Iowa Short Term Medical Insurance Plans

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.


Iowa state short term medical insurance

Short Term Medical Insurance


Short term health insurance for temporary gaps in coverage.



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Our international provider network includes over 37,000 health care professionals and facilities in Iowa alone! Find a Doctor in the network here.

Get more details regarding all the benefits available in Iowa with our short term medical insurance plan by reviewing the full policy document here.

General STM Benefits

  • Includes Coverage in Canada
  • Deductible Choices: $500, $1,000, $2,500, $5,000 and $7,500
  • No Referrals Needed for Specialists Except Physical Therapy
  • No Primary Care Physician Required
  • Out-of-Network Coverage
  • Choice of 80/20% or 50/50% Coinsurance
  • Choice of Coverage Maximum up to $2,000,000 Lifetime
  • Hospital Inpatient Prescription Drug Coverage
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage

Iowa-Specific STM Benefits

  • Mental Health Coverage

Sometimes in life challenges arise or situations occur and there is a need for temporary medical coverage. Individuals between jobs, retirees awaiting Medicare, new employees awaiting benefits, new U.S. immigrants and recent college graduates may all find the need for short term medical insurance from HCC Life Insurance Company. Iowa residents considering temporary health insurance plans can choose from a variety of deductible choices with HCC Life. Affordable health insurance is available. In addition to out-of-network coverage, short term medical coverage from HCC Life provides for hospitalization, outpatient surgery, emergency room visits, laboratory tests, X-rays and hospital inpatient prescription drug coverage.

There are transitional periods in life that can leave you without medical coverage for a brief time. HCC Medical Insurance Services understands your need for peace of mind about health insurance coverage during uncertain times.

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