UnitedHealthcare Short-Term Plan FAQs: Answers on Coverage, Costs and State Rules
These answers cover the questions people ask most about a UnitedHealthcare short-term plan. Licensed Vivna agents wrote each one in plain English. Because benefits change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. Short-term plans are not ACA plans, and plans and availability vary by state.
- 1Who is eligible for a UnitedHealthcare short-term plan?
- 2Do I have to answer health questions to get a short-term plan?
- 3What counts as a preexisting condition on a UnitedHealthcare short-term plan?
- 4Do UnitedHealthcare short-term plans cover prescriptions?
- 5Can I cancel a UnitedHealthcare short-term plan and get my money back?
UnitedHealthcare Short-Term Plan Basics
Start here to learn what a UnitedHealthcare short-term plan is and how it differs from ACA coverage. Then see how renewals, cancellations and missed payments work.
β Who is the insurance company behind UnitedHealthcare short-term plans?
Golden Rule Insurance Company, a UnitedHealthcare company, underwrites and administers these plans.
The company has served people who buy their own coverage for over 80 years. It also holds an "A" (Excellent) financial strength rating from A.M. Best.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Is a UnitedHealthcare short-term plan the same as an ACA or Obamacare plan?
No, short-term plans are limited-duration policies, not comprehensive health coverage.
They have fewer benefits and federal protections than Marketplace plans. Also, they do not have to cover all essential health benefits. In addition, they do not count as minimum essential coverage.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan count as minimum essential coverage?
No, short-term coverage does not meet the ACA definition of minimum essential coverage.
However, a few states charge a penalty for not having minimum essential coverage. So check your state before relying on a short-term plan for a full year.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Who are short-term health plans best for?
Short-term plans fit people who have a temporary gap in coverage.
That includes people between jobs, recent graduates and seasonal workers. It also includes people not offered coverage at work and people bridging to Medicare. However, they work best for healthy people, because the plans do not cover preexisting conditions.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Can I renew a UnitedHealthcare short-term plan when it ends?
No, short-term plans are non-renewable, so you cannot renew a plan when it ends.
Golden Rule issues each plan for a set period. The plan then stays in force until the termination date on your certificate. So plan your next coverage before that date.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What happens when my short-term plan ends?
Your short-term coverage stops on the plan's termination date.
However, losing short-term coverage may not open a special enrollment period. As a result, you might have to wait for the next open enrollment to get an ACA plan. A licensed agent can help you line up what comes next.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Can I cancel a UnitedHealthcare short-term plan and get my money back?
You get a 10-day "free look" period after Golden Rule issues your certificate.
In addition, some states allow a longer period. If you return the certificate in that window, you get a refund of your premium. After that, you can cancel, and coverage ends on the last day you paid for.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β How long is the free look period on a UnitedHealthcare short-term plan in Louisiana?
Louisiana plans have a 30-day free look period, also called a right to examine period.
That is longer than the usual 10 days.
π Where this applies: Louisiana
Eligibility, Family and Association Rules
These answers explain who can apply and how spouses and children join. Also, a few states attach an association membership, so those rules are here too.
β Who is eligible for a UnitedHealthcare short-term plan?
The primary applicant on a UnitedHealthcare short-term plan must be at least 19.
Golden Rule sells these plans to people age 19 through 64. You can also add a spouse and children. In addition, approval depends on your answers to the health questions on the application.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Can I buy a short-term plan for just my child?
No, UnitedHealthcare short-term plans do not offer child-only coverage.
Instead, a child can get coverage as a dependent on a parent's plan.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Can I add my spouse and kids to a UnitedHealthcare short-term plan?
Yes, your spouse and eligible children can be on your short-term plan.
Children generally must be unmarried and under 26 when you apply. However, some states expand this. Also, the deductible applies per person, up to two deductibles per family.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β In Florida, how long can my child stay on my short-term plan?
In Florida, an eligible child can stay on your UnitedHealthcare short-term plan through age 30.
π Where this applies: Florida
β Can I keep a short-term plan after I turn 65?
No, not if you are the only person on the plan.
In that case, coverage ends at the end of the premium period on or after your 65th birthday. So that is the time to move to Medicare.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Do I have to answer health questions to get a short-term plan?
Yes, short-term plans use medical underwriting, so the application includes health questions.
Your answers to this short set of questions decide whether you get approved. In fact, unlike ACA plans, a short-term plan can decline you based on your health.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What is FACT, and why is it on my short-term plan?
In many states, these are association group plans available only to members of FACT.
FACT stands for the Federation of American Consumers and Travelers. You can join when you apply. Also, FACT is a separate organization from Golden Rule. Plus, it offers extra member perks such as discounts.
π Where this applies: FL, IN, MI, MS, NE, PA, SC, TN, TX, WI, WV
β Is there a cost to join FACT for my short-term plan?
Yes, joining FACT comes with membership dues.
However, you can pay the dues together with your health insurance premium instead of as a separate bill. Also, the short-term plan itself has no separate application fee.
π Where this applies: FL, IN, MI, MS, NE, PA, SC, TN, TX, WI, WV
β Do I have to join an association to get a UnitedHealthcare short-term plan in Georgia, Missouri or Virginia?
The brochures for these states do not mention any association or FACT membership.
Instead, Golden Rule issues the plan as an individual policy here.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Do I need to join FACT to get a UnitedHealthcare short-term plan in Alabama, Arizona, Arkansas, Ohio or Iowa?
Yes, in these states the plans are association group plans sold only to FACT members.
If you are not a member yet, you can join with your short-term application.
π Where this applies: Alabama, Arizona, Arkansas, Ohio and Iowa
β What member benefits come with FACT membership?
FACT lists an accidental death benefit, an in-hospital benefit, ambulance reimbursement and medical evacuation coverage.
Members also get dental, vision, hearing aid and prescription discounts. In addition, other perks include ID theft protection, wellness classes, travel discounts and pet coverage. However, FACT can change or drop these benefits at any time.
π Where this applies: Alabama, Arizona, Arkansas, Ohio and Iowa
β How do I contact FACT about my membership?
Visit usafact.org or call FACT toll-free at (800) USA-FACT.
FACT is an independent consumer association based in Jonesboro, Arkansas. Also, it is separate from Golden Rule and receives no compensation from that company.
π Where this applies: Alabama, Arizona, Arkansas, Ohio and Iowa
β Can I add my spouse or kids to a UnitedHealthcare short-term plan in Utah?
No, in Utah, coverage is for individual adults only.
As a result, you cannot add a spouse or dependent to your plan.
π Where this applies: Utah
β Can my married child stay on my UnitedHealthcare short-term plan in New Hampshire?
Yes, in New Hampshire an eligible child is your child under 26, married or not.
π Where this applies: New Hampshire
β Does my disabled child lose Virginia short-term coverage at age 26?
No, a disabled child does not lose Virginia coverage solely because of age.
The child stays covered if a disability that began before the age limit prevents self-supporting work. In addition, the child must depend mainly on you for support.
π Where this applies: Virginia
β When can my dependents start coverage on a UnitedHealthcare short-term plan in Ohio?
Dependents are eligible on the primary insured's effective date if born more than 30 days before it.
π Where this applies: Ohio
β What happens to my family's short-term coverage if the primary insured dies?
The plan can continue, and a covered spouse can keep it going.
If there is no covered spouse, the youngest covered child can continue it.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
Preexisting Conditions and Look-Back Periods
Short-term plans do not cover preexisting conditions. However, the look-back period changes by state, so check yours below.
