Tennessee 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.


Tennessee 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 109,000 health care professionals and facilities in Tennessee alone! Find a doctor in the network here.

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

General STM Benefits

  • 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
  • Coverage Maximum up to $2,000,000 Lifetime
  • Hospital Inpatient Prescription Drug Coverage
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage

Tennessee Specific STM Benefits

  • Colorectal cancer screening
  • Infant hearing screening tests
  • Hearing Aids for Children
  • Hearing and Speech disorder coverage
  • Prostate Cancer early detection
  • Diabetic equipment, supplies, and education
  • Periodic Mammogram Exams Starting at Age 35
  • Mental Health Coverage
  • Chlamydia Screening for Women under age 29
  • Dental Anesthesia
  • Treatment for TMJ
  • Treatment for Autism Spectrum

Limits and Considerations of STM Coverage

  • Coverage for 1 to 6 months
  • Pre-existing conditions excluded
  • 72-hour waiting period for illness when coverage is purchased within three days of the effective date. Waiting period does not apply to injuries.

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Short term health insurance offered by HCC Life Insurance provides residents throughout the United States and Canada with many covered services. In Tennessee, HCC Life’s network connects with more than 109,000 health care professionals and facilities to provide you with quality care and affordable health insurance. Various deductible choices are available and no primary care physician is required. Tennessee residents with HCC Life short term health plans receive coverage for hospital stays, inpatient hospital prescriptions, labs and X-rays, as well as emergency room services.

Short-term medical insurance is a general term used by most consumers. In Tennessee, short term medical insurance is officially called Limited Benefit Short Term Medical Insurance. Other benefits and exclusions are contained in the Policy. Please read it carefully. For individual health insurance purchasing guides and suggestions, see the Tennessee Department of Commerce and Insurance Resource: http://health.state.tn.us/consumers.htm#find.

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