurance since they typically have fewer healthcare needs.
  • People who use tobacco face more adverse health risks than non-users. Health insurance companies can charge up to 50% more if you use tobacco. See our article, Can your doctor tell your insurance that you smoke?
  • Cost of living, competitor prices, and local laws all affect the price of your insurance.
  • The more people you have on your plan, the more it will cost.

While companies used to look at your health and gender, they are no longer permitted to do so. To see how much you might pay with UnitedHealthcare, look at the graph below.

UnitedHealthcare Short-Term Insurance Cost
Gender & AgeShort Term Medical ValueTriTerm ValueShort Term Medical Plus Elite
Male, 25$73$86$147
Female, 25$75$84$152
Male, 35$84$97$181
Female, 35$94$114$213
Male, 45$113$139$270
Female, 45$119$155$291
Male, 55$157$213$408
Female, 55$150$207$408

The main factor that UnitedHealthcare considers is your location. Since short-term plans have limited coverage and don’t last very long, you won’t get many questions before receiving a quote.

UnitedHealthcare Discounts Available

UnitedHealthcare offers a variety of discounts to help customers save on their insurance premiums. These discounts include:

  • Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as short-term health insurance with other types of coverage like auto or home insurance.
  • Healthy Lifestyle Discount: This discount rewards individuals who maintain a healthy lifestyle by offering savings on their insurance premiums. Qualifying activities may include participating in wellness programs, achieving certain health milestones, or undergoing preventive screenings.
  • Group Discounts: UnitedHealthcare may offer discounts for certain groups or affiliations, such as members of professional organizations or employees of participating companies. This discount encourages group enrollment and can result in significant savings for eligible individuals.

How UnitedHealthcare Ranks Among Providers

UnitedHealthcare operates in a competitive landscape within the health insurance industry, facing competition from several notable competitors. Some of the main competitors of UnitedHealthcare include:

  • Aetna: Aetna, now a subsidiary of CVS Health, is another major player in the health insurance market. Aetna offers a diverse portfolio of insurance products, including short-term health insurance, with a focus on providing innovative solutions and personalized customer service.
  • Blue Cross Blue Shield (BCBS): BCBS is a federation of independent health insurance companies that collectively provide coverage to millions of individuals across the United States. With a strong presence in various states, BCBS offers a wide range of health insurance products, including short-term insurance plans, competing directly with UnitedHealthcare.
  • Cigna: Cigna is a global health services company offering a range of insurance and health-related services. With a focus on promoting health and well-being, Cigna competes with UnitedHealthcare by providing comprehensive coverage options, including short-term insurance plans, to individuals and families.
  • Humana: Humana is a leading health and well-being company that offers a variety of health insurance products, including short-term health insurance. With a focus on consumer-centric healthcare solutions, Humana competes with UnitedHealthcare by providing affordable and customizable coverage options.
  • Kaiser Permanente: Kaiser Permanente is an integrated managed care consortium known for its unique model of providing both healthcare services and insurance coverage. Operating primarily in select regions, Kaiser Permanente offers competition to UnitedHealthcare with its comprehensive healthcare offerings, including short-term insurance plans. (For more information, read our “Kaiser Permanente Insurance Review & Complaints: Health Insurance“)

These competitors, along with other regional and national health insurance providers, contribute to a competitive marketplace where UnitedHealthcare must continually innovate and differentiate its offerings to attract and retain customers.

UnitedHealthcare Insurance Reviews

As one of the largest sellers of health insurance in the country, UnitedHealthcare has a lot of online reviews. Unfortunately, not all of its customers are happy.

Happy customers typically mention that the level of customer service from Golden Rule agents is appreciated. Agents that work under the UnitedHealthcare name don’t fare as well, as they are called robotic and insincere.

Unsatisfied customers say that the claims process is a nightmare. UnitedHealthcare is unwilling to help many customers with simple things, like replacing medication that was accidentally thrown away. Some people say it’s difficult to find a participating doctor in their area. Others feel lied to about their coverage and the requirements UnitedHealthcare insists on for specialty care.

