Frequently Asked Questions


Questions About International Plans

Who is the Plan Administrator for the International Plans?
HCC Medical Insurance Services (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), a leading international specialty insurance group with offices across the United States and in the United Kingdom, Spain and Ireland. HCC specializes in diversified financial products; group life, accident and health; aviation; London market account; and other specialty lines of business. HCC's major domestic and international insurance companies have a financial strength rating of "AA (Very Strong)" from Standard & Poor's Corporation. HCC's major domestic insurance companies have a financial strength rating of "AA (Very Strong)" from Fitch Ratings, "A1 (Good Security)" from Moody's Investors Service, Inc., and "A+ (Superior)" by A.M. Best Company, Inc. HCC trades on the New York Stock Exchange under the symbol "HCC." With assets of $10.3 billion and shareholders' equity of $3.6 billion on December 31, 2013, HCC is well capitalized and well positioned to continue its success.
Who is the Insurer for the International Plans?

HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd

Our international insurance plans are insured by Syndicate 4141 or 308 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world and is rated "A (Excellent)" by A.M. Best Company and "A+ (Strong)" by Standard & Poor's. Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.

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Atlas Travel®

Am I Eligible for an Atlas Travel Insurance Plan?
If you are at least 14 days old and traveling internationally for at least 5 days, you are eligible for coverage. If you are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. Atlas International insurance offers coverage for applicants over 80 with a $10,000 policy maximum.

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When Does Coverage Become Effective and When Does it End When I Purchase an Atlas Travel Insurance Plan?
Your Atlas Travel insurance coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am* on the date we receive your Application and payment (if Application and payment are made by mail), the moment you depart from your Home Country, or 12:01am on the date you request on your Application. Your coverage will end on the earliest of: 11:59pm on the last day of the period for which you have paid a premium, 11:59pm on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).

*Times expressed above are based on U.S. Eastern Time.

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Does the Atlas Travel International Plan Provide Any Home Country Coverage?

Yes. Atlas International and Atlas America will provide foreign visitors with limited Home Country Coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, the Atlas Travel Series will pay Eligible Medical Expenses that are incurred in the Member's Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered under the Atlas Travel Series, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member's Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

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Which Atlas Travel Plan Should I Purchase, Atlas America or Atlas International?
U.S. citizens, as well as non-U.S. citizens traveling outside of the U.S., should purchase Atlas International, which provides coverage outside of the United States. Non-U.S. citizens traveling to the United States should purchase Atlas America. For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.

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What Is Covered under the Atlas Travel Insurance Plan?
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.

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How Do I Extend or Renew My Atlas Travel Insurance Coverage?

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

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How Do I Cancel My Atlas Travel Insurance Coverage?

If for any reason you wish to cancel your Atlas Travel insurance policy, you must submit your cancellation request in writing to HCCMIS in order to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  • a $25 cancellation fee will apply; and
  • only the unused portion of the plan cost will be refunded; and
  • only members who have no claims are eligible for premium refund.

To contact HCCMIS regarding cancelling your Atlas Travel policy, you may choose one of the following methods:

  • Email us at service@hccmis.com
  • Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)

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Atlas Group®

Is My Group Eligible for an Atlas Group Travel Plan?
If your group members are at least 14 days old and traveling internationally for at least 5 days, they are eligible for coverage. If they are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. Atlas Group International insurance offers coverage for applicants over 80 with a $10,000 policy maximum. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same Deductible must be purchased for every member of your group.

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Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?

Yes. Atlas International and Atlas America will provide foreign visitors with limited Home Country Coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Atlas Group Travel will pay Eligible Medical Expenses that are incurred in the Member's Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered under the Atlas Group Travel plan, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member's Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

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Which Atlas Group Travel Insurance Plan Should I Choose, Atlas America or Atlas International?
Groups of 5 or more U.S. citizens, as well as all non-U.S. citizens traveling outside of the U.S., should purchase Atlas Group International, which provides coverage outside of the United States. Groups of 5 or more Non-U.S. citizens traveling to the United States should purchase Atlas Group America. For the purpose of this insurance, the United States also includes Puerto Rico and the U.S. Virgin Islands.

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What Medical Expenses are Covered Under an Atlas Group Travel Plan?
To see an overview of the medical expenses covered under an Atlas Group Travel plan, please take a look at our Atlas Group Travel Insurance Coverage page.

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StudentSecure®

Am I Eligible for the StudentSecure® International Student Health Insurance Plan?

In order to be eligible for either of our StudentSecure® international student health plans, you must meet the following requirements:

  1. Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a student under age 19 enrolled in a secondary school; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the U.S. holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
  2. Must be residing outside Home Country for the purpose of pursuing international educational activities.
  3. Must not have obtained residency status in the Host Country.
  4. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the Host Country must be outside the U.S., including U.S. territories.

