Washington 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.


Washington 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 104,000 health care professionals and facilities in Washington alone! Find a Doctor in the network here.

Get more details regarding all the benefits available in Washington 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

Washington-Specific STM Benefits

  • Diabetes Supplies and Education
  • Periodic Mammogram Exams
  • Prostate Cancer Screening
  • Phenylketonuria Treatment and Formula

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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In the state of Washington, residents may opt for short term health insurance to cover routine doctor’s visits and more. HCC Life’s network partners with more than 104,000 health care professionals and facilities in Washington to provide residents with quality affordable health insurance. With deductible choices and term coverage options, HCC Life provides short term health plans that can bring peace of mind to anyone in the middle a transitional period of life.

For individual health insurance purchasing guides and suggestions, see the Washington Office of the Insurance Commissioner Resource: http://www.insurance.wa.gov/

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