Online Health and Life Insurance Sales and Service
Temporary health coverage for up to 12 months
HCC LIFE SHORT TERM MEDICAL (STM) provides affordable temporary health insurance to protect you and your family. You should consider purchasing HCC Life STM if you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected sickness or injury.
With HCC Life Short Term Medical you are in control. You get to choose your deductible, coinsurance, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out of network penalties. HCC Life Short Term Medical gives you peace of mind.
Short Term Health Insurance with $2,000,000 Lifetime Maximum Per Certificate
Important Protection: Just because you don’t have health insurance right now doesn’t mean you won’t have health problems.
HCC Life Short Term Medical (STM) provides affordable temporary health insurance to protect you and your family.
You should consider purchasing HCC Life STM if you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected sickness or injury.
You and your spouse under age 65 (and not eligible for Medicare) and you and your spouse’s unmarried dependent children under age 19 (or under age 25 if a full-time student) who have a social security number and can answer “No” to the seven health questions on the application. Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18. The application must be completed and signed by the parent or legal guardian.
- $2,000,000 Lifetime Maximum Per Certificate.
- Freedom to choose any doctor or hospital.
- Choice of $250, $500, $1,000, and $2,500 deductibles.
- Select to pay monthly or single payment.
- Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft.
- Child only coverage.
Do I need precertification?
Pre-admission certification prior to eligible inpatient hospitalization or surgery by the covered individual within
48 hours is required. This is not a guarantee of benefits. Failure to precertify will result in a benefit reduction of 50%.
Next Day Coverage Available!
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on expiration date listed in your coverage document.