Is Unified National Health/Multiplan a legitimate major Health Insurance provider? 
Unified national offers short term and limited benefit indemnity based health insurance plans . Short Term plans are made to cover people that recently lost coverage or just need coverage for a few months up to 1 year . Limited benefit plans pay a set dollar amount out towards claims costs . They can help offset costs to an extent but will not provide any type of adequate coverage for a large claim . In general , these plans will not meet the ACA definition as a compliant plan and will not waive the ACA `` Obama Care '' penalty as a result . Multiplan is a national network of doctors that Unified rents so they have a network that can be used . They are a separate company from Unified and are just in the business of renting their network of doctors out to insurance companies that do not have their own network or have a regional or limited network they want to supplement . 