Early Retirement Insurance

Short Term Medical Insurance


Short term health insurance for temporary gaps in coverage.



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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.

You've just retired early and you are ready to set out on a new adventure. Perhaps you are planning on traveling around the country, starting a new hobby, spending more time with your family, or maybe you are finally realizing your dream and starting your own business. You may find yourself temporarily without insurance for a short amount of time, even if you are simply planning on relaxing in your retirement. Regardless of your plans, you should always have health insurance. Early retirement insurance like HCC Life Short Term Medical (HCC Life STM® and STM Complete) keep you covered while you wait for Medicare benefits to begin. Early Retirement insurance from HCCMIS is an insurance solution that will keep you covered in your transitory, uninsured time.

Early Retirement Insurance Benefits

HCC Life STM and STM Complete are early retirement insurance for individuals looking to get the most out of life. Just because you are in the market for a temporary health insurance policy doesn’t mean you have to sacrifice great coverage. Here are just a few of the benefits that are standard with each short term medical insurance plan: 

  • Inpatient and outpatient charges made by a hospital
  • Charges made for dressings, sutures, casts, and select other supplies prescribed by the attending physician or specialist
  • Charges for oxygen and other gases and anesthetics and their administration
  • Emergency local ambulance transportation
  • Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness

Applying Online

To make things easier for customers, we offer an online application for early retirement insurance. The first step in applying for temporary coverage is to visit HCCMIS.com, select your state, and get your free quote. The online form will walk you through all of the steps. Once you’ve received a quote, you can follow the instructions to complete your application and even print an ID card instantly!

Customer Service from HCCMIS

At HCCMIS®, customer service is extremely important to us, which is why we have dedicated multi-lingual customer service specialists standing by 7 days a week, 24 hours a day, to answer your questions and respond to any of your insurance needs.

You can also manage your personal account on our Client Zone account management tool.

Through the Client Zone:

  • Change personal information
  • Renew coverage and reprint ID cards
  • Obtain details about claim filing
  • Access heath and wellness information

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