Short Term Health Insurance FAQs

Please note, our Short Term Medical insurance is intended for temporary gaps in health insurance. It is not compliant with the federal Affordable Care Act and does not cover expenses related to pre-existing conditions.

How does short-term health insurance work?
A short-term health insurance plan is designed to cover you for a shorter period of time than standard insurance. On average, coverage for these policies ranges from six to 12 months. However, some plans can be as short as one month.
Why would I need short-term health insurance?
Many people find that a short-term policy is an ideal solution for some of life’s unexpected or special circumstances, such as layoffs, college graduation or a transition between jobs. Also, younger adults who are no longer on their parents’ insurance may need a short-term solution until they can obtain full-time coverage. If you find yourself in need of insurance for a limited period, you may want to consider short-term health insurance to make sure you are covered in the event of unexpected illnesses and accidents.
What happens if I still need insurance after my short-term policy expires?
When it’s time for your coverage to expire, you can typically re-apply for another short-term plan. However, it’s important to check with your carrier to review the coverage on the next plan; a new plan does not automatically resume continuation of your first plan. Also, a company may only allow you to re-apply once so coverage does not exceed 12 months.
What does short-term health insurance cover?
Short-term health insurance, unlike most long-term health insurance plans, does not provide comprehensive coverage for medical services like physical exams, and dental and vision care. Rather, these plans provide more limited benefits designed to protect you and your family against unforeseen illnesses or accidents.
Is short-term health insurance still a good option if I have a pre-existing condition?
As with some other insurance plans, short-term health insurance plans typically do not cover pre-existing medical conditions. Although the definition of a pre-existing condition varies from state to state, pre-existing medical conditions usually are conditions that have been diagnosed or treated within the previous 3 to 5 years. If you do have an existing medical condition, make sure you determine first if you can extend your current insurance under your current employer’s plan. Under COBRA, employer-sponsored major medical coverage can be continued for 18 months and occasionally for a longer period but you must pay the full premium. This is an option you should seriously consider if you have an existing medical condition.
Are pre-existing conditions covered with short term medical insurance?
Pre-existing conditions are typically excluded with short term medical insurance. The look back period, the period in which the insurance company can review your medical history, varies by state.
What is the application process for short-term health insurance?
Since coverage is limited, the application process for short-term health insurance typically is straightforward and simpler than that of more comprehensive coverage. As a result, the approval process is usually faster. Online, in most cases, you will be notified if you qualify for short-term coverage shortly after you complete your application.
Now that I’m approved, how soon does my coverage start?
Your short-term health insurance plan coverage will start on the effective date stated in your policy. For example, if you want coverage through HCC Life Insurance Company, make sure you make your first premium payment with a valid credit card during your application process to get coverage as soon as possible. Please note you also can use other forms of payment for your premiums. If you wish to obtain short-term health insurance coverage without a credit card payment, your coverage will usually begin when the carrier receives your premium payment. Of course, if you want your coverage to start later, you can select a date up to 30 days in the future.
What should I do if I only need coverage for less than 30 days?
Short-term health insurance plans may require a minimum coverage period of 30 days. If you sign up for a monthly payment plan, make sure you cancel your insurance when you are sure you no longer require it. Your insurance provider also may allow you to make a single payment for a one-month plan.
What should I do if I happen to get a longer-term insurance policy later?
Make sure you have received your health insurance policy from your carrier and reviewed its details under the Free Look Period. If satisfied with your benefits and premium, contact the provider of your short-term health insurance plan to cancel the short-term policy.
When my short-term policy expires, can I renew or extend it to continue coverage?
No, you cannot renew a short-term health insurance plan. However, you may be able to apply for a new policy when it’s time for your current policy to expire. Check with your carrier before your policy expires to make sure this is a viable option as some states do not allow you to reapply.
Am I able to add coverage for my spouse and children on a short-term medical insurance plan?
Under HCC Life’s Short-term Plan, your spouse under age 65 and dependents under age 19 will be eligible for coverage, as long as they meet the same underwriting requirements. You also can get coverage for unmarried children under the age 25 if they are enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state.
Can I insure my child only?
Yes, although a health insurance company may require a separate policy for each child. If you want coverage for more than one child, you must apply for coverage for each child separately.
If I need to see a doctor during my coverage period, am I required to make an appointment with doctors in the health insurance provider’s network?
With HCC Life Insurance Company’s STM Complete plan, you can select any licensed physician or hospital for your appointment or visit. However, you may be able to save on your out-of-pocket expenses if you choose a medical care provider that is included in HCC Life’s nationwide network provider.
Is prescription medication covered under short-term plans?
Coverage plans vary by carrier. Under HCC Life Insurance Company’s STM Complete plan, you are covered for inpatient charges for prescription drugs. However, it does not cover outpatient prescription medications.
Can I get coverage for female preventive care visits under a short-term plan?
Check your benefits carefully, a carrier may not be required to include this benefit in your state.
How do I know if I’m eligible for HCC Life Insurance Company's Short-term Medical Insurance Policy?

STM Complete’s eligibility requirements state that you must be between the ages of 2 through 64 and meet the following requirements:

You will not be covered by another medical insurance plan at the time of your requested effective date.

You are not pregnant.

If requesting dependent coverage, you are not an expectant father or planning to adopt.

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.

You are able to answer “no” to the medical questions on the application.

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