Understanding Triterm Insurance: The Trifecta Of Coverage

TriTerm Medical Insurance is a type of short-term health insurance that offers coverage for nearly 36 months, or three years, over three terms. It is underwritten by the Golden Rule Insurance Company and provides access to health care for millions of Americans. TriTerm Medical Insurance is designed to bridge the gap between traditional short-term insurance plans, which typically offer limited benefits for up to one year, and long-term health insurance options. It provides more extensive benefits, such as preventive care, office visits, urgent care, and prescription drug coverage, for a longer duration. This type of insurance is ideal for individuals or families who are generally healthy and do not have extensive pre-existing medical conditions.

TriTerm Medical Insurance is a type of short-term health insurance that lasts for three years

One of the key advantages of TriTerm Medical Insurance is the extended duration of coverage compared to standard short-term plans. This longer coverage period provides individuals and families with greater peace of mind and helps ensure access to healthcare services for a more extended period.

In addition to its longer term, TriTerm Medical Insurance also stands out for its comprehensive benefits. These benefits include coverage for preventive care, doctor office visits, urgent care, and prescription drug coverage. After the first 12 months on the plan, eligible services related to certain pre-existing conditions may also be covered. TriTerm Medical Insurance offers a $5,000 maximum benefit per person, per term, for outpatient prescriptions, and some plans feature tiered pricing, allowing access to common Tier 1 prescription medications with a simple $25 copay and no deductible.

Another benefit of TriTerm Medical Insurance is its wide-reaching network of healthcare providers. With access to over 1.4 million doctors and other healthcare professionals, as well as more than 6,500 hospitals and medical facilities in the UnitedHealthcare network, TriTerm Medical Insurance offers a broad range of options for individuals seeking care. This extensive network increases the likelihood of finding an in-network provider in your area, which may even include your current doctor.

TriTerm Medical Insurance also offers flexibility in terms of enrolment and coverage options. These plans are available year-round, and coverage can begin as early as five days after submitting an application. TriTerm Medical Insurance provides a range of plans and deductible choices, allowing individuals to select the option that best suits their specific budget and healthcare needs.

While TriTerm Medical Insurance offers a range of benefits, it is important to note that it is not available in all states. Currently, only 18 states, including Florida, Texas, Arizona, and Georgia, permit the purchase of TriTerm Insurance. Additionally, TriTerm Medical Insurance is subject to medical underwriting, which means that factors such as age, health status, and medical history are considered when determining eligibility for coverage.

It is underwritten by the Golden Rule Insurance Company and offers more benefits than traditional short-term insurance

TriTerm Medical Insurance is a type of short-term health insurance underwritten by the Golden Rule Insurance Company and offered by UnitedHealthcare. It is designed to fill gaps in coverage for individuals and families who are between traditional plans. TriTerm Medical Insurance provides nearly 36 months of coverage over three terms, offering more benefits and lasting longer than traditional short-term insurance.

TriTerm Medical Insurance offers a range of benefits, including:

Pre-existing condition coverage

After the first 12 months on the plan, eligible services related to some pre-existing conditions may be covered.

Prescription medication benefits

There is a $5,000 covered expense maximum benefit per person and term for outpatient prescriptions on most plans. Some plans also offer tiered pricing, allowing many common Tier 1 prescription medications for a $25 copay with no deductible.

Preventive care

After an initial six-month waiting period, most TriTerm Medical plans include a $200 benefit per person and term for preventive care wellness checks.

Doctor office visits

Doctor visits are covered on all TriTerm Medical plans, with some plans offering a $50 copay for the first four doctor visits per person each term with no deductible.

Access to a wide network of doctors and hospitals

TriTerm Medical plans offer access to a large network of healthcare professionals and facilities. This includes approximately 1.4 to 1.8 million doctors and other healthcare professionals, and over 6,500 hospitals and medical facilities in the United States.

Year-round enrollment

TriTerm Medical plans are available year-round, and coverage can begin as early as five days after the application is received.

Budget-friendliness

TriTerm Medical plans can be a more affordable option for families with a modified adjusted household income of more than $150,000, who may not qualify for tax credits on the marketplace.

Overall, TriTerm Medical Insurance, underwritten by the Golden Rule Insurance Company, offers a comprehensive range of benefits that cater to the needs of individuals and families who require short-term health coverage.

TriTerm Medical Insurance is available in select states and offers year-round enrolment

TriTerm Medical Insurance is a type of short-term health insurance that offers coverage for nearly three years. It is available in select states and offers year-round enrolment, meaning you can apply for coverage at any time.

