Expanded Short Term Health - UnitedHealthOne short term health review
Many people know United Health through their employer plans.
Millions of people in fact.
They also happen to very strong in the short term health market.
They offer their UnitedHealthOne suite of plans.
The most popular being the short term plans.
We're lucky to have such a solid companies when most carriers left the short term market after 2014 and 2015 (we'll explain below).
If you want jump right to the quote for UnitedHealthOne short term:
Otherwise, feel free to jump any given section in our UnitedHealthOne review:
Lots to cover.
Let's get started with the basics first.
UnitedHealthOne is offered by United Health through its Golden Rule carrier.
If not the first!
They are very strong in the Employer health market.
Currently, they are one of the two main carriers to offer legitimate short term health insurance through UnitedHealthOne.
UnitedHealthOne deals with all their ancillary insurance products such as:
Short term is their most popular.
UnitedHealthOne has been in business since 1974.
They come from solid stock!
Let's look at the UnitedHealthOne short term plans in more detail.
The UnitedHealthOne short term plans offer a range of options to choose from.
Here are the core determining factors:
Let's look at each item separately.
You can view the brochure through the quote below.
You have a choice of maximum benefit per term and per person:
You have a choice of deductible:
The deductible is per person and per term of coverage.
They also allow you to add on accidental health policies to match the deductibles.
These plans have an additional charge but will pay you if a qualifying accident occurs during the term.
Co-insurance is the percentage you will pay between the deductible and out of pocket max.
It ranges from:
This is your protection in case you have big bills.
The maximum is in addition to the deductible and does not include copays if covered.
Again, you can see all the current options through the quote here:
There's no cost for our assistance at 800-320-6269 or email us.
One of the strengths of UnitedHealthOne is their doctor network.
The UnitedHealthOne plan works like an EPO.
This means you have to stay in the network to get benefits.
This is easy to with such a large, nationwide network.
The network is called the UnitedHealthCare Choice option.
You also get the negotiated rates when in-network.
Again, run your UnitedHealthOne short term quote.
Let us know if any questions come up.
Let's look at UnitedHealthOne in regards to the new Trump expansion of the marketplace.
A quick history lesson.
We had 364 days of short term health available prior to 2015.
Obama restricted the duration to 90 days.
You can learn more about the expansion of Trump's short term here.
Most carriers are reluctant to offer short term at the expense of the ACA marketplace.
It will pull healthy people from the pool and the rates will go up higher than they already are!
United doesn't have this issue!
Their departure from California in 2017 was a big tell.
Here's the rub...
There's no penalty in 2019.
That means many people who don't qualify for a tax credit will gravitate towards the short term on an annual basis.
Keep in mind that the ACA law expanded health insurance to millions of new people.
Millions of other people remained uninsured or dropped coverage.
THAT's the group who might look at short term for catastrophic coverage.
UnitedHealth is very innovative and shrewd.
If there's a market there, I wouldn't be surprised to see them go after it aggressively!
We'll keep you posted.
There are two main carriers on the short term health market now that offer actual insurance.
Insurance without the severe daily caps we see elsewhere.
That's UnitedHealthOne and IHC (partnered with BCBS).
How do we compare them?
First, let's rule out some similarities:
Make sure to look at differences between short term plans and Obamacare here.
So...how are they different.
PPO is better than EPO but that really comes into play if the networks are smaller.
Both have extensive networks.
In a true emergency (be conservative), they'll take you where ever to get you patched up.
Plan design is one are they are different.
But not by much.
United offers a range of different options on how to structure the plans.
In the end, since the plans are so similar, check out the quote for both.
You can access the short term quote for IHC and UnitedHealthOne here:
We're happy to help with the comparison.
For example, California only has IHC as of this writing.
The same issue that plagues other health insurance companies also affects UnitedHealthOne.
The reviews are exceedingly bad online.
That being said, I haven't seen any health carrier with good reviews.
People don't exactly like health carriers.
And there's could be some good reasons for that.
They're not the easiest to deal with.
As licensed short term health agents, there's no cost our assistance. ZERO!
They have a 3.7 rating out of 5 with the Better Business Bureau which is relatively high for health insurance companies.
Again, take advantage of our free assistance to address issues.
The main take away is this...
We're very confident in UnitedHealthOne's ability to pay reasonable claims as laid out in their brochure.
UnitedHealthOne is available in the following States:
We expect other States to be added with the Trump short term expansion (probably around 2019).
You can quote these UnitedHealthOne States here.
Otherwise, check out IHC short term plans here.
This is easy.
Everything is online.
You can access the rates and plan options for UnitedHealthOne short term here:
We're happy to help with the plan selection.
Focus on max benefit level, deductible, and out of pocket max.
Those are the key drivers of cost and benefit!
We're happy to help at 800-320-6269 or by email.
Applying for UnitedHealthOne short term is even easier.
You can access the online app right the quote link above.
We can generally get midnight following online enrollment at the earliest.
Check out or page on tips and guide for short term enrollment here.
UnitedHealthOne is poised to really grow quickly with the Trump short term expansion.
They are already in many major markets.
That's likely to grow since they have pulled out of many of the ACA marketplaces.
All things working for UnitedHealthOne with the coming changes.
We're happy to help with any questions on their short term options.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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