β What counts as a preexisting condition on a UnitedHealthcare short-term plan?
Generally, it includes any condition you received care for in the 24 months before coverage starts.
It also counts conditions you were advised to get care for in that period. Plus, it counts test or screening findings and symptoms you should have had checked in the prior 12 months. A pregnancy that exists when coverage begins also counts. However, some states use shorter look-back periods.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Do some states have a shorter preexisting condition look-back on short-term plans?
Yes, Indiana and Texas use a 12-month look-back, and Mississippi uses 6 months.
Those periods apply instead of the standard 24 months. Also, your certificate lists the exact definition for your state.
π Where this applies: Indiana, Mississippi and Texas
β If I had a Golden Rule plan before, will my conditions be covered on a new short-term plan?
No, conditions covered under a previous Golden Rule plan still count as preexisting on a new plan.
As a result, the new short-term plan will not cover them.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What is the preexisting condition look-back on UnitedHealthcare short-term plans in Alabama, Ohio, Kentucky or Missouri?
These states use the standard look-back period for preexisting conditions.
The look-back includes care or advice in the 24 months before coverage starts. It also includes tests, screenings or symptoms in the prior 12 months. In addition, a pregnancy that exists when coverage begins counts.
π Where this applies: AL, AZ, AR, OH, IA, KY, MT, OK, KS, LA, MO, NV
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in Georgia?
Georgia uses a 6-month preexisting condition look-back period.
It counts conditions with care, advice, tests, screenings or symptoms in the 6 months before coverage starts. That is shorter than the standard 24-month look-back.
π Where this applies: Georgia
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in New Hampshire?
New Hampshire uses a 6-month preexisting condition look-back period.
It counts conditions with care, advice, tests, screenings or symptoms in the 6 months before coverage starts. A pregnancy that exists when coverage begins also counts.
π Where this applies: New Hampshire
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in Wyoming?
Wyoming uses a 6-month preexisting condition look-back period.
It counts conditions with care, advice, treatment, tests or screenings in the 6 months before coverage starts.
π Where this applies: Wyoming
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in North Carolina?
North Carolina uses a 12-month preexisting condition look-back period.
It counts conditions with care, advice, treatment, tests or screenings in the 12 months before coverage starts.
π Where this applies: North Carolina
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in Utah?
Utah uses a 12-month preexisting condition look-back period.
It counts conditions with care, advice, tests, screenings or symptoms in the 12 months before coverage starts.
π Where this applies: Utah
β What is the preexisting condition look-back for UnitedHealthcare short-term plans in Virginia?
Virginia uses a 12-month preexisting condition look-back period.
It counts conditions with care, advice, treatment or a diagnostic procedure in the 12 months before coverage starts. Also, conditions covered under an earlier Golden Rule plan still count.
π Where this applies: Virginia
Deductibles, Copays and Plan Costs
Here you can see how deductibles, copays and coinsurance work on short-term plans. Plus, learn what drives the monthly price.
β What is the maximum benefit on a UnitedHealthcare short-term plan?
Copay Plus and Elite pay up to $2 million per person, per term.
By contrast, the Value plan pays up to $1 million. In Indiana, however, Value also pays up to $2 million.
π Where this applies: FL, IN, MI, MS, NE, PA, SC, TN, TX, WI, WV
β What does urgent care cost on a UnitedHealthcare short-term plan?
Urgent care center visits are a $50 copay on all three plan designs.
π Where this applies: FL, IN, MI, MS, NE, PA, SC, TN, TX, WI, WV
β How does emergency room coverage work on a UnitedHealthcare short-term plan?
The plan covers ER visits for an accident or illness after the deductible and coinsurance.
However, if the hospital does not admit you, an extra $500 ER deductible applies per visit.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Do copays count toward my short-term plan deductible?
No, copays do not count toward the deductible on UnitedHealthcare short-term plans.
They also do not count toward the coinsurance or the coinsurance maximum.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What affects the price of a UnitedHealthcare short-term plan?
Your premium depends on your plan, deductible, age, gender, tobacco use and where you live.
It also depends on your start date, how many people the plan covers and your length of coverage. Any optional benefits factor in as well. Finally, you pay a prorated premium for a partial first month.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β How can I lower the cost of a short-term plan?
Choosing a higher deductible lowers your premium on a short-term plan.
Also, using network providers helps, because they agree to lower negotiated rates. A licensed agent can compare deductible and plan options side by side.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Why have a high-deductible short-term plan if I pay most costs myself?
Even before you meet the deductible, you pay the network's negotiated rate, not the full billed price.
Plus, if something serious happens, the plan pays after the deductible, up to the maximum benefit.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Which UnitedHealthcare short-term plans are available in Iowa?
Iowa offers two UnitedHealthcare short-term plans: Copay Plus and Elite.
Copay Plus has 20% coinsurance and office visit copays. By contrast, Elite pays covered network costs in full after the deductible. However, the Iowa brochure does not include the Value plan.
π Where this applies: Iowa
β What deductibles can I choose on the UnitedHealthcare Short Term Value plan?
Value offers deductibles of $2,500, $5,000, $7,500 or $15,000 per person, per term.
Unlike Copay Plus and Elite, Value has no $10,000 option. Also, you pay at most two deductibles per family.
π Where this applies: AL, AZ, AR, GA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Is there an out-of-pocket maximum on a UnitedHealthcare short-term plan in Iowa?
Yes, Iowa plans cap your out-of-pocket costs at $22,500 per person, per term.
That cap includes deductibles, coinsurance, copays and outpatient prescription drugs. In addition, the coinsurance maximum is $5,000 on Copay Plus and $0 on Elite.
π Where this applies: Iowa
β How are prescriptions covered on a UnitedHealthcare short-term plan in Iowa?
In Iowa, prescription costs go toward your deductible first.
After that, you pay 20% on Copay Plus or nothing on Elite. However, the Iowa brochure does not list a Tier 1 copay.
π Where this applies: Iowa
β How much is urgent care on a UnitedHealthcare short-term plan in Iowa?
Urgent care center visits are a $50 copay for the first 3 visits per person, per term.
This copay applies on both Copay Plus and Elite.
π Where this applies: Iowa
β How many $50 doctor visits do I get on a UnitedHealthcare short-term plan in Virginia?
Virginia Copay Plus plans include one $50 office visit copay per person, per term.
After that, visits go toward the deductible, then coinsurance.
π Where this applies: Virginia
β Is there a variable deductible on UnitedHealthcare short-term plans in Missouri or Wyoming?
Yes, but it applies only if you get other health insurance while this policy is in force.
In that case, the deductible equals what the other plan pays for covered expenses. As a result, your deductible on each claim may vary.
π Where this applies: Missouri and Wyoming
β What happens if my age is wrong on my Missouri short-term application?
Golden Rule may adjust your benefits if your age is wrong on a Missouri application.
In that case, the company compares the premium you paid to the premium for your correct age.
π Where this applies: Missouri
Doctors, Networks and Emergencies
These answers cover networks, referrals and emergency care. In addition, you will find how to manage your plan online.
β Do UnitedHealthcare short-term plans cover out-of-network doctors?
No, in most states these plans pay only for care from network providers, except emergencies.
For emergencies, the plan pays out-of-network care as if it were in network. However, you may owe the difference between the bill and what the plan pays. Also, some states have reduced out-of-network benefits.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Do I need a referral or a primary care doctor on a UnitedHealthcare short-term plan?
