Short Term Health Plans

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HCC Life Short Term Medical (STM) allows those age 2 through 64 the flexibility to customize plan options to fit their various needs and budgets. Along with competitive premiums, applications have the choice of plan deductible, coinsurance, maximum coverage amount and length of coverage. Insured’s also have the freedom to choose doctors and hospitals without the worry of facing out of network charges.

• Individuals between jobs
• College students or recent graduates
• Individuals ineligible for coverage on a parents' plan due to age restrictions
• Individuals looking for an affordable substitute for COBRA
• New employees waiting for group coverage to begin
• Recent retirees who are not yet eligible for Medicare (Age 65)

Highlights of the HCC Life Short Term Medical (STM)

~Wide variety of deductible options ($250, $500, $1,000, $2,500, or $7500) - most competitors only go up to $5,000

~Coinsurance is based off of the first $5,000 after the deductible, which helps reduce your out of pocket expenses--Many STM carriers use $10K or even $20K.

~Co-Pay benefit of $50 for urgent care facilities (deductible waived)

~Completely available in both English and Spanish

~Freedom to choose any doctor or facility - No out of network penalties

~Opportunities for re-application - In most states, you can seek coverage under an STM plan as long as you have not had two separate certificates during the prior 12 month rolling period.

Short Term Medical Coverage

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