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When Does Coverage Become Effective Once I Get a StudentSecure® Plan?

Coverage becomes effective on the latest of:

  1. The moment we receive the application and correct premium (if application and payment is made online or by fax); or
  2. 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or
  3. 12:01am US Eastern Time on the date you meet eligibility requirements.

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When Does Coverage Terminate with a StudentSecure® Plan?

Coverage terminates on the earliest of:

  1. 11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
  2. 11:59pm US Eastern Time on the last date requested on your application; or
  3. 12:01am US Eastern Time on the date you no longer meet eligibility requirements; or
  4. The moment of return to your Home Country (except as allowed by the provisions of this coverage).

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Which Plan Should I Purchase, StudentSecure® Elite, StudentSecure® Select, StudentSecure® Budget or StudentSecure® Smart?
Which plan you choose depends on several factors. We suggest you review the StudentSecure® Schedule of Benefits Chart to see which of our international student travel health insurance plan meets your needs.

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Does the StudentSecure® Plan Provide Any Home Country Coverage?

Yes, the StudentSecure® policy offers two types of home country coverage. Both types are restricted to medical expenses only and are:

Benefit Period – In the event that a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because of the return to your Home Country, StudentSecure® will pay Eligible Medical Expenses only that are incurred in the Member's Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the condition for which the Member was hospitalized as Inpatient on the Termination Date of the Certificate.

Incidental Home Country Coverage – The Member is covered for Medical expenses only during incidental visits to his or her Home Country of up to 15 days cumulative per Certificate Period. The member must return abroad, either to the Host Country or another country en route to the Host Country, following any incidental visit days in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while abroad.

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What International Medical Benefits are Covered in a StudentSecure® Insurance Plan?
To see all the benefits provided with a StudentSecure® international student health insurance plan, please visit our StudentSecure® Insurance Coverage page.

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Are Any Pre-Existing Conditions Covered By a StudentSecure® Insurance Plan?
Charges resulting directly or indirectly from any Pre-existing Condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage. StudentSecure Smart provides coverage for acute onset pre-existing conditions only.

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Is There Any Maternity or Newborn Care Coverage with a StudentSecure® Insurance Plan?
When conception occurs after the Effective Date of Coverage, StudentSecure® provides Maternity benefits, including but not limited to pre-natal, delivery, and post-natal care for a covered pregnancy. Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the Schedule of Benefits and Limits.

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I am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure® Plan?
Organized sports activities are part of the benefits you receive with a StudentSecure plan. Medical expenses for Injuries or Illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure Budget plan up to a maximum of $3,000 per Injury or Illness and up to a maximum of $5,000 per Injury or Illness for StudentSecure Elite or StudentSecure Select. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling. No sports coverage is provided under StudentSecure Smart.

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Is There Mental Health Coverage with a StudentSecure® Plan?
StudentSecure® provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000 Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.

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Am I Covered with a StudentSecure® Plan if I Have an Accident that Involves Dental Injuries?
The following Emergency Dental expenses are covered with the StudentSecure international student medical insurance plan: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in a covered Accident, subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period. No dental treatment is provided under StudentSecure Smart.

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Does StudentSecure® Provide Coverage for an Emergency Medical Evacuation?
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, StudentSecure® will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

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Does StudentSecure® Have Emergency Reunion Coverage?

StudentSecure® will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:

  1. Following a covered Emergency Medical Evacuation; or
  2. You are hospitalized due to a life-threatening Injury or Illness for more than five days.

HCCMIS must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.

You can reach our Customer Service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted). Representatives will also answer emails sent to service@hccmis.com or via Live Chat.

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I'm Worried About Acts of Terrorism in My Host Country; is There Coverage for That?

StudentSecure® Elite, StudentSecure Select, and StudentSecure Budget provide Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:

  1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
  2. You have no direct or indirect involvement in the Act of Terrorism.
  3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
  4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

* StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

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Is There Any Accidental Death Coverage Included with a StudentSecure Plan?

In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:

  • Accidental Death - Principal Sum to the Beneficiary designated on your Application
  • Loss of Sight in both eyes or loss of two or more Limbs - Principal Sum to you
  • Loss of Sight in one eye or loss of one Limb - One-half of the Principal Sum to you

Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.

* Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death benefit.

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Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?
In the event of a covered Injury or Illness resulting in your death, StudentSecure® will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

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Will StudentSecure® Provide Coverage During Short Visits to My Home Country?
StudentSecure® offers limited Home Country coverage. Medical expenses only can be covered during incidental visits of up to 15 days cumulative per Certificate Period. The member must return abroad, either to the Host Country or another country en route to the Host Country, following any incidental visit days in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.