No, you do not need to choose a primary care physician or get referrals.
Instead, you can see any doctor or specialist in the network.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β How do I find a doctor in the UnitedHealthcare short-term network?
Use the Find a Doctor tool on uhone.com to search for network providers in your state.
Members can also look up doctors and hospitals in UHC Member Hub.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β How do I manage my UnitedHealthcare short-term plan online?
Register at UHC Member Hub (uhcmemberhub.com) to manage your plan online.
There, you can view your ID card and plan documents, and pay premiums. You can also submit claims, find network doctors and send non-urgent questions.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β How do I pay for prescriptions on a short-term plan?
Show your member ID card at the pharmacy when you fill a prescription.
You pay at the point of sale at the lowest price available. Also, the cost of higher-tier drugs applies to your deductible.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Do UnitedHealthcare short-term plans cover out-of-network doctors in Ohio, Georgia or North Carolina?
Yes, plans in these states cover out-of-network doctors, but at reduced benefits.
In these states, the plans use the Choice Plus network. Also, the plan treats emergency care from a non-network provider as network care.
π Where this applies: AL, AZ, AR, GA, KY, MT, NH, NC, OH, OK, UT
β How much more does out-of-network care cost on a UnitedHealthcare Choice Plus short-term plan?
For non-emergency care, your deductible is twice the network deductible.
You also pay a 25% penalty that does not count toward the deductible. In addition, you owe any charges above the eligible expense. Finally, there is no out-of-pocket maximum for non-network providers.
π Where this applies: AL, AZ, AR, GA, KY, MT, NH, NC, OH, OK, UT
β Does a UnitedHealthcare short-term plan cover out-of-network care in Iowa, Missouri, Nevada or Virginia?
No, these plans do not cover out-of-network care, except emergencies.
They use the UnitedHealthcare Choice network and pay nothing for non-emergency care outside it. However, the plan pays emergency care like network care. Even so, you may owe the difference between the bill and what the plan pays.
π Where this applies: IA, KS, LA, MO, NV, WY, VA
β What counts as an emergency on a UnitedHealthcare short-term plan?
An emergency involves sudden symptoms, like severe pain, serious enough to need immediate care.
A prudent layperson would expect serious jeopardy to health without care. Serious harm to bodily functions or an organ also qualifies.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β How does Missouri define an emergency on a short-term plan?
Missouri uses a broader definition based on symptoms, regardless of the final diagnosis.
The definition includes inadequately controlled pain. It also covers a woman in labor when a safe transfer to another hospital is not possible.
π Where this applies: Missouri
Prescription Drug Coverage
Drug benefits on short-term plans have their own limits and rules. So review drug lists and pharmacy rules before you enroll.
β Do UnitedHealthcare short-term plans cover prescriptions?
Yes, all UnitedHealthcare short-term plans include prescription coverage.
Tier 1 drugs are a $25 copay with no deductible. By contrast, Tier 2β4 drugs go toward your deductible, then your coinsurance.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Is there a limit on prescription coverage on a short-term plan?
Yes, prescription coverage has its own maximum, separate from the plan's overall benefit.
On Copay Plus and Elite, it is $5,000 in covered drug expenses per person, per term. By contrast, the limit is $2,500 on Value.
π Where this applies: FL, IN, MI, MS, NE, PA, SC, TN, TX, WI, WV
β What drug list do UnitedHealthcare short-term plans use?
Plans cover only drugs on the Prescription Drug List from OptumRx, the pharmacy benefits manager.
A UnitedHealthcare committee sets the list. Also, you can check a drug's tier online or by calling the number on your ID card.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Can a UnitedHealthcare short-term plan cover a drug that is not on the formulary?
Sometimes, and in those cases you pay no extra out-of-pocket cost.
For example, one case is when formulary drugs are not appropriate for your condition. Another is when you used the drug for 6 months before the formulary dropped it, and switching is risky.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Can my drug's tier change on a UnitedHealthcare short-term plan?
Yes, tier changes generally happen quarterly, so your cost for a drug may go up or down.
A drug can also sit on different tiers depending on what it treats.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Do I have to use a specific pharmacy for specialty drugs?
You may, because the plan may direct you to a designated pharmacy for some drugs.
For example, this can apply to specialty drugs. If you do not use the designated pharmacy, the plan does not cover that drug.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β What if I fill a prescription without my ID card or at a non-network pharmacy?
Plans generally do not cover it unless it was an emergency.
For an emergency fill, you send the claim and proof of loss directly to Golden Rule. By contrast, using your card at a member pharmacy lets the pharmacy file for you.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Do drug manufacturer coupons count toward my short-term plan deductible?
Not always, since coupon value may not apply to your copay, deductible, coinsurance or out-of-pocket maximum.
For details, check myuhone.com or call the number on your ID card.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Do I pay more for a brand-name drug when a generic is available?
Yes, you may have to pay more in that situation.
If the pharmacy dispenses a higher-tier drug with the same active ingredient, you pay the cost difference. However, this extra charge does not count toward the out-of-pocket maximum.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Are there quantity limits on prescriptions on a UnitedHealthcare short-term plan?
Yes, drugs have supply limits per prescription or per month, and these can change.
To check a drug's limit, call the number on your ID card.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Which prescriptions are not covered on a UnitedHealthcare short-term plan?
Exclusions include erectile dysfunction drugs unless medically necessary, plus drugs with an over-the-counter equivalent.
The list also includes experimental drugs, nutritional products and dental products like fluoride. In addition, plans exclude refills over 12 months from the order. Under the drug rider, plans also exclude immunization agents.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Can a UnitedHealthcare short-term plan limit me to one pharmacy?
Yes, if your drug use looks harmful or abusive, the plan can limit you to one pharmacy.
You would pick one member pharmacy within 31 days, or the plan assigns one. Then the plan pays benefits only at that pharmacy.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
Preventive Care, Screenings and Telehealth
Preventive benefits vary widely by state. For that reason, each answer shows where it applies.
β Does a UnitedHealthcare short-term plan cover preventive care or a yearly physical?
UnitedHealthcare short-term plans cover only limited preventive care.
That includes one mammogram, one Pap smear and one prostate exam and PSA test per term. The plans also cover children's preventive care. However, they do not cover routine adult physicals. Also, most preventive costs go toward your deductible first.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Are flu shots and vaccines covered on a short-term plan?
Short-term plans cover children's immunizations with no deductible, copay or coinsurance.
However, they do not cover adult immunizations, like the flu shot.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a UnitedHealthcare short-term plan cover telehealth visits?
Yes, the plan covers telemedicine the same way it would cover the service in person.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What preventive care do UnitedHealthcare short-term plans cover in Georgia, Kansas, Virginia and similar states?
These plans cover one mammogram, one Pap smear, and one prostate exam with PSA test per term.
Costs go toward your deductible, then coinsurance. However, the plans exclude other preventive care, like routine physicals, unless your state adds it.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Is a prostate exam or PSA test covered on a UnitedHealthcare short-term plan?
Yes, the plan covers one digital rectal exam and one PSA test per term.
In Alabama, Arizona, Arkansas, Ohio and Iowa, it is exempt from the deductible. By contrast, most other states limit it to men 40 or older. North Carolina has no age minimum, but a doctor must recommend it.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a UnitedHealthcare short-term plan in Iowa cover a yearly physical and adult vaccines?
Yes, Iowa plans cover one routine physical exam per person, per term, plus adult immunizations.
Children's immunizations have no deductible, copay or coinsurance. However, other preventive costs go toward your deductible, then coinsurance.
