New Mexico 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 32,000 health care professionals and facilities in New Mexico alone! Find a doctor in the network here.

Get more details regarding all the benefits available in New Mexico 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

New Mexico-Specific STM Benefits

  • Colorectal Screening
  • Mammogram, Cytological and Cervical Cancer Screenings for Women over Age 30
  • Periodic Mammogram Exams Starting at Age 35
  • Mental Health Coverage
  • Hearing Aids up to Age 18
  • Childhood Immunizations
  • Male Newborn Circumcision
  • TMJ Treatment
  • HPV Vaccination for Females Ages 9-14 Years
  • Diabetes Supplies
  • Dental Anesthesia
  • Early Intervention Services up to Age 3 for the “Family, Infant, and Toddler Program”
  • Treatment of Inborn Metabolism Errors

HCC Life Insurance offers residents of New Mexico a range of short term medical insurance benefits plus options for deductibles and term coverage. Routine doctor’s visits are covered with temporary health insurance as well as hospitalizations, emergency room care, outpatient surgeries, X-rays and laboratory tests. Short term health plans for New Mexico also includes preventative care for some conditions.

For individual health insurance purchasing guides and suggestions, see the New Mexico Public Regulation Commission Insurance Division 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.

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