UHC SHORT TERM & HPG
Health Coverage That Fits Your Needs
Explore flexible health coverage options from UnitedHealthcare, including Short-Term Medical and Health ProtectorGuard.
Whether you're between jobs, waiting for employer coverage, or looking for additional protection against medical expenses, we can help you understand your options and find coverage that fits your situation.
*Coverage, availability, benefits, limitations and exclusions vary by plan and state. Not all plans are available in all states.
WHY CONSIDER ONE
Why consider these coverage options?
1
Temporary Coverage
Short-Term Medical can help provide health coverage during gaps between traditional insurance plans, such as between jobs or while waiting for other coverage to begin.
2
Help With Medical Expenses
Health ProtectorGuard provides fixed cash benefits for eligible healthcare services, including certain hospital, surgical, ambulance, office-visit and prescription expenses.
3
Options to Fit Your Budget
Different coverage levels allow you to consider the balance between monthly premium, benefits and the level of protection you want.
WHAT ARE THE DIFFERENCES?
Two ways to protect yourself
Temporary health coverage when you need it.
Short-Term Medical is designed for individuals and families who need temporary health insurance. Depending on the plan and state, coverage may include doctor visits, hospitalization, emergency care, surgery and other eligible medical services.
Good for people who are:
- Between jobs or employer health plans
- Waiting for other health coverage to begin
- No longer covered under a parent's plan
- Looking for temporary coverage
- Experiencing a gap in traditional health insurance
*UHC describes its Short-Term Medical products as temporary coverage and notes that plans can have medical underwriting and limitations, including exclusions for pre-existing conditions.
Fixed benefits to help with eligible medical expenses.
Health ProtectorGuard is fixed-indemnity coverage designed to pay predetermined cash benefits for eligible healthcare services. Benefits can help with expenses associated with areas such as hospital stays, surgery, ambulance services, office visits and prescriptions.
Good for people who are:
- Predictable fixed benefits
- Help with eligible out-of-pocket medical expenses
- Hospital and surgical benefits
- Office-visit and wellness benefits
- Prescription-related benefits
ESTIMATOR
UHC Short Term & HPG estimator
Find health plans in your area. Enter a few details to see plans available to you.
Availability and pricing depend on the details you enter and are subject to carrier terms. This form is provided by ePro Associates to help you request a quote; final plans and rates are determined by the insurer. Not all plans are available in all areas.
Not sure what you need?
A licensed ePro Associates agent can walk you through the differences, explain the available options in your state, and help you compare coverage.
No obligation · Licensed agents
Good to know
Frequently asked questions
What is Short-Term Medical insurance?
Short-Term Medical is designed to provide temporary health insurance for individuals and families who need coverage for a limited period.
What is Health ProtectorGuard?
Health ProtectorGuard is fixed-indemnity insurance that pays predetermined cash benefits for eligible covered medical services.
Is Health ProtectorGuard the same as major medical insurance?
No. Health ProtectorGuard is fixed-indemnity coverage and should not be presented as equivalent to comprehensive ACA major medical insurance.
Does Short-Term Medical cover pre-existing conditions?
Generally, no. Short-Term Medical plans may exclude pre-existing conditions and are medically underwritten. Exact limitations depend on the plan and state.
Can I have Short-Term Medical and Health ProtectorGuard together?
In some situations, yes. UHC specifically describes Guard plans as potentially complementing Short-Term Medical or TriTerm Medical where available.
Are these plans available in every state?
No. Product availability, benefits, eligibility and maximum coverage periods vary by state. UHC's product availability materials show substantial state-by-state differences.
Coverage, availability, benefits, limitations and exclusions vary by plan and state. Not all plans are available in all states.
Not sure which coverage is right for you?
Talk with a licensed ePro Associates agent to review your situation, compare available options and understand what each plan does—and doesn't—cover.
Licensed agents · No obligation · Coverage tailored to your needs