π Where this applies: Iowa
β Are colorectal cancer screenings covered on UnitedHealthcare short-term plans?
Yes, in several states, UnitedHealthcare short-term plans cover colorectal cancer exams and lab tests.
These states are Alabama, Arizona, Arkansas, Ohio, Iowa, Georgia, Kentucky, North Carolina and Nevada. Coverage also follows American Cancer Society guidelines.
π Where this applies: AL, AZ, AR, OH, IA, GA, KY, NC, NV
β Are well-child visits covered on a UnitedHealthcare short-term plan in Georgia?
Yes, Georgia plans cover child wellness services from birth until the 6th birthday.
Plus, the deductible does not apply to these services.
π Where this applies: Georgia
β Are well-child visits covered on a UnitedHealthcare short-term plan in Montana?
Yes, Montana plans cover well-child care from birth through age 7.
The deductible does not apply to this care. However, a single provider must give the care during a single visit.
π Where this applies: Montana
β Are childhood vaccines covered on a UnitedHealthcare short-term plan in Louisiana?
Yes, Louisiana plans cover childhood immunizations from birth until the 6th birthday.
Plus, the deductible does not apply to these immunizations.
π Where this applies: Louisiana
β Does a UnitedHealthcare short-term plan cover child checkups in Ohio?
Yes, Ohio plans cover child health supervision services from birth until age 9.
π Where this applies: Ohio
β How often are mammograms covered on a UnitedHealthcare short-term plan in Alabama?
Alabama plans cover a screening mammogram at least every two years for ages 40 to 49.
Women 50 and over get one every year. In addition, your doctor can recommend more frequent screening.
π Where this applies: Alabama
β How often are mammograms covered on a UnitedHealthcare short-term plan in Ohio?
Ohio plans cover one baseline mammogram from age 35 to 39.
Then, women 40 to 49 get one every two years. Women 50 to 64, or at risk, get one yearly. Also, providers can bill you only for your deductible and coinsurance.
π Where this applies: Ohio
β How often are mammograms covered on a UnitedHealthcare short-term plan in Missouri?
Missouri plans cover a baseline mammogram at ages 35 to 39 and a yearly one from age 40.
High-risk women also get yearly screening. In addition, the plans cover medically necessary MRI or ultrasound for breast cancer screening.
π Where this applies: Missouri
β Is a mammogram free on a UnitedHealthcare short-term plan in Montana?
Partly, the first $70 of your one routine mammogram per term has no cost-sharing.
That means no deductible, copay or coinsurance applies to that first $70.
π Where this applies: Montana
β Does the office visit copay apply to preventive visits in Kentucky?
Yes, the office visit copay applies to some preventive visits in Kentucky.
These are visits for mammograms, Pap smears and colorectal cancer screenings. However, the copay does not apply to other preventive visits.
π Where this applies: Kentucky
β What preventive care has no copay or coinsurance on a UnitedHealthcare short-term plan in Nevada?
Nevada plans exempt many preventive services from copays and coinsurance.
These include breastfeeding support, prenatal screenings, depression screening and HIV screening. The list also includes blood pressure and diabetes screening, plus yearly well-woman visits. In addition, the exemption applies to the routine mammogram, Pap smear and HPV testing.
π Where this applies: Nevada
β Are vaccines covered on a UnitedHealthcare short-term plan in Nevada?
Yes, Nevada plans cover all vaccinations the CDC's Advisory Committee on Immunization Practices recommends.
These vaccines have no copay or coinsurance. The plans also cover the HPV vaccine.
π Where this applies: Nevada
β Does a UnitedHealthcare short-term plan cover quitting smoking in Nevada?
Yes, Nevada plans cover smoking cessation programs for adults 18 and older.
That includes up to 2 quit attempts and 4 counseling sessions per year, with no copay or coinsurance. In other states, however, plans exclude treatment of nicotine addiction.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a Wyoming UnitedHealthcare short-term plan include adult wellness benefits?
No, the Wyoming policy does not contain comprehensive adult wellness benefits as Wyoming law defines them.
π Where this applies: Wyoming
What Short-Term Plans Cover and Exclude
These answers list the services short-term plans cover, limit or exclude. Still, your certificate is the final word on benefits.
β Does a UnitedHealthcare short-term plan cover pregnancy or maternity care?
No, UnitedHealthcare short-term plans exclude normal pregnancy.
Also, a pregnancy that exists before coverage starts counts as preexisting. However, complications of pregnancy are an exception. If you are pregnant or planning to be, an ACA plan is the better choice.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover mental health care?
In most states, the plan excludes treatment of mental health disorders, except as the certificate states.
However, some states require it. For example, Michigan, Texas and Wisconsin plans cover mental health and substance use disorders.
π Where this applies: All short-term states, with expanded benefits in Michigan, Texas and Wisconsin
β Does a UnitedHealthcare short-term plan include dental or vision?
No, these plans do not cover routine dental or vision care.
Dental coverage applies only to accidental injury to natural teeth treated within 6 months of the accident. The plan also excludes glasses, contacts and eye exams for them. So a separate dental or vision plan is worth considering.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover ambulance rides?
Yes, the plan covers ground ambulance to the nearest hospital that can treat you.
It also covers air ambulance when police or medical authorities request it, or when ground transport cannot reach you. However, that benefit tops out at $5,000 per person, per term.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover physical therapy and back treatment?
The plan covers diagnosis and treatment of spine and back problems.
However, outpatient non-surgical treatment has a $2,500 limit per term. This cap does not apply in Tennessee or Wisconsin. Also, the plans generally exclude occupational and vocational therapy.
π Where this applies: All short-term states, with no limit in Tennessee or Wisconsin
β Does a short-term plan cover rehab or a skilled nursing stay?
Yes, the plan covers rehab or extended care, with some limits.
First, care must begin within 14 days of a hospital stay of at least 3 days. That stay must be for the same condition. Also, coverage tops out at 60 combined days per person, per term.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a UnitedHealthcare short-term plan cover home health care?
Yes, the plan covers home health care provided through a licensed home health agency.
However, home health aide services have a limit of 7 visits per week. Private-duty nurse visits also have a $75 per-visit limit.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover diabetes supplies?
Yes, the plan covers diabetes equipment, supplies and services.
It also covers one diabetes self-management training program per person. However, diabetes diagnosed before coverage starts is a preexisting condition, so the plan does not cover it.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover cancer treatment?
The plan covers radiation and chemotherapy for cancer diagnosed after your coverage starts.
However, cancer that existed before the plan began is a preexisting condition. As a result, the plan does not cover it.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover autism treatment?
Yes, the plan covers diagnosis and evidence-based treatment of autism spectrum disorder.
Also, it covers outpatient applied behavior analysis (ABA) up to $50,000 per person, per term.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover organ transplants?
The plan covers some transplants, such as cornea and joint replacement, like any other illness.
Other listed transplants have a limit of two per person, with travel and lodging help at Centers of Excellence. However, without a Center of Excellence, the limit is one transplant and $100,000.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Am I covered outside the U.S. on a short-term plan?
Outside the U.S., short-term plans cover only emergency treatment.
However, the plan does not cover non-emergency care you receive outside the United States.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover weight-loss surgery?
No, the plans exclude weight modification and surgical treatment of obesity, including bypass surgery.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a short-term plan cover fertility treatment or birth control?
No, the plans exclude drugs, treatments or procedures that promote or prevent conception.
