UnitedHealthCare Golden Rule Insurance Company

Short Term Medical Insurance

Short Term health insurance, underwritten by Golden Rule Insurance Company, is a simple to understand temporary health insurance solution. Coverage is available for 30 days to less than one year and varies by state.

Available in: AL, AR, AZ, DE, FL, GA, IA, IL, IN, KY, LA, MI, MN, MO, MS, NC, NE, NV, OH, OK, OR, PA, TN, TX, VA, WI, WV, WY
In most cases you can get covered as early as the day after you apply. Choose from a number of short term medical insurance plan options, deductibles and coinsurance
Simply Enter your Zip Code and Birth Date for a instant Quote
Quote or Apply
Call Consumer Benefits at 1-800-544-9505 with Questions

Brochures are available when getting a quote.

Brochures are state specific and will give a brief overview of the options available along with state specific variations, benefits, exclusions, and limitations.

Urgent Care Copay

If you have a minor illness, accident or injury, use a Urgent Care Center and you pay a copay.

Need more than just health coverage?

The Short Term Medical Plan can be bundled with Dental, Accident Medical and Critical Illness plans in most states.

Short Term Health Insurance Features


  • Lifetime maximums up to $2,000,000 Lifetime Maximum per Covered Person depending on plan selected

  • Choice of Coverage Periods - Varies by state

  • You may be able to apply for another plan if you need additional coverage
  • Access an extensive network of health care professionals, hospitals and other facilities
  • Choice of Deductibles ranging from $1,000 to $12,500

  • Coinsurance options - Many coinsurance options to choose from

  • Choose a monthly plan or choose the single payment option for additional savings

  • Free Look Period
Short Term Coverage for those who are
  • Between jobs or laid off - Waiting for employer benefits
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Electronic Approval and Fulfillment

When applying , your application is reviewed by underwriting and the process can take typically 1 to 5 business days. Once approved, you will be notified by email. You will be able to log in for access to your plan documents and ID cards.

The benefits and plan description on this page are a brief summary for informational use only. Review the evidence of coverage and insurance plan contract for a detailed description of coverage, benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.


Product design, availability, term length and additional term vary by state.


This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call [or write] your insurance agent or the company.


The above is an independent broker offering plans underwritten by Golden Rule Insurance Company and other insurers.




Long Term Consumer Care, Inc. BBB Business Review




Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.

Short term health coverage is available for 30 days to just under a year (varies by state).


You can also choose the single payment option for your temporary coverage and receive a discount on the premium.

In most cases, your short term coverage can begin as early as the next day. You can also select a later effective date


About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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Get in Touch

  • Phone:
    (800) 544-9505 or 262-798-1069
  • Email:
  • Address:
    600 Poplar Creek Dr
    Brookfield, WI 53045-3516