Short Term Medical Plans
More coverage and rate flexibility with simplified plan designs. No application fees on many plans; prescription coverage on nearly all plans.
Typical flow: ~25 minutes
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UnitedHealthOne · Official quoting paths
UnitedHealthOne coverage—built for real life, priced for your budget
UnitedHealthOne (UHOne) offers a broad portfolio of supplemental health products: short-term medical, TriTerm, fixed indemnity, hospital indemnity, dental & vision, accident, critical illness, term life, telehealth, and more. Use the secure UHOne links below to quote and enroll—each opens in a new tab. Prefer a personal walkthrough? Isaac Plans is one message away.
- National carrier-backed products with network access where applicable
- Clear plan designs with disclosures before you enroll
- Licensed guidance from Isaac Plans when you want a second opinion
UnitedHealthOne
Medical & longer-term bridge coverage
Temporary major-medical-style options and enhanced fixed-benefit designs.
TriTerm Medical Plans
Short-term health insurance with coverage durations of nearly three years in select states. More robust benefits than typical STM—available in 16 states.
Typical flow: ~25 minutes
Enhanced Health ProtectorGuard (Fixed Indemnity)
Available in 35 states. Wellness, doctor visits, and Rx coverage on every plan—plus UnitedHealthcare Choice Plus network access and HealthiestYou telehealth (Teladoc Health).
Typical flow: ~20 minutes
UnitedHealthOne
Hospital cash & fixed indemnity
Cash benefits for hospital events—often paired with Medicare Advantage or high-deductible medical plans.
AdvantageGuard Plans
Hospital indemnity for issue ages 60–90: fixed cash benefits for hospital-related events. Optional benefits designed to pair with Medicare Advantage when you pay out-of-pocket.
Typical flow: ~15 minutes
HospitalWise Plans
Guaranteed-issue hospital indemnity with straightforward cash benefits paid directly to your client for hospital services—no copays, deductibles, or network restrictions in the benefit design.
Typical flow: ~30 minutes
Hospital Indemnity (GI)
Guaranteed-issue hospital indemnity options for clients who need simplified underwriting and cash benefits for hospital stays.
Typical flow: Varies
Hospital Guard (Guaranteed Issue)
Relief for high-deductible medical plans—fixed benefits for hospital services, some outpatient care, and accidental death benefits, with optional telehealth add-on.
Typical flow: ~25 minutes
Hospital SafeGuard & Supplemental Indemnity
Guaranteed-issue hospital indemnity products that complement major medical—cash benefits for hospital and related services. Use the supplemental indemnity path for SafeGuard-style enrollment.
Typical flow: ~25 minutes
UnitedHealthOne
Critical illness & life protection
Lump-sum cash for serious diagnoses and affordable term life with optional riders.
CriticalGuard Plans
Critical illness coverage focused on what matters most—cancer, heart conditions, major conditions including Alzheimer’s—with guaranteed-issue options in many designs.
Typical flow: ~15 minutes
Term Life SafeGuard
Term life with optional critical illness coverage—an important conversation for families who want protection during difficult times.
Typical flow: Varies
UnitedHealthOne
Dental, vision & discount programs
Standalone coverage and discount options to round out your benefits.
DentalWise Max (DVH) & DentalWise
DentalWise Max bundles dental, vision, and hearing in one plan; DentalWise is dental-only. Both use the UnitedHealthcare dental network and fit most budgets.
Typical flow: ~16 minutes
Dental Discount
Discount program for dental savings—use when a full dental plan isn’t the right fit.
Typical flow: Varies
VisionWise (Vision standalone)
Glasses and contacts coverage with no wait for an annual eye exam—simple, budget-friendly, and retail-friendly.
Typical flow: ~6 minutes
UnitedHealthOne
Accident coverage
Cash benefits for accidental injury—simple structures for families and individuals.
AccidentWise
Lump-sum cash for accidental injury and treatment. Easy plan structure for primary insured ages 18–75.
Typical flow: ~15 minutes
Accident ProGuard Series
Flexible accident coverage—including combinations with critical illness, hospital indemnity, and AD&D in select states. Availability varies by state.
Typical flow: ~6 minutes
UnitedHealthOne
Wellness & telehealth
Virtual care and behavioral health access when you need it.
HealthiestYou (Telehealth)
Virtual care access through the HealthiestYou path—convenient visits when you need a clinician quickly.
Typical flow: Varies
Mental Health
Behavioral health quoting path on UHOne for eligible products and states.
Typical flow: Varies
Want Isaac to compare UHOne with other carriers?
Use the quote button—same secure, bilingual intake we use for every STM and supplemental client. We’ll help you weigh trade-offs before you enroll.
Important
Products, availability, underwriting, and benefits vary by state and plan. This page is educational and provides links to the carrier’s authorized quoting experience. Read all disclosures, certificates, and policy documents before you enroll. Isaac Plans Insurance is compensated when you enroll through applicable carrier programs.