They also exclude sterilization and its reversal.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Are sports injuries covered on a short-term plan?
The plans exclude injuries from professional, semi-professional or intercollegiate sports.
They also exclude injuries from activities like skydiving, hang gliding, bungee jumping, rodeo and motor racing. That list also includes scuba diving deeper than 60 feet.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Are work injuries covered on a short-term plan?
No, the plan excludes injuries that workers' compensation covers or is required to cover.
Instead, that workers' compensation coverage should pay.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Is a weekend hospital admission covered on a short-term plan?
The plan does not cover room and board if the hospital admits you on a Friday or Saturday.
However, there are exceptions for emergencies and for medically necessary surgery scheduled for the next day.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β What if I have other insurance or Medicare along with a short-term plan?
The plans coordinate benefits so together they never pay more than 100% of covered expenses.
Also, your certificate explains which plan pays first.
π Where this applies: Every state where Vivna offers UnitedHealthcare short-term plans
β Does a UnitedHealthcare short-term plan cover TMJ surgery?
Yes, in these states, plans cover TMJ and jaw surgery, excluding tooth extractions.
Coverage has a combined limit of $10,000 per person, per term. However, some states expand this benefit.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Does a UnitedHealthcare short-term plan cover speech therapy?
Yes, in some states, plans cover care for loss or impairment of speech or hearing.
These states are Alabama, Arizona, Arkansas, Ohio, Iowa and Missouri. However, Missouri excludes public speaking, professional voice care and accent reduction.
π Where this applies: AL, AZ, AR, OH, IA, MO
β Do UnitedHealthcare short-term plans cover hearing aids?
Usually not, but some states require hearing aid coverage.
Ohio covers one hearing aid per ear, up to $2,500 every 48 months, for ages 21 and under. New Hampshire covers up to $1,500 per hearing aid per ear. In addition, North Carolina covers up to $2,500 per aid for ages under 22.
π Where this applies: Ohio, New Hampshire and North Carolina
β Does a UnitedHealthcare short-term plan cover special formula or medical foods?
Yes, in some states, plans cover medical foods and specialized formulas.
Alabama, Arizona, Arkansas, Ohio and Iowa cover both. Missouri also covers PKU formula for children under 6 at 50%, up to $5,000. In Nevada, however, special food products have a limit of $2,500 per year.
π Where this applies: AL, AZ, AR, OH, IA, MO, NV
β Is newborn care covered on a UnitedHealthcare short-term plan?
In Alabama, Arizona, Arkansas, Ohio and Iowa, plans cover routine in-hospital newborn care.
These plans also cover newborn screening tests for certain genetic disorders. In addition, North Carolina covers a newborn hearing screening ordered by the doctor.
π Where this applies: AL, AZ, AR, OH, IA, NC
β Does a short-term plan cover general anesthesia for a child's dental work?
Yes, in some states, plans cover general anesthesia for a child's dental work.
Virginia covers it for children under 5 and for severely disabled members. Georgia covers ages 7 and younger, and North Carolina covers children under 9. Nevada also covers it for an eligible child.
π Where this applies: Virginia, Georgia, North Carolina and Nevada
β Are cancer clinical trials covered on a UnitedHealthcare short-term plan?
In some states, yes, plans cover certain clinical trial costs.
Wyoming covers routine patient costs in a cancer clinical trial. Georgia covers routine costs for children diagnosed with cancer before age 19. North Carolina and Nevada also cover certain clinical trial costs.
π Where this applies: Wyoming, Georgia, North Carolina and Nevada
β Does a UnitedHealthcare short-term plan cover a wheelchair or hospital bed?
Yes, plans cover these items as rentals.
Covered equipment includes a standard non-motorized wheelchair, hospital bed, standard walker, wheelchair cushion and ventilator.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a UnitedHealthcare short-term plan cover prosthetic limbs?
In most individual-policy states, plans cover basic artificial limbs, eyes, larynx and breast prostheses.
However, plans cover a replacement only after a physical change. Alabama, Arizona, Arkansas, Ohio and Iowa cover orthotic and prosthetic devices, one every 3 years. Only the most cost-effective device qualifies for coverage.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover breast reconstruction after a mastectomy?
Yes, plans cover all stages of breast reconstruction after a mastectomy.
That includes surgery on the other breast for symmetry. Plus, plans cover prostheses and treatment of complications like lymphedema.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Are crutches, casts and braces covered on a UnitedHealthcare short-term plan?
Yes, covered medical supplies include dressings, crutches, orthopedic braces, splints and casts.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Does a UnitedHealthcare short-term plan pay for a private hospital room?
No, plans pay room and board at the hospital's most common semi-private rate.
However, plans cover intensive care unit charges up to the eligible expense.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover dialysis and blood transfusions?
Yes, plans cover hemodialysis and the processing and administration of blood.
However, plans do not cover the cost of the blood itself.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Are acupuncture and massage therapy covered on a short-term plan?
No, short-term plans exclude alternative treatments like acupuncture and massage therapy.
The list also includes acupressure, hypnotism, aromatherapy and rolfing.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover tonsil or hernia surgery?
Not unless it is an emergency, since plans exclude non-emergency tonsil and hernia treatment.
The exclusion also applies to non-emergency treatment of adenoids, middle ear disorders and hemorrhoids. However, New Hampshire and Utah drop this exclusion.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover knee or hip replacement?
Plans cover knee or hip replacement only when it relates to a covered injury.
Otherwise, plans exclude joint replacement. However, Utah does not apply this exclusion.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a UnitedHealthcare short-term plan cover LASIK?
No, plans exclude eye surgery mainly to correct nearsightedness, farsightedness or astigmatism.
However, New Hampshire does not apply this exclusion.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Is cosmetic surgery covered on a short-term plan?
No, plans exclude cosmetic treatment and breast reduction or augmentation.
However, plans cover reconstructive surgery after a covered surgery or injury. They also cover surgery for a congenital condition in a child covered since birth.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Are experimental treatments covered on a short-term plan?
No, plans exclude experimental or investigational treatments and unproven services.
In fact, the exclusion holds even if it is the only treatment available for the condition.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Can a family member who is a doctor treat me on a short-term plan?
They can, but the plan will not pay for their services.
That's because plans exclude services an immediate family member performs.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover marriage or family counseling?
No, plans exclude marriage, family and child counseling.
However, Louisiana covers marriage and family counseling but still excludes child counseling. Utah does not apply this exclusion.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Am I covered if I get hurt riding a motorcycle, horseback riding or skiing?
Generally yes, because plans exclude these injuries only when you take part or instruct for pay.
However, New Hampshire and Utah do not apply this exclusion at all.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, WY
β Are injuries from drinking or drug use covered on a short-term plan?
Generally no, short-term plans exclude these injuries.
However, Montana, North Carolina and Nevada drop this exclusion. Oklahoma drops it for intoxication. Still, Oklahoma excludes illegal drugs or controlled substances not prescribed by a doctor.
π Where this applies: AL, AZ, AR, GA, IA, KS, KY, LA, MO, MT, NV, NH, NC, OH, OK, UT, VA, WY
β Does a short-term plan cover ambulance transport for a newborn?
Yes, plans cover ambulance service to the nearest neonatal special care unit when a newborn needs that care.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β What ambulance services are not covered on a UnitedHealthcare short-term plan?
Plans do not cover non-emergency air ambulance or air ambulance outside the 50 states.
They also exclude rides for comfort or convenience. In addition, they exclude ambulance services covered by a local government unless the law requires coverage.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β What does home health care include on a UnitedHealthcare short-term plan?
