short term health insurance quote
Short-Term Health Insurance Quote: Flexible Coverage When You Need It Most
Are you between jobs, waiting for employer benefits, or needing temporary health coverage? UHOne’s Short Term Medical insurance provides flexible, budget-friendly health coverage for a limited time. Get a personalized quote and secure your coverage online in minutes.
Why Choose UHOne Short-Term Medical Insurance?
- Flexible Coverage: Plans available for 30 days to 12 months (duration varies by state)
- Quick Coverage: Get insured as soon as the next day after approval
- Affordable Rates: Often less expensive than major medical insurance
- Easy Online Process: Get a quote and purchase coverage entirely online
- Trusted Provider: UHOne is part of UnitedHealthcare, serving 26.7 million Americans
How It Works
Select Your Coverage: Choose the plan duration and benefits that fit your needs
Get a Quote: Enter your basic information for a personalized rate
Apply Online: Complete your application securely through our website
Quick Approval: Many applicants receive prompt approval
Key Features of Short-Term Medical Insurance
- Coverage for doctor visits, emergency care, and hospitalization
- Prescription drug benefits available on some plans
- No network restrictions – see any doctor you choose
- Underwritten by Golden Rule Insurance Company, rated “A+” (Superior) by A.M. Best
State Availability and Duration
UHOne offers Short Term Medical insurance in the following states:
- Alabama (up to 12 months)
- Arizona (up to 12 months)
- Florida (up to 12 months)
- Georgia (up to 12 months)
- New Mexico (up to 6 months)
- North Carolina (up to 12 months)
- Oklahoma (up to 12 months)
- Ohio (up to 12 months)
- Texas (up to 12 months)
- Virginia (up to 6 months)
Note: Short Term Medical insurance is unavailable in California or New York.
Get Your Free Quote Now
Protect yourself with flexible, temporary health coverage from UHOne.
Frequently Asked Questions
- Q: What is short term health insurance?
- A: Short term health insurance provides temporary medical coverage for a limited period, typically ranging from 30 days to 12 months. It's designed to fill gaps in coverage when you're between jobs, waiting for other coverage to begin, or need temporary insurance.
- Q: How quickly can coverage begin?
- A: Many short term health insurance plans can take effect as soon as the day after your application is approved and payment is received. You may also choose a later effective date based on your needs.
- Q: Does short term health insurance cover pre-existing conditions?
- A: Generally, short term health insurance plans do not cover pre-existing conditions. Pre-existing conditions are typically defined as health issues you've been diagnosed with or treated for within the last 2 to 5 years.
- Q: Is short term health insurance cheaper than marketplace insurance?
- A: Short term health insurance is often less expensive than ACA-compliant marketplace plans. However, it provides less comprehensive coverage and doesn't qualify for government subsidies.
- Q: Can I get a subsidy for short term health insurance?
- A: No, short term health insurance plans do not qualify for government subsidies or tax credits available for ACA-compliant plans.
- Q: What does short term health insurance typically cover?
- A: Coverage varies by plan, but often includes:
- Doctor visits
- Emergency care
- Hospitalization
- Some prescription drugs
- Limited preventive care
- Q: Are there limitations to short term health insurance?
- A: Yes, short term plans typically have:
- Higher deductibles
- Coverage limits on specific services
- No guaranteed coverage for essential health benefits
- No coverage for pre-existing conditions
- Q: Can I renew my short term health insurance plan?
- A: Renewal options vary by state and plan. Some plans allow renewals up to 36 months, while others require you to reapply for a new policy.
- Q: Is short term health insurance considered minimum essential coverage?
- A: No, short term health insurance is not considered minimum essential coverage as defined by the Affordable Care Act.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent