Short Term Medical
More than 77% of Short Term plans were issued
outside of Open Enrollment in 2016.1
Product Information
Gone are the days when Short Term plans were only for clients between jobs and early retirees waiting for Medicare eligibility. Short Term Medical has evolved into a product most anyone can use to bridge the gap to other coverage. Offering benefits for major medical events with an out-of-pocket maximum, Short Term insurance plans can serve as a budget-friendly insurance option.
Watch a brief video to learn more about Short Term Plans
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Start here with these sales tips to help you with
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Sales Tips
We want you to be successful and feel prepared to present our product portfolio to your clients.
Use these Sales Tips to grow your Short Term business.
Short Term bundles with other products
Bundle Short Term Medical with other supportive health products to provide even greater coverage and earn more compensation. Consider products like Dental, Vision, Critical Illness, and Accident with your next Short Term quote. Remember, even when Short Term coverage ends, the coverage for additional plans continues, as long as premium is paid, so you'll keep earning commissions.
Short Term with Accident
Supplemental Accident rider or an Accident ProGuard plan can offer benefits that can help cover higher deductibles and out-of-pocket exposure when an accident occurs.
Compare the two and then use E-Store's Shopping Cart to create the right quote for your customer.
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Supplemental Accident Optional Benefit
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Accident ProGuard |
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Paid toward the Short Term plan deductible and coinsurance up to the benefit amount.
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Pays cash to your client, fixed amounts, based on accident and services as a result of the accident.
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Benefit amounts range from $1,000 - $12,500
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Includes AD&D and Critical Illness benefit
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Single Bill - Premium paid with Short Term plan premium
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Separate premium, but if the Short Term plan ends, this plan will continue as long as premium is paid. |
When is the right time to offer a certain product?
How does it compare to other options?
We have the answers right here.
Product Positioning
We know your clients have a choice of products to meet their needs. That’s why we want to share a
few ways our Short Term products may be the best option for your client.
- Short Term covers specific preventive services for children - This feature makes Short Term plans especially appealing to families with young children.
- Range of plan options available - The Short Term portfolio offers a range of plans with deductible options to meet your clients needs.
Not for consumer use. Golden Rule Insurance Company is the underwriter and administrator of these plans.
1Actual 2016 UnitedHealthOne® results.