UniCare’s Short-Term Health Insurance Plan
This Individual Short-Term (limited duration) health insurance plan with preferred provider (PPO) benefits features a $2 million per member lifetime maximum in benefits.
This plan offers the immediate coverage you need:
- Between jobs
- After graduation
- While waiting for permanent coverage
The power to choose:
- Coverage from 30 to 180 days
- Any day of the month to begin or end coverage
- Preferred deductible from $250 to $2,000
Maximum Coverage Period
You decide how long you need coverage with your UniCare Short-Term Plan. This plan is nonrenewable and designed to meet your temporary health insurance needs while you are waiting for permanent coverage.
After your Short-Term Plan expires, you may complete a new application and reapply for a new Short-Term Plan with a new deductible to be satisfied. However, after you have completed two coverage periods of a Short-Term Plan with less than six months lapse in between, you must wait six months to be eligible to apply for another Short-Term Plan.
Eligibility and Enrollment
Pricing is based on a per member, per day rate. Please submit your check for the entire premium with your application.
For faster service, you may also choose to pay by credit card (VISA, MasterCard or Discover) and submit your application via fax. Your coverage will begin once your application has been approved by UniCare.
To qualify for coverage, you must be:
- At least 15 days old and under age 65; and
- A resident of Illinois; and
- A resident of the United States for at least six months.
To qualify for coverage, your dependents must be:
- Your lawful spouse of the opposite sex under age 65;
- Your unmarried child(ren) between the ages of 15 days and 23 years; or
- Your unmarried stepchildren between the ages of 15 days and 23 years; orYour unmarried adopted child or a child whom
you are in the legal process of adopting; or
- Your unmarried grandchild(ren) between the
ages of 15 days and 23 years if they are your
dependents for federal income tax purposes at the
time of application.
Please note: no dependents or newborns can be added
once the plan is issued.
Effective Date of Coverage
Your effective date is determined by the date you choose to start coverage in accordance with the terms of the plan and acceptance by UniCare. Assuming UniCare’s acceptance, coverage will take effect at 12:01 a.m. on the date following the U.S. Postal Service postmark date stamped on the envelope or receipt date by UniCare. If you pay by credit card and submit your application via fax, coverage may become effective as early as 12:01 a.m. the next day. If you submit your application by fax, please do not mail your application to UniCare.
What The Plan Covers*
- $2 million per person lifetime benefit
- Emergency care
- Hospitalization services
- Outpatient services
- Access to any doctor you choose
- Professional services including x-ray, lab, and office visits
- Prescription drugs
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