Home health care can include home health aides and private-duty nurse visits.
It can also include respiratory, physical, occupational or speech therapists. In addition, plans cover IV and pain medication as they would in the hospital. Plus, it includes rentals like an infusion pump, patient lift or portable commode.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β When do rehab benefits stop on a UnitedHealthcare short-term plan?
Rehab benefits stop when your care is no longer rehabilitation.
That happens when you reach maximum therapeutic benefit or show no measurable progress. Also, care that is mainly custodial ends the benefit.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Which organ transplants does a UnitedHealthcare short-term plan cover?
The listed transplants are heart, lung, heart-lung, kidney and liver.
Plans also cover bone marrow transplants for specific conditions, such as certain lymphomas, leukemias and multiple myeloma. However, you must be a good candidate, and the transplant cannot be experimental.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
β Are a live organ donor's medical costs covered?
Yes, in some cases, plans cover a live organ donor's medical costs.
Plans cover the donor's expenses as yours if you received their organ or bone marrow. However, it must be a listed transplant, and the plan must otherwise cover those costs.
π Where this applies: GA, KS, KY, LA, MO, MT, NV, NH, NC, OK, UT, VA, WY
Coverage Differences by State
Many states require extra benefits on short-term plans. As a result, coverage for mental health, pregnancy and therapy can change across state lines.
β Does a UnitedHealthcare short-term plan in Iowa cover mental health and substance use treatment?
Yes, Iowa plans cover mental health and substance use treatment, with limits.
Plans of 3 to 6 months cover 10 inpatient days and 15 outpatient visits per term. By contrast, plans of 7 months or more cover 15 inpatient days and 30 outpatient visits.
π Where this applies: Iowa
β Does a UnitedHealthcare short-term plan cover mental health in Montana?
Yes, Montana plans cover severe mental illness.
That means schizophrenia, schizoaffective disorder, bipolar disorder, major depression, panic disorder, OCD and autism. Still, policy limits apply.
π Where this applies: Montana
β Does a UnitedHealthcare short-term plan cover mental health in New Hampshire?
Yes, New Hampshire plans cover diagnosis and treatment of biologically based mental illnesses.
Autism care also includes applied behavior analysis, therapy services and prescribed medicines.
π Where this applies: New Hampshire
β Does a UnitedHealthcare short-term plan cover mental health in Nevada?
Yes, Nevada plans cover diagnosis and treatment of severe mental illness.
π Where this applies: Nevada
β Does a UnitedHealthcare short-term plan cover a mental health evaluation in Missouri?
Yes, Missouri plans cover 2 sessions per term to diagnose or assess mental disorders.
The sessions can be with a psychiatrist, psychologist, counselor, clinical social worker or family therapist. For these sessions, the plan also treats non-network providers the same as network providers.
π Where this applies: Missouri
β Does a UnitedHealthcare short-term plan cover alcohol treatment in Ohio?
Yes, on a limited basis, Ohio plans cover diagnosis or treatment of alcoholism.
However, this coverage has a limit of $550 per policy term.
π Where this applies: Ohio
β Does a UnitedHealthcare short-term plan cover pregnancy in Montana?
Yes, Montana plans cover pregnancy care.
That includes at least 48 hours in the hospital after a vaginal birth and 96 hours after a C-section. The only pregnancy exclusion is surrogate pregnancy. Still, a pregnancy that exists when coverage starts counts as preexisting.
π Where this applies: Montana
β Does a UnitedHealthcare short-term plan cover pregnancy in New Hampshire?
Yes, New Hampshire plans cover pregnancy and its complications.
New Hampshire treats pregnancy as an illness. Still, a pregnancy that exists when coverage starts is a preexisting condition.
π Where this applies: New Hampshire
β Does a Virginia short-term plan cover pregnancy?
Generally no, though Virginia plans cover complications of pregnancy.
Virginia also covers pregnancy after rape or incest reported to police within 7 days. For a girl under 13, the reporting window is 180 days.
π Where this applies: Virginia
β Does a UnitedHealthcare short-term plan cover birth control in Nevada?
Yes, Nevada plans cover FDA-approved contraceptive drugs and contraceptive devices.
Drug coverage allows up to a 12-month supply per prescription. Coverage also includes insertion, removal, counseling and side-effect care. In addition, at least one option in each birth control method has no deductible, copay or coinsurance.
π Where this applies: Nevada
β Does a UnitedHealthcare short-term plan cover birth control in New Hampshire?
Yes, New Hampshire plans cover outpatient contraceptive services.
These include consultations, exams and medical services.
π Where this applies: New Hampshire
β Is sterilization covered on a UnitedHealthcare short-term plan in New Hampshire, Nevada or Utah?
Yes, in New Hampshire, Nevada and Utah, though the details differ by state.
New Hampshire covers sterilization but still excludes reversal. Nevada covers voluntary sterilization for women. In Utah, plans exclude neither sterilization nor its reversal.
π Where this applies: New Hampshire, Nevada and Utah
β Does a UnitedHealthcare short-term plan cover infertility testing in Georgia or Louisiana?
Georgia plans cover diagnostic testing to find the cause of infertility.
In Louisiana, plans do not exclude a covered, correctable condition just because it causes infertility. However, plans still exclude infertility treatment itself.
π Where this applies: Georgia and Louisiana
β Does a UnitedHealthcare short-term plan cover hormone replacement therapy in Nevada?
Yes, Nevada plans cover any health care service related to hormone replacement therapy.
π Where this applies: Nevada
β Is there a limit on back treatment on UnitedHealthcare short-term plans in Georgia, Louisiana or Oklahoma?
No, there is no dollar cap on back treatment in Georgia, Louisiana or Oklahoma.
The usual $2,500 limit on outpatient non-surgical spine and back care does not apply in these states.
π Where this applies: Georgia, Louisiana and Oklahoma
β Is back or spine care limited on a UnitedHealthcare short-term plan in Iowa?
Yes, Iowa plans limit outpatient spine and back care by number of visits.
Plans of 3 to 6 months cover 5 outpatient spine and back visits per term. By contrast, plans of 7 months or more cover 10 visits.
π Where this applies: Iowa
β Does a UnitedHealthcare short-term plan cover chiropractic, physical or occupational therapy in Ohio?
Yes, Ohio plans cover medically necessary chiropractic, physical and occupational therapy for a covered injury or illness.
Also, your out-of-pocket cost cannot be higher than for other covered providers.
π Where this applies: Ohio
β Is TMJ treatment covered on a UnitedHealthcare short-term plan in Alabama, Arizona, Arkansas, Ohio or Iowa?
No, the brochures for these states list TMJ and jaw disorder treatment as an exclusion.
π Where this applies: Alabama, Arizona, Arkansas, Ohio and Iowa
β How is TMJ covered on a UnitedHealthcare short-term plan in Georgia?
Georgia adds coverage for non-surgical treatment of jaw joint anomalies.
Also, surgery to correct jaw deformities has no $10,000 limit.
π Where this applies: Georgia
β How is TMJ covered on a UnitedHealthcare short-term plan in Kentucky?
Kentucky plans cover both surgical and non-surgical TMJ treatment, excluding tooth extraction.
Plus, the $10,000 maximum does not apply in Kentucky.
π Where this applies: Kentucky
β How is TMJ covered on a UnitedHealthcare short-term plan in Nevada?
Nevada plans cover both surgical and non-surgical TMJ treatment, with no $10,000 maximum.
