UnitedHealthcare Short-Term Plans

UnitedHealthcare short-term plans offer a wide range of benefits as well as fast turn-around times for healthcare plan enrollment. In fact, you could be covered as quickly as within a day following submission of your application.

Fast Coverage

UnitedHealthcare has a very large network that offers advantages over other insurers. Providers have agreed to lower costs for covered expenses, and these savings are passed on to consumers.

Due to the sheer size of the company’s network, UnitedHealthcare members can find plenty of doctors and hospitals across the nation. People who travel frequently will be pleased to find in-network care as short-term plans don’t pay benefits for out-of-network care.

Short-term plans don’t meet the ACA’s minimum essential benefit provision. Also, there are limitations and restrictions that you should understand before enrolling in any healthcare plan. Be sure to carefully evaluate plan documentation and consider both benefits and limitations.

How UnitedHealthcare Short-term Plans Work

Short-term plans offered by UnitedHealthcare have a minimum coverage of 30 days while the maximum coverage depends on what’s allowed by the state in which you reside. You just need to choose your deductible and coinsurance amount – a percentage of shared covered medical expenses.

Once you meet your deductible, you’ll pay your coinsurance, and UnitedHealthcare will pay 100 percent of the remaining covered expenses within the lifetime maximum benefit specified.

The first step you’ll need to take is to decide on the maximum lifetime benefit as that will narrow down available choices . UnitedHealthcare short-term plans carry a maximum benefit of either $250,000, $600,000, or $2 million.

From there, you can better evaluate deductibles, coinsurance, copays, and other options available to you.

Customized Coverage

UnitedHealthcare offers a wide range of short-term healthcare plans and options.

Short-Term Medical Value, Short-Term Medical Co-Pay Plus, and Short-Term Medical Value Select

These UnitedHealthcare short-term plans limit the maximum lifetime benefit to $250,000. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible of $1,000, $2,500, $5,000, $10,000, or $12,500, among other options. Eligible plans’ types of deductibles may be changed from “per cause” to “per term,” offering one amount to meet according to the plan’s coverage period and fewer out-of-pocket medical costs.

Your portion of coinsurance is either 40 percent or 20 percent with a maximum of $10,000 or $5,000, respectively. There is a $75 copay for urgent care, and some plans have a $50 copay for office visits. Outpatient services carry a $250 copay.

Inpatient hospital services, outpatient surgery, labs, X-rays, and prostate-specific antigen (PSA) screening are all covered under coinsurance. Prescription drugs are limited to a $3,000-maximum drug benefit, but a discount card or preferred price card is offered depending on the plan.

Short-Term Medical Value Select, Short-Term Medical Plus Select, Short-Term Medical Copay Select, and Short-Term Medical Plus Elite

These UnitedHealthcare short-term plans limit the maximum lifetime benefit to $600,000. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible of $1,000, $2,500, $5,000, $10,000, or $12,500. Options for coinsurance range from 0 percent to 40 percent, with an out-of-pocket maximum of $0 to $10,000.

There is a $75 copay for urgent care, and some plans have a $50 copay for office visits. Outpatient services carry a $250 copay. Inpatient hospital services, outpatient surgery, labs, X-rays, and PSA screening are all covered under coinsurance.

Prescription drugs are limited to a $3,000 maximum drug benefit, but a discount card or preferred price card is offered depending on the plan. Some plans carry a coinsurance provision.

Short-Term Medical Value Select A, Short-Term Medical Plus Select A, Short-Term Medical Copay Select A, Short-Term Medical Plus Elite A

These UnitedHealthcare short-term plans limit the maximum lifetime benefit to $2 million. These temporary plans allow members to select a per-person deductible of $1,000, $2,500, $5,000, $10,000 or $12,500. Your portion of coinsurance is either 40 percent or 20 percent, with a maximum of $10,000 or $5,000 respectively.

There is a $75 copay for urgent care and some plans have a $50 copay for office visits. Outpatient services carry a $250 copay. Inpatient hospital services, outpatient surgery, labs, X-rays, and PSA screening are all covered under coinsurance.

Prescription drugs are limited to a $3,000-maximum drug benefit, but a discount card or preferred price card is offered depending on the plan.

More Options

All UnitedHealthcare short-term plans offer an optional Supplemental Accident Benefit if you so choose. This reduces or eliminates your out-of-pocket exposure for accident-related injuries at an additional premium cost.

This supplement helps to cover both deductible and expenses before your insurance starts paying covered expenses. Members select a maximum amount of $1,000, $2,500, $5,000, $10,000, or $12,500 per accident, per insured person. Some restrictions apply, and not all plans offer each amount.

Consumers interested in UnitedHealthcare short-term plans should refer to plan documentation for more detailed information.

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