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Individual and family insurance products underwritten by Golden Rule Insurance Company

Short Term

Temporary family and individual plans that fit your lifestyle and budget.¹

Learn more about Short term health insurance

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TriTerm Medical

3 year² short term insurance coverage for doctor visits, preventive care, Rx and more. Select states only.

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Hospital & doctor

Health ProtectorGuard fixed indemnity insurance³pays set amounts for covered medical services.

Learn more about Fixed indemnity insurance

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Dental

Dental plans⁴ that can keep you smiling while helping you with many dental expenses.

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Vision

Vision plans⁵ to help you keep seeing things clearly. Buy Vision coverage on its own or with Dental insurance.

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Accident

Accident insurance³ coverage and benefits can help with expenses in the case of an accidental injury.

Learn more about Accident Insurance

Plans design and availability vary by state.

View Accident plans

Over 65 and looking for Medicare options? Learn more here.

Coverage from a Rated "A+" Company

Golden Rule Insurance Company which underwrites the above products is rated “A+” (Superior) by A.M. Best⁶, indicating financial strength and stability.

Footnotes

Short term plans are medically underwritten and do not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms. This plan is medically underwritten. Premium rates are estimated and subject to change based on underwriting results and health status. No benefits will be paid during the first 12 months for a preexisting condition. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage or preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Next day effective dates are not available with TriTerm Medical Insurance plans. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or minimum essential coverage) may result in an additional payment with your taxes.
Dental benefits are administered by Dental Benefit Providers, Inc.
In several states, this policy cannot be terminated by you within the first 12 months of coverage. This is not applicable in every state. Please see the product information for details.
Ratings as of 12/09/2021. A.M. Best is a worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.

Disclaimers

For costs, benefits, exclusions, limitations, eligibility, waiting periods and renewal terms get a quote or call 1-800-321-1992.