Short-Term Medical Insurance

from HCC Life

HCC Life Short Term Medical is temporary health insurance for individuals under age 65 looking for coverage for themselves or their families during life’s many transitions. With an HCC Life Short Term Medical policy, you choose how the coverage fits your needs or the needs of your family You select the deductible, coinsurance, and length of coverage so you know that you have prepared if an expected medical circumstance arises.

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Advantages of HCC Life Short Term Medical

Fast Enrollment Process

HCC Life Short Term Medical does not require medical underwriting to be accepted for coverage. Immediate online confirmation and fulfillment are available, including medical ID cards.

No Application Fee

Unlike other insurance companies that offer short-term medical plans, HCC Life Short Term Medical does not have an application fee. Apply now for free for a HCC Life Short Term Medical policy today!

No Out-of-Network Penalties

HCC Life Short Term Medical customers have the freedom to choose doctors and hospitals without facing out-of-network penalties.

Low Copay at Urgent Care Centers

If treatment is received at an urgent care center, then the deductible is waived and substituted with a $50 co-pay option.

Discount Card for Prescription Drugs

Includes a prescription drug discount card through the Consumer Benefits of America Association

Consumer Benefits of America for discounted rates on prescription drugs and other services: only available in certain states

10 Day Money Back Guarantee

In addition to having no applications fee, we want to guarantee your satisfaction with our product. If you are unsatisfied, send a written request to cancel your policy within 10 days of purchase. If you have not already used the insurance benefits, you will receive a full premium refund. Premiums are non-refundable after 10 days.

HCC Life Short Term Medical is the ideal solution for individuals needing temporary medical coverage while going through some of life’s many transitions.

Individuals between jobs

When you move on from a job, you leave behind your medical benefits. Many people find continuing their employer-sponsored plan through COBRA too expensive, while they look for alternate employment. HCC Life Short Term Medical is an affordable COBRA alternative for medical coverage.

New employees waiting on benefits to begin

If you have been recently hired, you may have a gap while you wait for your employer-sponsored benefits to begin. You can purchase HCC Life Short Term Medical for as little as one month to prevent youfrom having a coverage gap.

Retired individuals (under 65) waiting on Medicare to begin

If you are an individual who retired before the age of 65, you may be faced with a gap in coverage before their Medicare begins. HCC Life Short Term Medical offers coverage until your Medicare coverage starts.

Recent U.S. immigrants

Individuals who have recently become U.S. citizens may have a waiting period before being able to receive Medicare or other government-sponsored health plans. HCC Life Short Term Medical can be an excellent option for U.S. coverage in your state of residence.

College graduates

You may be one of many college students faced with being uninsured after graduation. If you were insured under a family plan with your parents or under a university plan, you are no longer eligible for those plans and may have a gap in coverage until benefits begin with your first professional job. Apply for a short-term medical insurance plan today!

Young adults no longer covered under parents’ plan

The federal health care reform law (PPACA) allows dependent children to be covered as a dependent up to the age of 26. Some states allow you to remain longer. However, at one point or another, most children must be removed from their parents’ plans and onto their own. Apply for a short-term medical insurance plan today!

U.S. citizens returning from living abroad

HCC Life STM offers protection from medical expenses for your return to the U.S. from overseas and is available in most states.

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