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What if I Have to Go to the Hospital On the Day My StudentSecure® Plan Terminates?
If you are hospitalized as inpatient on your coverage termination date, StudentSecure® will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.

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How Do I Extend or Renew My StudentSecure® Insurance Coverage?
Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date. Extensions and renewals must be made online with payment by credit card. You can access the StudentSecure® Renewal Indication Form in Student Zone then return via email at orders@hccmis.com.

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How Do I Cancel My StudentSecure® Insurance Coverage?

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  1. A $25 cancellation fee will apply
  2. Only premium for unused whole-months of the plan will be refunded
  3. Only members who have no claims are eligible for premium refund
  4. After 60 days, no refunds are granted

To contact HCCMIS regarding cancelling your StudentSecure® policy, you may choose one of the following methods:

  • Email us at orders@hccmis.com
  • Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)

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HCC Life Short Term Medical

Who is the Insurer of the HCC Life Short Term Medical Plan?
For more than 30 years, HCC Life Insurance Company has been leading the way in medical stop loss insurance for employers who self-fund their employee benefit plans. HCC Life's products, including medical stop loss, HMO reinsurance, medical excess, group term life insurance and short term medical insurance are backed by the financial stability of its parent company, HCC Insurance Holdings, Inc. (NYSE: HCC). HCC Life holds a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M Best Company.

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What Is Short-term Health Insurance?
Short term health insurance provides domestic coverage to U.S. citizens and to individuals legally residing in the United States. Our short-term health insurance products offer benefit periods ranging from 1 to 11 months, depending on the state in which the coverage is purchased.

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Who Needs Short-term Health Insurance Coverage?
Short-term health insurance is an affordable insurance solution for those who are looking to fill a gap in their coverage, whether it's from being in-between jobs, waiting for benefits at a new job, a new college graduate, waiting for Medicare benefits, losing dependent status from a parents' plan, or other scenarios.

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How Does Temporary Health Insurance Work?
Temporary health insurance policy benefits are subject to the deductible and coinsurance with the exception of visits to an urgent care center. The deductible is waived when you receive care at an urgent care center, and instead you pay a $50 copay, after which coinsurance applies. An urgent care center means a facility separate from a hospital emergency department where patients can be immediately treated for injury or sickness on a walk-in basis without an appointment.

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What are Some of the Advantages to Short-term Medical Insurance Coverage?
With HCC Life STM and STM Complete you're in control. You get to choose your deductible, coinsurance, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties. HCC Life STM and STM Complete give you peace-of-mind by relieving some of your financial worry in the event of an unexpected medical condition.

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How Soon Can I Get a Temporary Medical Insurance Plan?
For enrollment forms received online, by e-mail, or by fax, your temporary medical insurance plan coverage becomes effective at 12:01am* on the date following the date we receive your completed enrollment form provided payment has been received. For enrollment forms submitted by mail, your effective date is 12:01am* on the postmark date of your completed enrollment form or 12:01am* on the requested effective date, whichever is later, provided payment has been received. Your requested effective date must be within 45 days from the date you signed the enrollment form.
*Times expressed are based on the geographical area where the certificate holder resides.

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Can I Renew or Extend my Short-term Plan if I Need More Coverage?
You cannot extend or renew a short-term medical plan. However, if you still need coverage at the end of your policy term, you may submit a new application for a separate and new policy. It is important to note that some states do not allow you to reapply.

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How Long Can I Be Covered Under Your Short-term Medical Coverage?
When filling out your application, you can select up to 6 months or 11 months of coverage, depending on the state in which the policy is purchased.

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What if I Only Need Temporary Medical Coverage for 2 Weeks?
The minimum coverage period available for purchase under HCC Life STM and STM Complete is 30 days.

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Are There Co-payments with an HCC Life Short-term Medical Plan?
Yes, there is a "co-pay" for the use of an Urgent Care Center (not subject to deductible).

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Are Prescription Medications and Doctor Visits Covered Under HCC Life's Short-term Plan?
Temporary health coverage covers eligible inpatient and outpatient charges, including inpatient prescription drugs. However, it does not cover outpatient prescription medications.

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Do I Need to Use Only the Doctors in Your Provider Network with Your STM Plan?
With an HCC Life STM plan you don't have to hassle with networks and referrals. You are free to choose any licensed physician or hospital to visit. However, you might be able to save on case-by-case out-of-pocket expenses if your medical care provider is part of our nationwide network provider, Coventry. Find a Doctor in the U.S.

