TriTerm Medical insurance

3-Year short term insurance underwritten by Golden Rule Insurance Company

Available in select states, TriTerm Medical is short-term, limited duration health insurance that lasts for nearly 36 months1 over 3 terms. It's designed to provide health insurance for a longer period of time than traditional short-term insurance with the types of benefits you and your family may be looking for.

Choosing a TriTerm medical insurance plan

Learn why choosing UnitedHealthcare branded TriTerm Medical plans underwritten by Golden Rule may help you get more of the benefits you want. 

Why choose UnitedHealthcare?

Year-round enrollment

Apply year round, not just during an enrollment period.

Rx coverage

Get benefits for prescription costs and coverage on many plans. 

Large provider network

Access an extensive network of health care professionals, with 1.5 million physicians and other health care professionals and approximately 7,000 hospitals and other facilities.2

Preventive care coverage

Take steps to stay well with coverage for preventive care visits on many plans.3

Why choose a TriTerm Medical insurance plan?

  • Other products you looked at didn't last long enough or had benefits that didn't fit your needs. These plans provide coverage just under 3 years1 and benefits that may work for you and your family.
  • You like sticking with a brand you know. Golden Rule Insurance Company became part of UnitedHealthcare in 2003. Together, they have been selling personal insurance for more than 75 years and Short Term insurance for over 30 years.

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Select your state from the menu to read more about plans available where you live.

Learn about TriTerm Medical insurance plans

What are the features of TriTerm Medical insurance?

  • Preventive care coverage on many plans3 - Up to $200 per person, per term, so you can work on staying well. In select states, any preventive services a child on a plan qualifies for by age is covered.4 Also, child immunization services that qualify as preventive health care are exempt from deductibles, coinsurance amounts or copayments.5
  • Office visits for injury or illness on many plans - With a Copay Select plan, pay a $50 per visit copay for the first 4 doctor office visits, per person, per term. That's 12 office visits over the life of your plan with no deductible to pay.5
  • Prescription coverage on many plans - Once you pay your deductible, pay coinsurance for prescriptions. Many common prescriptions cost a $25 copay when you choose the Copay Select Max plan.
  • Apply once for just under 3 years of coverage - After you’re approved for TriTerm Medical health insurance, you don’t have to reapply to have coverage for nearly 36 months over 3 terms. Your plan simply moves into the second and third terms when you get there. 
  • Network coverage - Nearly 1,500,000 physicians and other health care professionals and more than 7,000 hospitals and other medical facilities means UnitedHealthcare offers access to one of the largest networks in the United States. There may be an in-network option for care nearby, and it may even be your current physician.2
  • Benefits in a variety of areas - Some coverage for home health care, rehab, and hospice, and more.

More about TriTerm Medical plans

Optional Accident Benefit6

Want a little extra help for unexpected injuries? Choose a Supplemental Accident benefit with your plan to help cover your deductible or other out-of-pocket medical expenses in case of accidental injuries. 

Need something else?

Insurance products underwritten by Golden Rule Insurance Company suit almost any coverage needs. Dental, vision, accident, critical illness, and more—build the right package of coverage for you and your loved ones today.

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