Many customers say Golden Rule is reluctant to pay claims on short-term plans and that Golden Rule and UnitedHealthcare misrepresent what is covered by the short-term plans. An alarming number of customers were surprised to find that their insurance did not cover their doctor’s visits. (For more information, read our “Short-Term Car Insurance Coverage: An Expert Guide“).

Professional ratings are a little better. The Better Business Bureau gives UnitedHealthcare an A+, but hundreds of complaints are listed on the site.

A.M. Best also gives UnitedHealthcare a good rating, meaning it has strong financial stability.

Case Studies: UnitedHealthcare Short-Term Insurance

Case Study 1: Mark’s Bridge Coverage

Mark recently lost his job and, along with it, his employer-sponsored health insurance. He needed a temporary solution to bridge the gap until he found new employment. Mark decided to explore UnitedHealthcare’s short-term insurance options through Golden Rule Insurance.

He opted for their short-term plan, which provided coverage for emergencies during the transition period. This allowed Mark to have some peace of mind knowing he had temporary coverage until he secured a new job with health benefits.

Case Study 2: Sarah’s Affordable Option

Sarah, a recent college graduate, found herself without health insurance after aging out of her parent’s plan. As she began her job search, she wanted a cost-effective solution to ensure she was covered in case of any unexpected health issues.

Sarah chose UnitedHealthcare’s basic short-term plan offered through Golden Rule Insurance. Although this plan only covered emergency care, it provided her with the necessary coverage at an affordable price during her job search and transition period.

Case Study 3: Alex’s Supplemental Coverage

Alex had recently retired and was no longer covered by his employer’s health insurance plan. While he qualified for Medicare, he wanted additional coverage to complement his benefits. Alex decided to explore Golden Rule Insurance’s supplemental insurance plans offered in partnership with UnitedHealthcare.

He added dental and vision coverage to his existing Medicare plan, ensuring comprehensive coverage for his healthcare needs.

Frequently Asked Questions

What is UnitedHealthcare short-term insurance?

UnitedHealthcare short-term insurance is a type of temporary health insurance coverage that provides individuals and families with medical benefits for a limited time.

It is designed to bridge gaps in coverage during transitional periods, such as job changes, waiting for employer-sponsored coverage to begin, or life events like college graduation.

How long does UnitedHealthcare short-term insurance coverage last?

The duration of UnitedHealthcare short-term insurance coverage can vary, but it typically ranges from a few months to a year, depending on the specific plan. Short-term insurance plans are not intended to provide long-term coverage and are not renewable.

What types of benefits are offered by UnitedHealthcare short-term insurance?

UnitedHealthcare short-term insurance plans typically offer a range of essential health benefits, which may include coverage for doctor visits, hospitalization, emergency care, prescription drugs, and some preventive services. However, the exact benefits can vary based on the specific plan chosen.

Can I choose my healthcare provider with UnitedHealthcare short-term insurance?

UnitedHealthcare short-term insurance plans usually provide flexibility in choosing healthcare providers. While some plans may have a preferred network of doctors and hospitals, you can often visit out-of-network providers as well. Review the details of the plan to understand the network options and any associated costs.

Who is eligible for UnitedHealthcare short-term insurance?

Generally, individuals and families who are under the age of 65 and are not eligible for traditional health insurance coverage may be eligible for UnitedHealthcare short-term insurance. But note that these plans may not be available in all states or may have specific state requirements.

How do I apply for UnitedHealthcare short-term insurance?

You can apply for UnitedHealthcare short-term insurance online or by contacting a licensed insurance agent. The application process is typically straightforward and can be completed within minutes.

How quickly can I get UnitedHealthcare short-term insurance coverage after applying?

Approval typically occurs within a few business days, with coverage starting soon after.

What is the disadvantage of UnitedHealthcare?

The downside of UnitedHealthcare is its middle-of-the-road customer satisfaction ratings. While it scores well in Florida, customers rate the company as about average in most markets according to the latest J.D. Power survey. That average performance is not as strong as some of the top-ranking companies, like Humana.

What is the best short-term health insurance?

UnitedHealthcare short-term health insurance is considered best regarding copays and its provider network. Epic Base and Pivot Health are best for 0% coinsurance option. Everest and Flex Term Health Insurance are best for low out-of-pocket costs. And, Select Max is considered best for prescription drug benefits.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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