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United Healthcare

TriTerm Medical Insurance

If you're a gig worker taking your side hustle full time, you've missed Open Enrollment, or you're just looking for more than a standard short term limited duration health insurance plan can offer, UnitedHealthcare branded TriTerm Medical insurance from Golden Rule Insurance Co. may be able to help. Designed for when your life's in flux, TriTerm Medical plans combine more robust benefits than a standard short term plan with a longer duration. Apply today for coverage in as soon as five days, with plan options to meet your needs.

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Short term plans are designed to provide temporary health insurance for unexpected medical costs when you can't enroll in a more comprehensive health plan. Maybe you’ve missed the Open Enrollment Period to get a marketplace plan, you’ve just started a new job and your work-based insurance doesn’t take effect right away, or you’re retired but don’t yet qualify for Medicare. For these and other similar scenarios, short term plans could be a budget-friendly health insurance solution. UnitedHealthcare branded TriTerm Medical insurance is short term insurance offering more benefits for a longer time, nearly 3 years of coverage with just one application.1

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TriTerm Medical Insurance is short term health insurance that lasts for nearly three years. These plans come with a variety of benefits, including coverage for eligible expenses due to pre-existing conditions after 12 months on the plan.

But short term health insurance doesn’t work for everyone. These plans don’t typically cover pre-existing conditions and they aren’t guaranteed issue, which means you have to answer medical questions to apply. And in some states, there may be limits on how long plans can be renewed. There are also lifetime payout limits, and you’ll need to meet the plan’s deductible(s) before any benefits are paid out.

While short term plans aren’t a good fit for some, they can work for people who need interim coverage. If you’re healthy and between major medical plans at the moment, UnitedHealthcare branded TriTerm Medical Insurance from Golden Rule Insurance Company may provide you with enough coverage to offset high, unexpected medical bills. And combined with other products, like accident or critical illness insurance, TriTerm Medical plans can create a solid benefits package.

1The TriTerm coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms., a website owned by Health Network Group, LLC, markets products underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation. Health Network Group National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation are all related companies under National General Holdings Corp.

This coverage is not required to comply with 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). 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.

Also, this coverage is not "minimum essential coverage". If you don't have minimum essential coverage for any month this year and you live in an state that has an individual mandate that you have health coverage that meets the minimum essential coverage, you may have to make a payment when you file your tax return unless you qualify for an exemption from the state's requirement that you have health coverage for that month.

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Supplemental insurance product not available in the State of Washington.