TriTerm Medical Insurance FAQs

What’s the difference between TriTerm Medical and a more traditional short-term health insurance plan?

TriTerm Medical1 underwritten by Golden Rule Insurance Company is short term limited duration health insurance. However, a TriTerm Medical insurance plan is more benefit-rich compared to most other short term plans with shorter term lengths. And that is one of the great features of a TriTerm Medical plan - its term length is nearly 3 years of coverage.2  TriTerm Medical is a medically underwritten plan that offers the benefits you are likely looking for: preventive care, doctor office visits, urgent care, prescription drug coverage and more.


  1. 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. These plans are medically underwritten and do not cover preexisting conditions. In several states these health insurance plans are issued as association group plans and are available only to members of FACT, the Federation of American Consumers and Travelers, (org).
  2. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.
  3. Short-Term, Limited-Duration Insurance Final Rule. Federal Register. Aug. 3, 2018. Retrieved from "This rule amends the definition of short-term, limited-duration insurance coverage so that the coverage has a maximum initial contract term of less than 12 months and a maximum duration (including the initial contract term and renewals and extensions of the same insurance contract) of no longer than 36 months."
  4. UnitedHealth Group Annual Form 10-K for year ended 12/31/19.

Product design, availability, term length and additional terms vary by state.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.  

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).