However, plans do not cover dental procedures like extractions, orthodontics and splints.
π Where this applies: Nevada
β How is TMJ covered on a UnitedHealthcare short-term plan in North Carolina?
North Carolina plans cover diagnosis, surgery and non-surgical TMJ treatment, including splints.
However, non-surgical treatment has a limit of $3,500 per person, per term. Also, the benefit does not include braces, crowns, dentures, implants or root canals.
π Where this applies: North Carolina
β Does a UnitedHealthcare short-term plan cover autism treatment in Georgia?
Yes, Georgia plans cover autism spectrum disorder evaluation and treatment for ages 20 and younger.
However, applied behavior analysis has a limit of $35,000 per person, per term.
π Where this applies: Georgia
β Does a UnitedHealthcare short-term plan cover autism treatment in Montana?
Yes, Montana plans cover autism treatment for children under 19.
The limit is $50,000 per year through age 8. After that, from ages 9 through 18, the limit is $20,000 per year.
π Where this applies: Montana
β Does a UnitedHealthcare short-term plan cover autism treatment in North Carolina?
Yes, North Carolina plans cover screening, diagnosis and treatment of autism spectrum disorder.
However, adaptive behavior treatment has a limit of $40,000 or the limit the state sets.
π Where this applies: North Carolina
β Does a UnitedHealthcare short-term plan cover weight-loss surgery in New Hampshire?
Yes, New Hampshire covers treatment of obesity-related illness for adults 18 and older.
That includes medically necessary bariatric surgery. However, a doctor must issue a written order. Coverage also includes pre-surgery screening and post-surgery counseling.
π Where this applies: New Hampshire
β Does a UnitedHealthcare short-term plan cover hospice care in Nevada?
Yes, a terminally ill member can get hospice care for one continuous period of up to 180 days.
Room and board has a $200 daily cap at a hospice not tied to a hospital or nursing home.
π Where this applies: Nevada
β Are skydiving, scuba or rodeo injuries covered on a UnitedHealthcare short-term plan in Oklahoma, New Hampshire or Utah?
Often, yes, in Oklahoma, New Hampshire and Utah.
Oklahoma excludes them only if you take part or instruct for pay. New Hampshire covers them. By contrast, Utah excludes only intercollegiate sports.
π Where this applies: Oklahoma, New Hampshire and Utah
β Are sports injuries excluded on a Virginia short-term plan?
The Virginia brochure does not list the sports and hazardous-activity exclusions used in other states.
However, plans still exclude injuries while working as an aircraft crew member. Your policy has the full list of exclusions.
π Where this applies: Virginia
β Are work injuries covered on a Virginia short-term plan if workers' comp denies my claim?
Yes, in Virginia the work-injury exclusion no longer applies if workers' comp denies your claim.
The plan then pays benefits for covered expenses.
π Where this applies: Virginia
β How are work injuries handled on a North Carolina short-term plan?
North Carolina excludes work injury care only when the employee, employer or workers' comp insurer is liable.
That liability must come from a final ruling or an approved settlement under state law.
π Where this applies: North Carolina
β Is home health care limited on a UnitedHealthcare short-term plan in Kentucky?
Yes, Kentucky limits home health aide services to 60 visits per person, per term.
Four hours of aide services count as one visit.
π Where this applies: Kentucky
β Do I need a hospital stay before rehab is covered in Utah?
No, in Utah, rehab does not need to start within 14 days of a 3-day hospital stay.
π Where this applies: Utah
β Is there a day limit on rehab on a UnitedHealthcare short-term plan in New Hampshire?
No, the usual 60-day limit on rehabilitation and extended care does not apply in New Hampshire.
π Where this applies: New Hampshire
β Is there a limit on the number of transplants in New Hampshire or Georgia?
New Hampshire plans drop the 2-transplant limit.
Meanwhile, Georgia does not apply listed transplant limits to certain bone marrow transplants for breast cancer and Hodgkin's lymphoma.
π Where this applies: New Hampshire and Georgia
Plan Length and State Rules
How long you can keep a short-term plan depends on your state. Likewise, each state adds its own required benefits and rules.
β How long can I keep a UnitedHealthcare short-term plan in Florida?
In Florida, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Florida
β How long can I keep a UnitedHealthcare short-term plan in Texas?
In Texas, the plan length is 1 to 3 months, plus a one-month extension.
π Where this applies: Texas
β What extra benefits do Florida short-term plans include?
Florida plans add newborn coverage from birth, including hearing screenings.
They also add children's dental anesthesia in certain cases and cleft lip and palate treatment for children. In addition, Florida plans include osteoporosis care for high-risk members and expanded mammogram schedules.
π Where this applies: Florida
β What extra benefits do Texas short-term plans include?
Texas plans expand coverage to include mental health and substance use treatment.
They also offer broader dependent eligibility, such as stepchildren and some grandchildren. In addition, Texas plans add hearing aids for children and autism services. Plus, they include several added cancer and heart screenings.
π Where this applies: Texas
β How long can I keep a UnitedHealthcare short-term plan in Alabama?
In Alabama, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Alabama
β How long can I keep a UnitedHealthcare short-term plan in Arizona?
In Arizona, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Arizona
β How long can I keep a UnitedHealthcare short-term plan in Arkansas?
In Arkansas, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Arkansas
β How long can I keep a UnitedHealthcare short-term plan in Ohio?
In Ohio, you can choose 1 to 12 months, but coverage cannot exceed 364 days.
π Where this applies: Ohio
β How long can I keep a UnitedHealthcare short-term plan in Georgia?
In Georgia, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Georgia
β How long can I keep a UnitedHealthcare short-term plan in Kentucky?
In Kentucky, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Kentucky
β How long can I keep a UnitedHealthcare short-term plan in Montana?
In Montana, the plan length is 1 to 6 months.
π Where this applies: Montana
β How long can I keep a UnitedHealthcare short-term plan in New Hampshire?
In New Hampshire, the plan length is 1 to 6 months.
π Where this applies: New Hampshire
β How long can I keep a UnitedHealthcare short-term plan in North Carolina?
In North Carolina, the plan length is 1 to 3 months, plus a one-month extension.
π Where this applies: North Carolina
β How long can I keep a UnitedHealthcare short-term plan in Oklahoma?
In Oklahoma, the plan length is 1 to 3 months, plus a one-month extension.
π Where this applies: Oklahoma
β How long can I keep a UnitedHealthcare short-term plan in Utah?
In Utah, you can choose a plan length of 1 to 12 months, less one day.
π Where this applies: Utah
β How long can I keep a UnitedHealthcare short-term plan in Iowa?
Iowa plans offer 12 months of coverage, less one day.
π Where this applies: Iowa
β How long can I keep a UnitedHealthcare short-term plan in Kansas?
Kansas offers two plan lengths: 6 months or 12 months (less one day).
π Where this applies: Kansas
β How long can I keep a UnitedHealthcare short-term plan in Louisiana?
In Louisiana, you can choose a plan length of 2 to 12 months, less one day.
π Where this applies: Louisiana
β How long can I keep a UnitedHealthcare short-term plan in Missouri?
In Missouri, the plan length is 1 to 6 months.
π Where this applies: Missouri
β How long can I keep a UnitedHealthcare short-term plan in Nevada?
In Nevada, the plan length is 1 to 6 months.
π Where this applies: Nevada
β How long can I keep a UnitedHealthcare short-term plan in Wyoming?
In Wyoming, the plan length is 1 to 6 months.