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Will a Temporary Health Plan Cover Regular Female Preventive Care Visits?
Preventive care is included within short term health insurance coverage when it is a state mandated benefit.

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Is There a Monthly Payment Option for the HCC Life Short-term Medical Insurance Policy?
Yes, we do have monthly billing available.

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If I Apply for Short-term Insurance, Can I Cancel It if I Change My Mind?

You can cancel any time during the application process. If within 10 days of purchase you decide you do not wish to keep your STM policy, you may submit to us in writing your request for cancellation. We will issue you a full refund and your policy will be cancelled as of the Effective Date of coverage, no questions asked! After 10 days, refunds are only granted for the unused portion of the premium and only with proof of other insurance (or enrollment in military).

To contact us regarding cancelling your policy, you may choose one of the following methods:

  • Email us at service@hccmis.com
  • Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)

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Will a Temporary Health Insurance Policy Cover a Medical Condition I Already Have?
Our temporary health insurance policy is designed for short-term gap coverage and unless state mandated will not cover any medical conditions you have currently or have had in the past.

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Is Mental Health Care Covered with a Temporary Medical Plan?
Outpatient mental health coverage is included for our short-term health insurance (coverage may vary by state). If inpatient care is required after the coverage begins, then it is limited to 30 days of admission.

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Is Chiropractic Care Covered with a Temporary Health Plan?
With HCC Life's Short Term Medical policy, pre-existing conditions and maintenance treatments are not covered. Should you need treatment for an occurrence originating after the start of the policy, then it would be considered for coverage.

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What if I Get a Job with Health Insurance Coverage Before My Short-term Plan is Supposed to End?
When you have obtained a group insurance plan, you just need to contact our Customer Service team to cancel your policy. You can call them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted). Representatives will also answer emails sent to service@hccmis.com or via Live Chat.

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Am I Able to Get Short-term Coverage for Just My Child?
Yes, you can purchase temporary health insurance coverage for a minor only.

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Are Dental and Vision Benefits Included Under Short-term Medical Coverage?
Dental and vision benefits are not covered under our short term medical coverage, unless state mandated. However, emergency dental coverage is included in the standard policy (coverage varies by state).

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Am I Eligible for HCC Life's U.S. Short Term Medical Insurance Policy?

You are eligible to enroll in HCC Life STM if you are age 2 through 64 and you meet the following requirements:

  • you are not pregnant or, if requesting dependent coverage, not an expectant father or planning on adopting;
  • you will not be covered under other medical insurance at time of requested effective date;
  • you are not a member of the armed forces of any country, state or international organization, other than on reserve duty for 30 days or less; and
  • you are able to answer "no" to the medical questions on the application.

Please note: in order to receive coverage, applicant may be required to enroll in the Consumer Benefits of America Association.

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Am I Able to Add Coverage for My Spouse and Children On a Short Term Medical Insurance Plan?
Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. Unmarried children under age 25 may also be included as covered dependents if enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state. In order to receive coverage, applicant may be required to enroll in the Consumer Benefits of America.

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When Does Coverage Become Effective and When Does it End with an HCC Life STM policy?

For enrollment forms received online, by e-mail, or by fax, your coverage becomes effective at 12:01am* on the date following the date we receive your completed enrollment form provided payment has been received. For enrollment forms submitted by mail, your effective date is 12:01am* on the postmark date of your completed enrollment form or 12:01am* on the requested effective date, whichever is later, provided payment has been received. Your requested effective date must be within 45 days from the date you signed the enrollment form.

*Times expressed are based on the geographical area where the certificate holder resides.

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Can I Extend My Short Term Medical Insurance Coverage?
HCC Life STM is not renewable, but if your temporary insurance need continues beyond the coverage period purchased, you may apply for a new policy as long as you have not had more than two HCC Life STM policies during the past 12 months. Additional purchase may not be available in some states.

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Is There a Waiting Period When You Purchase Short Term Medical Insurance Coverage?
When coverage is purchased within 3 days of the effective date, you will only be entitled to receive benefits for sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 72 hours following the effective date. This waiting period does not affect benefits for injuries.

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What Is Covered with the HCC Life Short-term Medical Insurance Policy?

After you satisfy your deductible, HCC Life STM and STM Complete will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum that you choose. Benefits are based on usual and customary charges of the geographical area in which charges are incurred. Below is a general overview of medical coverage provided under HCC Life STM and STM Complete: (All benefits are subject to policy provisions, limitations, and exclusions, which vary by state.)
Medical:

  • Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
  • Charges incurred at an urgent care center after $50 copay
  • Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
  • Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
  • Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
  • Charges for oxygen and other gases and anesthetics and their administration
  • Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
  • Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
  • Expenses related to complications of pregnancy
  • Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.