Need to explore your health insurance options? Get quick quotes or recommendations on plans designed to be affordable health insurance for almost any budget or need.
CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.
Affordable Care Act plans cover preexisting conditions along with a list of essential health benefits. During an ACA Open Enrollment period, you're eligible to sign up for any plans available where you live.
TriTerm Medical Insurance is a short-term health insurance plan designed to last for nearly 3 years,F51 with preventive, doctor office visit, Rx coverage and more. TriTerm is available in select states.
®</sup>.","F8":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as a-sociation group insurance only to members of FACT, an independent a-sociation. Additional membership fees may be required.","F9":"Short term plans are medically underwritten. 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 services, 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 an open enrollment period to get other health insurance coverage. This is not Minimum 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 a-sociation group insurance only to members of FACT, an independent a-sociation. Additional membership fees may be required.","F87":"Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.","F10":"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.","F18":"Benefits vary by plan. Check brochure for details.","F14":"Murphy, Brooke. 21 statistics on high-deductible health plans. Becker’s Hospital CFO. May 19, 2016.","F15":"Benefitfocus. The State of Employee Benefits: Insights and Opportunities Based on Behavioral Data. Large Employer Edition, 2016.","F16":"HSAs are not available solely in conjunction with fixed indemnity insurance plans. You must have a qualifying high-deductible health plan to qualify for an HSA.","F11":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.","F88":"This product provides limited benefits. This is a supplemental to health insurance and is not a substitute for major medical coverage.","F17":"National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from https://www.nidcr.nih.gov/datastatistics/finddatabytopic/dentalcaries/","F12":"Some states excluded.","F19":"Benefits must be a-signed to providers to receive reduced rates.","F20":"2015 Comparative Price Report Variation in Medical and Hospital Prices by Country. International Federation of Health Plans. Retrieved from http://www.ifhp.com/","F21":"All products require separate applications. Separate policies or certificates are issued.","F22":"Intensive care or critical care hospitalization benefits are subject to a 31-day maximum per confinement. If more than one surgery occurs during any given day, the highest tiered amount is paid.","F23":"Available after a 6-month waiting period.","F24":"Drug discount card is for prescription discounts only. This is not insurance.","F35":"To enroll in a Medicare Advantage plan, you must first be enrolled in Medicare Part A and Part B.","F36":"You must continue to pay your Medicare Part B premium.","F26":"This applies only if you choose a Silver plan on the federal Health Insurance Marketplace or your state's marketplace.","F27":"Premiums do not count toward deductibles. Usually copays do not count toward deductibles. Check your plan brochure for more information.","F13":"Underwritten by Golden Rule Insurance Company.","F32":"THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE 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. These products provide benefits in a stated amount regardless of the actual expenses incurred.","F33":"Availability varies by state. CO, CT, ID, MI, PA, and TN have Accident ExpenseGuard only.","F34":"Subject to a lifetime maximum.","F89":"CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.","F2":"Ratings as of 12/09/2021. 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 <a href="https://www.ambest.com" target="_blank">www.ambest.com</a>.","F1":"UnitedHealth Group Annual Form 10-K for year ended 12/31/21.","F37":"This product provides limited benefits. This coverage provides a Term Life insurance policy with an optional Critical Illness Benefit that pays cash benefits for a qualifying critical illness. Term Life SafeGuard is not major medical or comprehensive health insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.","F38":"THIS PRODUCT PROVIDES LIMITED BENEFITS. HOSPITAL SAFEGUARD 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. This product provides benefits in a stated amount regardless of the actual expenses incurred.","F39":"Source: American Heart A-sociation, Heart disease and stroke statistics—2016 update: A report from the American Heart A-sociation [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350. http://professional.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_480086.pdf.","F40":"Consult your tax advisor; restrictions may apply.","F41":"Gen Re Research. Critical Illness Insurance – Highlights of 2021 U.S. Market Survey. https://www.genre.com/knowledge/publications/2021/september/surveylhci21-en","F42":"Diagnosed more than 90 days after effective date to receive full benefit. Benefit is less if diagnosis occurs between 30-90 days.","F43":"Benefits available once every 12 months.","F44":"Product is medically underwritten.","F45":"Optional benefits require an additional premium cost. Products vary by state.","F46":"Waiting periods may apply.","F47":"American Heart A-sociation. 2020 Heart Disease and Stroke Statistical Update Fact Sheet At-a-Glance. Retrieved from https://www.heart.org/-/media/files/about-us/statistics/2020-heart-disease-and-stroke-ucm_505473.pdf?la=en","F48":"Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other’s contractual or financial obligations.","F49":"Based on pharmacy’s usual and customary price. Actual savings may vary.","F50":"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 available as a-sociation group insurance only to members of FACT, an independent a-sociation. Additional membership fees may apply.","F51":"Premium amount is expected to change for the second and third policy/certificate terms. Some TriTerm Medical Plans available as a-sociation group insurance only to members of FACT, an independent a-sociation. Additional membership fees may apply.","F52":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. <strong>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).</strong> Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F53":"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.","F54":"<strong>THIS PRODUCT PROVIDES LIMITED BENEFITS. THIS IS AN ACCIDENT POLICY THAT INCLUDES CRITICAL ILLNESS AND ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.</strong>","F55":"<strong>THIS IS A LIMITED BENEFITS POLICY. IT PAYS FOR BENEFITS FOR CRITICAL ILLNESSES ONLY AND DOES NOT PROVIDE COVERAGE FOR ANY OTHER MEDICAL CONDITIONS. YOU SHOULD MAINTAIN SEPARATE COMPREHENSIVE HEALTH COVERAGE.</strong>","F90":"This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year.","F91":"Ingenix, now known as Optum Insight, Inc. ("Optum Insight"), is a wholly-owned subsidiary of UnitedHealth Group Incorporated. Under a January 2009 settlement agreement between UnitedHealth Group Incorporated and the New York Attorney General, Ingenix's Databases closed, and United no longer uses any Ingenix Database to pay out-of-network claims.","F92":"UnitedHealthcare received the highest numerical score in the J.D. Power 2021 Dental and Vision Plan Satisfaction Reports of customers’ satisfaction with their dental and vision plans. Visit jdpower.com/awards","F93":"UnitedHealthcare received the highest numerical score in the J.D. Power 2021 Dental Plan Satisfaction Report of customers’ satisfaction with their dental plan. Visit jdpower.com/awards","F94":"This website contains highlights of the plans, which include travel insurance coverages underwritten by Centurion Casualty Company or H&W Indemnity SPC for and on behalf of Global Solutions SP. The plans also contain non-insurance Travel A-sistance Services provided by United Healthcare Services Inc., or it’s applicable affiliate operating as United Healthcare Global. Claims Administration is provided by Co-Ordinated Benefit Plans, Inc.. Coverages may vary under applicable law and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact the UnitedHealthcare Global SafeTrip Team via email at [email protected] or via phone at +410.453.6380 or +1.800.732.5309.","F28":"This product is administered by Spectera, Inc. 12-month initial policy required (not applicable in all states). See plan brochure for specific information.","F29":"Available in most states. Additional premium required.","F30":"You pay any charge above our allowance for non-network providers.","F31":"Primary insured must be 18 years of age or older.","F60":"American Hospital A-sociation, Fast Facts on U.S. Hospitals 2022.","F56":"Generated by the Department of Health and Human Services."}">
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, s-x, s-xual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Dental and Vision products are administrated by related 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.
Products and services offered are underwritten by Golden Rule Insurance Company, Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company and UnitedHealthcare Insurance Company. In New Mexico, products and services offered are only underwritten by Golden Rule Insurance Company.
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