1 These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
2 Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge..
3 Short-term health insurance is medically underwritten and does not cover preexisting conditions. 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/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate 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 open enrollment period to get other health insurance coverage. This is not Minimal Essential Coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term Plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply. These plans offer up to 3 months of coverage plus a 1 month extension in a 12-month period.
4 Telehealth memberships are not health insurance and all members are encouraged to maintain adequate insurance from a responsible provider.
5UnitedHealthcare branded Short Term Medical insurance Copay and Value plans underwritten by Golden Rule Insurance Company were picked as the best short-term health insurance for maximum coverage for 2024 by USA TODAY Blueprint. Opinion piece published by USA Today Blueprint; retrieved from https://www.usatoday.com/money/blueprint/health-insurance/best-short-term-health-insurance-companies/ All plans vary by state. The Federal Rule effective Sept. 1, 2024, constricts the duration of Short Term Medical plans.
6Ratings as of 12/14/2023. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access https://www.ambest.com.
7 UnitedHealth Group Annual Form 10-K for year ended 12/31/23.
