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 Circle of Champions
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2022 Marketplace Carriers
Short Term Medical Insurance 
from UnitedHealthOne 
Golden Rule Insurance Company
Health Protector Guard
underwritten by Golden Rule Insurance Company **Watch the Video

Health Insurance

Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it?

  • Because accidents or health problems can happen at any time

  • Medical expenses can be high—they’re the number one cause of bankruptcy

  • To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies

  • To pay and keep track of medical payments quickly and easily

  • To safeguard your way of life and your family’s physical and financial wellbeing

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What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a resource where individuals, families, and small businesses can:

  • Compare health insurance plans for coverage and affordability.

  • Get answers to questions about your health care insurance.

  • Find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP).

  • Enroll in a health insurance plan that meets your needs.

The Marketplace is available online at:

Understanding Health Insurance Terms

We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms: 

Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible. 

Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly. 

Coinsurance: This is the percentage of your medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20. 

Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible. 

There are other insurance terms that may be confusing to you, but starting with these four is a good foundation. You can always check our glossary for more terms and definitions.

Short Term Medical Insurance

TriTerm Medical Offers: 

3-Year Short Term Underwritten by Golden Rule Insurance Company

  • Preventive Care Coverage: You don't have to be sick to access care. After 6 months on the plan, take your family to the doctor for wellness checks -- a $200 benefit per term, per person.

  • Doctor Office Coverage: Doctor visits are covered on all TriTerm Medical plans. With some plans, your first 4 doctor visits (per term, per person) cost $50 each with no deductible to meet.

  • Prescription Coverage: All TriTerm Medical plans have prescription coverage. Copay Select plans have a $25 copay for common (Tier 1) prescriptions.