Cheap non-Obamacare Pennsylvania health insurance rates are issued by UnitedHealthcare, one of the nation’s biggest and most respected insurance companies with more than 100 million individual, group, and Medicare customers. Temporary medical plans are appropriate if you are a student that is about to graduate, between jobs, on strike, not working, or waiting for paid 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 or simply need a plan to be approved ASAP.

In addition to UHC, we provide the most competitive prices from other companies that offer these types of policies. Additional carriers include IHC Group and HCC Life. If these options are available in your area, we provide their policies along with UHC’s best offers. Companies that no longer offer this type of coverage include Humana, Aetna, Independence Blue Cross, Geisinger, and UPMC. Previously, Companion Lifel offered very competitively-priced plans utilizing an indemnity concept.

Unlike an on-Exchange plan, pre-existing conditions are generally not covered, and light medical underwriting is required. Federal subsidies also do not apply to short-term plans. National General, which utilizes an Aetna PPO network, is not permitted to offer coverage in the Keystone State. It is possible that may offer a compliant policy within the next several years.

UHC Policies

In most areas, UnitedHealthcare (UHC) offers very affordable prices. We offer their temporary policies in Pennsylvania online at direct pricing. We carefully help determine if this type of  coverage is within your budget and provide the benefits you need. The application process is easy, and the policy approval time frame usually takes less than a day. The insurer’s provider list extends across the country, so if you travel, you’ll still be covered. Customized office visit and prescription drug benefits can be added or upgraded.

Often, with these types of policies, you truly don’t know how long you will need to keep it in effect. It may be six months and it might only be a few weeks. Regardless, you can cancel any time, and a pro-rated refund will be processed and a refund check sent. It’s just another great feature of the cheapest type of policy available. You can also utilize it as a stopgap until you determine the exact length of time and type of plan you will need. Policies are not designed to be kept permanently, and should be reviewed and compared during available Open Enrollment periods.

Golden Rule, a UnitedHealthcare company, is the underwriter of each contract. You can apply directly through this website and we will help you with the process. Both individual and family policies are available. We also represent  other top-rated companies (individual, group, and Medicare) such as UPMC, Highmark, Keystone, Capital Blue Cross, Independence Blue Cross, Humana, Aetna and Geisinger. In situations where their rate is competitive, we will of course consider them.

UHC temporary plans are offered from 30 days – 360 days. Childhood immunizations are exempt from maximum dollar limits or the deductible. A screening mammogram is covered for persons that have reached age 40. If under age 40, a doctor’s recommendation is needed. Routine pap smears are typically covered. Additional benefits may be subject to a deductible but receive a network-negotiated discount.

Most carriers offer Senior and group coverage, but may not offer private medical benefits. It is possible that by 2022, additional companies will expand their portfolio once again. If individual states are given more authority to create customized plans, many more affordable options are expected to be created. The Pennie Exchange will continue to offer qualified plans along with dental options, but not short-term contracts.

Available UnitedHealthcare Temporary Plans In PA

Value Select is the least expensive temporary policy. Length of coverage is available from 1-3 months, and a deductible applies for each term. Available deductibles are $1,000, $2,500, $5,000, $10,000 and $12,500. A supplemental accident rider is offered for the same amounts. Coinsurance options are 30% and 40%, and maximum out-of-pocket expense options are $5,000 and $10,000. Office visits must meet coinsurance and deductible, and Urgent Care copay is $75. The ER copay is $250 (subject to deductible and coinsurance), and a prescription drug discount card (approximately 20%-25% reduction) is included. The lifetime maximum benefit is $600,000. $2 million of coverage may also be selected with Value Select A plan.

Plus Select provides additional options. Length of coverage is available from 1-3 months, and a deductible applies for each term. Available deductibles are $1,000, $2,500, $5,000, $10,000 and $12,500. A supplemental accident rider is offered for the same amounts. Coinsurance options are 20% and 40%, and maximum out-of-pocket expense options are $2,000, $5,000 and $10,000. Office visits must meet coinsurance and deductible, and Urgent Care copay is $75. The ER copay is $250 (subject to deductible and coinsurance), and a preferred price prescription drug card is included. Once the deductible has been met, only coinsurance applies. The lifetime maximum benefit is $600,000. $2 million of coverage may also be selected with Plus Select A plan.

Copay Select provides an office visit copay. Length of coverage is available from 1-3 months, and a deductible applies for each term. Available deductibles are $1,000, $2,500, $5,000, $10,000 and $12,500. A supplemental accident rider is offered for the same amounts. The coinsurance option is 20%, and maximum out-of-pocket expenses are $5,000. The first office visit copay is $50 and subsequent office visits must meet coinsurance and deductible. The Urgent Care copay is $75. The ER copay is $250 (subject to deductible and coinsurance), and a preferred price prescription drug card is included. Once the deductible has been met, only coinsurance applies. The lifetime maximum benefit is $600,000. $2 million of coverage may also be selected with Copay Select A plan.

