Private PPO
Flexible Short-Term Coverage
Bridge gaps in coverage for a few months or up to nearly 3 years with select plans.
Large National Networks
Access UnitedHealthcare’s broad provider network for doctors, specialists, and hospitals.
Budget-Friendly Options
Choose deductibles, copays, and coinsurance levels to help match your budget.
How Short-Term & TriTerm Medical Plans Work
Simple steps to get temporary or extended coverage in place quickly.
1. Quote
See plan options and pricing in minutes using our secure online quoting tool.
2. Choose
Select Short-Term Medical for brief gaps or TriTerm Medical for longer coverage periods.
3. Apply
Complete a simple online application with basic health questions.
4. Use
Once approved, use your ID card for covered services and network discounts.
What Are Short-Term & TriTerm Medical Plans?
Short-Term Medical and TriTerm Medical plans are limited-duration health insurance options from UnitedHealthcare that can help with unexpected medical bills during gaps in traditional coverage. They are designed for people between jobs, waiting for group coverage to start, early retirees, or individuals who missed Open Enrollment and don’t qualify for a Special Enrollment Period.
These plans are not ACA-qualified major medical coverage, do not cover all essential health benefits, and may not cover pre-existing conditions. They can be a lower-cost alternative for those who understand and are comfortable with these limitations.
Short-Term Medical Highlights
- • Coverage periods typically from 1 month up to 12 months (varies by state).
- • Options for doctor visits, urgent care, ER, hospital stays, and more.
- • Fast applications and, in many cases, next-day effective dates.
TriTerm Medical Highlights
- • Designed to provide coverage for nearly 3 years in three consecutive terms.
- • Access to UnitedHealthcare’s large nationwide network.
- • Helps protect against high-cost medical bills over a longer time frame.
Why Consider Short-Term or TriTerm Medical?
- ✔ You need coverage quickly between jobs or before new coverage starts.
- ✔ You are generally healthy and want lower premiums than many ACA plans without subsidies.
- ✔ You want access to a large UnitedHealthcare provider network.
- ✔ You want options for either temporary (short-term) or longer (TriTerm) coverage.
- ✔ You prefer to apply online and manage your coverage with the help of a licensed agent.
Important Things to Know
- • These plans are not ACA-qualified major medical coverage.
- • They may not cover pre-existing conditions or all types of services.
- • Benefits, availability, and maximum coverage periods vary by state.
- • Read all plan details and disclosures carefully before enrolling.
Get a Quote & Enroll Online
Quotes and enrollment are processed securely through UnitedHealthcare. Plan availability and benefits vary by state.
Need help deciding?
Have questions about how these plans compare to ACA Marketplace or employer coverage? Fill out the form and we’ll review your options with you.