π Where this applies: Wyoming
β How long can I keep a UnitedHealthcare short-term plan in Virginia?
Virginia plans offer up to 3 months of total coverage within a 12-month period.
π Where this applies: Virginia
β Which states limit UnitedHealthcare short-term plans to 6 months or less?
Montana, New Hampshire, Missouri, Nevada and Wyoming allow plan lengths of 1 to 6 months.
North Carolina and Oklahoma allow 1 to 3 months, plus a one-month extension. Meanwhile, Virginia allows up to 3 months total within a 12-month period.
π Where this applies: MT, NH, MO, NV, WY, NC, OK, VA
β What extra benefits do Georgia UnitedHealthcare short-term plans include?
Georgia adds child wellness visits to age 6 and colorectal screening.
It also covers a chlamydia test for ages 29 and under. Plus, at-risk members 35 and older get ovarian cancer surveillance. In addition, plans cover bone mass testing and treatment of a terminal condition.
π Where this applies: Georgia
β What extra benefits do Kentucky UnitedHealthcare short-term plans include?
Kentucky adds colorectal cancer screening and treatment of endometriosis or endometritis.
Women 35 and older also get baseline bone density testing. In addition, Kentucky expands TMJ coverage with no $10,000 cap.
π Where this applies: Kentucky
β What extra benefits do Montana UnitedHealthcare short-term plans include?
Montana adds pregnancy care, well-child visits through age 7 and severe mental illness treatment.
It also covers autism care for children under 19 and treatment of inborn errors of metabolism. Plus, the first $70 of a routine mammogram has no out-of-pocket cost.
π Where this applies: Montana
β Which short-term plan exclusions are relaxed in Montana?
In Montana, the exclusions for self-inflicted injury and for intoxication or drug use do not apply.
Also, the felony exclusion applies only after a conviction.
π Where this applies: Montana
β What extra benefits do New Hampshire UnitedHealthcare short-term plans include?
New Hampshire adds pregnancy care, contraceptive services, bariatric surgery and hearing aids.
It also covers enteral formulas, blood lead tests and long-term antibiotics for tick-borne illness. In addition, plans cover PFAS blood testing and early intervention therapy for children under 3.
π Where this applies: New Hampshire
β Which short-term plan exclusions do not apply in New Hampshire?
New Hampshire drops the Friday or Saturday admission rule and the LASIK exclusion.
It also covers non-emergency tonsil and hernia care and paid motorcycle, riding or skiing injuries. In addition, New Hampshire does not exclude medically necessary treatment of gender dysphoria.
π Where this applies: New Hampshire
β What does early intervention cover on a New Hampshire short-term plan?
Early intervention covers therapy for a child under 36 months with a developmental delay or disability.
Benefits have a limit of $3,200 per term and $9,600 by the third birthday. Also, the deductible, copay and coinsurance do not apply to these benefits.
π Where this applies: New Hampshire
β What extra benefits do North Carolina UnitedHealthcare short-term plans include?
North Carolina adds colorectal screening, HPV screening with the Pap smear and ovarian cancer screening for high-risk women.
It also covers osteoporosis evaluation, lymphedema treatment and certain clinical trial costs. In addition, plans include hearing aids for children under 22.
π Where this applies: North Carolina
β What is different about UnitedHealthcare short-term plans in Oklahoma?
Oklahoma plans have no $2,500 cap on spine and back care.
Also, plans exclude risky sports and activity injuries only if you take part for pay. In addition, the war exclusion applies to charges incurred while serving in the U.S. military.
π Where this applies: Oklahoma
β What is different about UnitedHealthcare short-term plans in Utah?
Utah plans cover individual adults only.
They add dietary products for certain inborn metabolic disorders. In addition, many standard exclusions do not apply in Utah. These include TMJ, sterilization, joint replacement and durable medical equipment.
π Where this applies: Utah
β What extra benefits do Ohio UnitedHealthcare short-term plans include?
Ohio adds alcoholism treatment up to $550 per term, child health checkups to age 9 and kidney dialysis.
It also covers hearing aids for ages 21 and under and expanded mammogram screening. In addition, plans cover chiropractic, physical and occupational therapy for a covered illness or injury.
π Where this applies: Ohio
β What extra benefits do Louisiana UnitedHealthcare short-term plans include?
Louisiana adds childhood immunizations to age 6.
It also covers a forensic exam for sexual offense victims with no out-of-pocket cost. In addition, Louisiana plans have a 30-day free look and no cap on back care. Plus, plans do not exclude marriage and family counseling.
π Where this applies: Louisiana
β What extra benefits do Missouri UnitedHealthcare short-term plans include?
Missouri adds 2 mental health assessment sessions, lead poisoning tests and speech and hearing care.
It also covers PKU formula for young children and expanded mammogram screening. However, a variable deductible applies if you gain other coverage.
π Where this applies: Missouri
β What extra benefits do Nevada UnitedHealthcare short-term plans include?
Nevada adds severe mental illness care, contraception, HPV testing and vaccine, and hormone replacement therapy.
It also covers sickle cell care, hospice, clinical trials and many preventive services without copay or coinsurance. Plus, TMJ care has no $10,000 cap.
π Where this applies: Nevada
β What extra benefits do Wyoming UnitedHealthcare short-term plans include?
Wyoming plans cover routine patient costs in a cancer clinical trial.
They also cover equipment, supplies and training for inherited enzymatic disorders. In addition, Wyoming uses a 6-month preexisting look-back and a variable deductible.
π Where this applies: Wyoming
β What extra benefits do Virginia UnitedHealthcare short-term plans include?
Virginia adds dental anesthesia for young children, lymphedema treatment and prosthetic device repair.
After a hysterectomy, Virginia covers a hospital stay of at least 23 or 48 hours, depending on the type. However, you and your doctor can choose a shorter stay. Also, disabled adult children can stay covered past 26.
π Where this applies: Virginia
β What is different about UnitedHealthcare short-term plans in Kansas?
Kansas plans come in two lengths: 6 months or 12 months less one day.
Otherwise, benefits follow the standard brochure for Kansas, Louisiana, Missouri, Nevada and Wyoming. Also, care must come from the Choice network, except emergencies.
π Where this applies: Kansas
β What is different about UnitedHealthcare short-term plans in Arizona and Arkansas?
The only listed state variation is plan length: 1 to 12 months, less one day.
Also, these are FACT association plans on the Choice Plus network, with reduced non-network benefits.
π Where this applies: Arizona and Arkansas
β What is different about UnitedHealthcare short-term plans in Iowa?
Iowa offers only Copay Plus and Elite, with a $22,500 out-of-pocket maximum.
Plans cover mental health and substance use with visit limits, plus a routine physical and adult vaccines. However, there are no non-network benefits except emergencies.
π Where this applies: Iowa
π More Short-Term Health Insurance Guides
These answers cover the basics of each UnitedHealthcare short-term plan. When you want more depth, these guides from our licensed agents compare short-term, tri-term and ACA options. Then, if a question comes up, call 888-730-6001 anytime.
π Short-Term and Tri-Term Guides
𧩠More UnitedHealthcare FAQ Libraries
π Questions About a UnitedHealthcare Short-Term Plan?
These answers cover the most common short-term questions, but every state and family is different. Therefore, our licensed agents compare UnitedHealthcare short-term, tri-term and ACA options for free.
Best of all, our help costs you nothing. Request a free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the UnitedHealthcare short-term plans website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. Short-term plans are not ACA plans. Plans and availability vary by state.