Maryland Short Term Medical Insurance Plans

Short Term Medical Insurance


Short term health insurance for temporary gaps in coverage.



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Our provider network includes over 44,000 health care professionals and facilities in Maryland alone! Find a doctor in the network here.

Get more details regarding all the benefits available in Maryland with our short term medical insurance plan by reviewing the full policy documents 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
  • Hospital Inpatient Prescription Drug Coverage

Maryland-Specific STM Benefits

  • Periodic Breast Cancer Screening
  • Child wellness services for covered dependent children
  • Diabetes equipment, supplies, self-management training and education Coverage for Orthopedic braces
  • Mental Health Coverage
  • Bone mass measurement scans
  • Periodic Chlamydia and HPV screening tests
  • Prostate Cancer testing for men age 40-75 or those defined as high risk
  • Colorectal cancer screening
  • Occupational, physical, and speech therapy for children under 19 with autism spectrum disorders or cerebral palsy
  • Hearing aids for covered dependent children
  • Hair prosthesis for cancer patients
  • Medically necessary surgical treatment of morbid obesity
  • Residential Crisis Services
  • Patient costs for FDA approved clinical trial participation
  • Hospice Care including inpatient, respite care, and bereavement counseling

For individual health insurance purchasing guides and suggestions, see the Maryland Department of Insurance Resource:

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.

Get Short Term Insurance