Plus Elite provides lower out-of-pocket maximums. Length of coverage is available from 1-3 months, and a deductible applies for each term. Available deductibles are $1,000, $2,500, $5,000, $10,000 and $12,500. A supplemental accident rider is offered for the same amounts. The coinsurance option is 0%, and maximum out-of-pocket expenses are $0 (after deductible). The Urgent Care copay is $75. The ER copay is $250 (subject to deductible and coinsurance), and a preferred price prescription drug card is included. Once the deductible has been met, only coinsurance applies. The lifetime maximum benefit is $600,000. $2 million of coverage may also be selected with Plus Elite A plan.

A supplemental accident option is available on most plans. The rider helps offset the cost of the deductible and other out-of-pocket expenses. The available amounts of coverage are $1,000. $2,500, $5,000, $10,000 and $12,500. Value Select A, Plus Select A, Copay Select A, and Plus Elite A plans feature $2 million of lifetime benefits.

Sample Monthly Rates (Value Select A Plan)

Allegheny, Beaver, Washington, Fayette, Westmoreland, Greene, Somerset, Bedford, Indiana, Armstrong, Jefferson, Clearfield, Cambria, and Elk Counties (150-158 Zip Codes)

$73 – 30 year-old male $5,000 deductible

$92 – 30 year-old male $2,500 deductible

$97 – 40 year-old male $5,000 deductible

$121 – 40 year-old male $2,5000 deductible

$156 – 50 year-old female $5,000 deductible

$195 – 50 year-old female $2,500 deductible

$188 – 55 year-old female $5,000 deductible

$236 – 55 year-old female $2,500 deductible

$188 – 55 year-old female $5,000 deductible

$236 – 55 year-old female $2,500 deductible

$170 – 40 year-old married couple $5,000 deductible

$213 – 40 year-old married couple $2,500 deductible

$265 – 50 year-old married couple $5,000 deductible

$332 – 50 year-old married couple $2,500 deductible

Philadelphia, Berks, Delaware, Chester, and Montgomery Counties (191, 192, and 195 Zip Codes)

$66 – 30 year-old male $5,000 deductible

$87 – 40 year-old male $5,000 deductible

$108 – 40 year-old male $2,5000 deductible

$174 – 50 year-old female $2,500 deductible

$211 – 55 year-old female $2,500 deductible

$168 – 55 year-old female $5,000 deductible

$190 – 40 year-old married couple $2,500 deductible

$296 – 50 year-old married couple $2,500 deductible

$237 – 50 year-old married couple $5,000 deductible

Dauphin, Mifflin, Juniata, Perry, Lebanon, Huntingdon, York, Adams, Fulton, Franklin, and Cumberland Counties

$71 – 30 year-old male $5,000 deductible

$94 – 40 year-old male $5,000 deductible

$117 – 40 year-old male $2,5000 deductible

$189 – 50 year-old female $2,500 deductible

$228 – 55 year-old female $2,500 deductible

$182 – 55 year-old female $5,000 deductible

$206 – 40 year-old married couple $2,500 deductible

$320 – 50 year-old married couple $2,500 deductible

$256 – 50 year-old married couple $5,000 deductible

All plans provide substantial provider discounts for many services that are subject to a deductible. UnitedHealthcare’s National Network consists of more than 650,000 medical care professionals and physicians. Multiple billing and deductible options are also available providing additional flexibility. You can pay the entire cost of the policy 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, and a refund will be immediately processed. There is a discount if you pay a full term at once. Typically, the request should be in writing and contain your policy number and a signature of the owner of the policy. If you or able to obtain Group, Marketplace, Medicare, or Medicaid benefits, there would no longer be a need for this type of plan.

Other Options

As previously mentioned, UHC is not the only insurer to offer this type of option. Depending on where you live, other companies, such as Capital Blue Cross Short Term or Highmark may offer short-term plans in the future. We always consider all carriers before making a recommendation. HCC Life, Companion Life, National General, and the IHC Group are lesser-known carriers that feature low prices. When you request a quote at the top of the page, we’ll include these carriers for your consideration.

HIPAA plan options might be offered, but they may not be very cost-friendly. If COBRA benefits expire, choosing a subsidized plan will allow you to continue to cover existing conditions. Maternity, mental illness, and prescription drug benefits are provided without a waiting period or exclusion.

For additional specific information, please contact us. You can also begin the comparison process at the top of the page. The temporary Pa plan prices 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 for additional information.