Short term health insurance frequently asked questions

A somewhat emotional piano tune plays. A blue ribbon flows across the screen and morphs into the UnitedHealthcare logo, and the words “Golden Rule Insurance Co.” appear under it. A bright young woman’s voice comes in.

Voiceover: Thinking about applying for Short Term health insurance? It’s important to know how it works first. Let’s take a look.

The words “It’s important to know how it works” appear

Voiceover: With UnitedHealthcare branded Short Term Medical plans, you can choose what makes the most sense for you and your budget

An animated graphic of a hand holding a UnitedHealthcare insurance card appears next to the words “Short Term Medical Plans”

Voiceover: in terms of deductible, coinsurance and coinsurance out-of-pocket maximum.

The hand with the insurance card moves to the other side of the screen and the terms “deductible, coinsurance and coinsurance out-of-pocket maximum” appear as they’re listed.

Voiceover: So what do those terms mean for you?

The words “What do those terms mean for you?” appear

Voiceover: A deductible is the amount you pay for covered health care services before your insurance plan starts to pay.

An animated wallet graphic appears to the right of the word “Deductible” and then in smaller type underneath that: The amount you pay for covered health care services before your insurance plan starts to pay.

Voiceover: After you’ve met your deductible, you then pay a percentage of covered expenses. This is called coinsurance.

The word “Coinsurance” appears above the words in smaller type “The percentage you pay of a covered expense after you’ve met your deductible”. To the left of the words, an animated hand graphic with a coin appears.

Voiceover: Here's an example. Let's say your plan has thirty percent coinsurance.

The words “30% coinsurance” appear.

Voiceover: Assuming you've met your deductible, that means on a one hundred dollar medical bill, the plan pays seventy dollars, and you pay thirty dollars.

The words “$100 medical bill” appear above “30% coinsurance”, and then the words “The plan pays $70” appear to the left, and the words “You pay $30” appear to the right.

Voiceover: A coinsurance out-of-pocket maximum is the maximum coinsurance amount you’ll ever have to pay during your coverage term.

The words “Coinsurance out-of-pocket maximum” appear above the words “The amount you pay for covered health care services before your insurance plan starts to pay” in smaller type. To the right of the words, a piggy bank graphic with coins appears. The music becomes more upbeat and orchestral.

Voiceover:  So, if your plan has a five thousand dollar coinsurance out-of-pocket maximum, the plan will pay for one hundred percent of eligible expenses once you've met that maximum amount.*

The words “$5000 coinsurance out-of-pocket maximum” appear and shift to the right of the screen. On the left side of the screen, the words “The plan pays 100% once you’ve met $5000*” appear, followed by smaller type on the bottom left of the screen that reads “*Some copays may still apply”

Voiceover:  Okay. Here are just a few more things to think about before you apply.

The words “A few more things to think about before you apply” appear in the center of the screen.

Voiceover: In most cases, it’s best to use UnitedHealthcare network providers. These providers offer lower costs for medical services.

An animated network graphic appears with various health care icons of different sizes connected with lines. Below that, the words “Network providers offer lower costs” appear.

Voiceover: To see if your doctor is in the network , go to U-H-One.com and use the “find a doctor” feature.

An animated location pin drops into a graphic of the United States, and is followed by many more pins dropping in various locations.

Voiceover: Short term plans are limited in duration—

An animated clock appears above the words “Limited in duration”

Voiceover: lasting from one to just under twelve months in some states.

An animated graphic of a calendar appears to the right of the words “One month” and then duplicates 12 times to the right, ending with the words “One year”

Voiceover: And if you need coverage after your short term plan ends, you may be eligible to apply again in many states,

An animated clock graphic appears to the right of the words “You may be eligible to apply again”

Voiceover: but it’s always best to check the rules for where you live.

A house graphic appears to the left of the words “Check the rules where you live”

Voiceover: And remember, Short Term Medical is not considered Minimum Essential Coverage under the Affordable Care Act.

The words “Short Term Medical is not considered Minimum Essential Coverage” appear

Voiceover: It does not cover preexisting conditions or people planning on becoming pregnant.

The phrases “Preexisting conditions” and “People planning on becoming pregnant” appear with corresponding graphics.

Voiceover: Now you’re ready to find flexible coverage that fits your life with a UnitedHealthcare branded Short Term Medical plan.

An animated graphic of a hand holding a UnitedHealthcare insurance card appears next to the words “Short Term Medical Plans”

Voiceover: Questions? Go to U-H-One.com or call your local health insurance broker.

A final title screen appears with the words “UnitedHealthcare” and “Golden Rule Insurance Co.” next to the UnitedHealthcare logo in the upper left corner. The words “Questions? Go to UHOne.com or call your local health insurance broker” appear in the middle of the screen, to the left of two colorful text bubble graphics. The following words are in fine print at the bottom of the screen: “Underwritten by Golden Rule Insurance Company, a UnitedHealthcare Company. This policy has exclusions, limitation, 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. Short term health insurance plans do not meet all federal requirements to qualify as “Minimum Essential Coverage” for health insurance under the Affordable Care Act (“ACA”). Short term health insurance is medically underwritten and does not cover preexisting conditions. Product availability varies by state. 48283-G-0322”