Low cost short-term Pennsylvania health insurance rates are issued by UnitedHealthCare, one of the nation’s biggest and most respected health insurance companies with more than 25 million customers. Short-term medical plans are appropriate if you are a student that is about to graduate, between jobs, not working, or waiting for health benefits to begin. We also recommend this type of coverage if you are uninsured and would like to cover large claims while paying an extremely low premium.
We offer UnitedHealthCare short-term health insurance policies in Pennsylvania at the lowest allowable rate and never charge any fees. We’ll carefully help you determine if this type of temporary coverage is within your budget and gives you the coverage you need. The application process is easy and the policy approval process often takes less than a day. Golden Rule, a UnitedHealthCare company, is the underwriter of each policy. When you apply directly through this website and we'll be happy to help you with the process. Both individual and family coverage is available.
There are Three Available Plans:
Pennsylvania Short Term Medical Value Plan is the least expensive temporary policy. Length of coverage is available from 1-11 months and a deductible applies to each illness or injury. After the deductible, the insurance pays 80% of covered expenses. Once $4,000 of out-of-pocket expense has been paid, the policy pays 100% of remaining covered expenses. I have found this option to be the most popular of the three plans. It's cheap, straightforward and very easy to understand.
Pennsylvania Short Term Medical Plus Plan offers higher coverage than the “Value” plan. Once again, coverage is available from 1-11 months. However, a deductible only applies to the term of the policy, and not for each incident. Therefore, if you have multiple major medical claims, you will only pay one deductible. After the deductible, the insurance also pays 80% of covered expenses. But you only need to pay $2,000 of out-of-pocket expenses before the policy pays 100%. It's more expensive than the "Value" plan but may include benefits you will not use.
Pennsylvania Short Term Medical Copay Plan offers more coverage and is the most expensive of the short-term options. A $35 copay applied to in-Network office visits. One visit is allowed for a 1-3-month policy, two visits for a 4-6 month policy and four visits for a 7-11 month policy.
Prescription drug coverage is also included. The generic drug copay is $15. Non-generic drugs are also covered but subject to higher copays and coinsurance. A $3,000 per person per term maximum applies. Perhaps I'm biased, but I don't often recommend this option. In my opinion, most consumers seem to feel it is not worth paying the higher cost of the "Copay" policy.
All three plans provide substantial provider discounts for many services that are subject to a deductible. UnitedHealthCare’s National Network consists of more than 650,000 health care professionals and physicians. Multiple billing and deductible options are also available providing additional flexibility. You can pay the entire cost of the policy at once or simply pay monthly (electronically through a checking account). If you need to cancel a policy before it terminates, you can request a refund on the unused portion of your coverage.
For additional specific information, please call us at (888) 513 6446. You can also compare rates by clicking on the “Get Instant Quote” button at the top of the page. The UnitedHealthCare rates will appear after you have provided some basic information. We're familiar with all of the plans and the application process so call or email us.