TriTerm Medical Insurance is underwritten by the Golden Rule Insurance Company, which has been a part of UnitedHealthcare since 2003. The insurance plan is designed to provide health coverage for a longer duration than traditional short-term insurance plans, offering nearly 36 months of coverage over three terms. It is available in select states, including Florida, Texas, Arizona, and Georgia, and offers year-round enrolment.

One of the key advantages of TriTerm Medical Insurance is its extended duration compared to standard short-term plans. This provides individuals and families with a more stable and comprehensive insurance solution, especially for those who need coverage for a longer period. The plan offers benefits such as preventive care, doctor office visits, urgent care, prescription drug coverage, and more. Additionally, TriTerm Medical Insurance provides access to a large network of healthcare professionals and facilities, including approximately 1.5 million physicians and 7,000 hospitals.

The year-round enrolment feature of TriTerm Medical Insurance means that individuals can apply for coverage at any time, without having to wait for a specific enrolment period. This flexibility is particularly useful for those who may have missed the open enrolment period for other insurance plans or those who are transitioning between insurance options. The coverage can begin as early as five days after submitting an application, making it a convenient option for those seeking immediate health insurance coverage.

TriTerm Medical Insurance also offers a range of deductible choices and plans to suit different budgets and needs. Individuals can choose from various plans, such as Copay Select Max, Plan 80 Max Balanced Plan, and Plan 100 Max, each offering different levels of coverage and benefits. The ability to customize the insurance plan makes it accessible to a wider range of individuals with varying financial situations.

It covers preventive care, doctor office visits, urgent care, prescription drugs and more

TriTerm Medical Insurance is a type of short-term health insurance that offers more benefits than standard short-term plans. TriTerm Medical Insurance covers preventive care, doctor office visits, urgent care, prescription drugs and more.

Preventive Care

Preventive care is covered by most TriTerm Medical plans, with a benefit of up to $200 per person, per term. This includes coverage for preventive care wellness checks and child immunisation services. However, there is usually a waiting period of around six months before preventive care benefits take effect.

Doctor Office Visits

Doctor visits are covered by all TriTerm Medical plans. With the Copay Select Max plan, your first four doctor visits per term, per person, cost $50 each with no deductible to meet.

Prescription Drugs

Prescription medication benefits are also included in TriTerm Medical plans, with a $5,000 covered expense maximum benefit per person, per term, for outpatient prescriptions. Some plans offer tiered pricing, allowing you to get common Tier 1 prescription medications for a simple $25 copay, with no deductible.

Urgent Care

TriTerm Medical plans also cover urgent care visits and emergency room visits.

Other Benefits

In addition to the above, TriTerm Medical Insurance offers benefits such as:

• Coverage for eligible expenses related to pre-existing conditions after being on the plan for 12 months.
• A large provider network of physicians and healthcare professionals, as well as hospitals and other medical facilities.
• Year-round enrollment with no open enrollment period.
• A range of deductible and coinsurance options to suit different budgets and needs.
• Coverage for hospitalisation, surgery, and medical emergencies.
• Optional accident benefit coverage for additional protection in case of accidental injuries.

It is important to note that TriTerm Medical Insurance is not available in all states and has certain limitations, such as not covering pre-existing conditions for the first 12 months and not including maternity care.

TriTerm Medical Insurance is ideal for healthy individuals or families who are approaching Medicare age

TriTerm Medical Insurance is underwritten by the Golden Rule Insurance Company and offers a range of benefits, including preventive care, doctor office visits, urgent care, prescription drug coverage, and more. The plans are available for individuals and families, with the primary applicant being between the ages of 19 and 63. Coverage ends at age 65 when individuals become eligible for Medicare.

One of the advantages of TriTerm Medical Insurance is that it provides access to a large network of doctors and hospitals. It offers coverage from over 1.3 million to 1.8 million physicians and other healthcare professionals and more than 6,500 hospitals and medical facilities in the United States. This means that there is a good chance that your current doctor is included in the network.

Another advantage is that TriTerm Medical Insurance plans are available year-round, and coverage can begin as early as 5 days after applying. Additionally, these plans offer flexibility in choosing deductible and coinsurance levels to suit different needs and budgets.

However, it is important to note that TriTerm Medical Insurance is not available in all states and is subject to medical underwriting, which means that factors such as health status, medical history, and prior applications are considered when determining eligibility.

Frequently asked questions