HCC Life STM
Short-term Medical Insurance Coverage
Temporary Health Insurance Solution to Fill Gaps in Insurance Coverage
Affordable Short Term Medical Insurance Coverage up to 6 or 11 Months
HCC Life STM provides affordable temporary health insurance coverage 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 accident or sickness.
With HCC Life STM you're 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 STM gives you peace-of-mind by relieving some of your financial worry in the event of an unexpected medical condition.
HCC Life STM is appropriate for:- Individuals waiting on approval of major medical coverage
- Individuals transitioning between jobs
- College students or recent graduates
- Individuals no longer eligible on parents' plan due to age or status
- Individuals looking for an affordable substitute for COBRA
- New employees waiting for group coverage to begin
- Individuals not yet eligible for Medicare coverage
Planning a trip? Check out our Trip Cancellation and Travel Medical Insurance.
Frequently Asked Questions and Definitions for the HCC Life STM Plan
Frequently Asked Questions
Who is the Insurer of the HCC Life Short Term Medical Plan?
What Is Short-term Health Insurance?
Who Needs Short-term Health Insurance Coverage?
How Does Temporary Health Insurance Work?
What Are Some of the Advantages to a Short-term Medical Insurance Policy?
How Soon Can I Get a Temporary Medical Insurance Plan?
Can I Renew or Extend My Short-term Plan if I Need More Coverage?
How Long Can I Be Covered Under Your Short-term Medical Coverage?
What if I Only Need Coverage for 2 Weeks?
Are There Co-payments with an HCC Life Short-term Medical Plan?
Are Prescription Medications and Doctor Visits Covered Under HCC Life's Short-term Policy?
Do I Need to Use Only the Doctors in Your Provider Network?
Will a Temporary Health Plan Cover Regular Female Preventive Care Visits?
Is There a Monthly Payment Option for the HCC Life Short-term Medical Insurance Policy?
If I Apply for Short-term Insurance, Can I Cancel It if I Change My Mind?
Will a Temporary Health Insurance Policy Cover a Medical Condition I Already Have?
Is Mental Health Care Covered with a Temporary Medical Plan?
Is Chiropractic Care Covered with a Temporary Health Plan?
What if I Get a Job with Health Insurance Coverage Before My Short-term Policy is Supposed to End?
Am I Able to Get Short-term Coverage for Just My Child?
Are Dental and Vision Benefits Included Under Short-term Medical Coverage?
Am I Eligible for HCC Life's US Short Term Medical Insurance Policy?
Am I Able to Add Coverage for My Spouse and Children on a Short-Term Medical Insurance Plan?
When Does Coverage Become Effective and When Does it End with an HCC Life STM Policy?
Can I Extend My Short Term Medical Insurance Coverage?
Is There a Waiting Period When You Purchase Short Term Medical Insurance Coverage?
What Is Covered with the HCC Life Short-term Medical Insurance Policy?
Definitions
Here are just a few key definitions you may want to know when reviewing our short term medical policy, HCC Life STM. Don't see what you are looking for? Then take a look at our site's Definitions section for more terms.
Pre-existing Conditions: Refers to conditions for which you received medical treatment, diagnosis, care, or advice within a specific number of months immediately preceding your effective date. The "pre-ex" period will vary depending on the state in which HCC Life STM is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.
Consumer Benefits of America: In most states, HCC Life STM is available only to members of the Consumer Benefits of America Association (CBA). Membership in the association will entitle you to discounts of up to 40% off regular retail prices on most short-term and long-term prescription drugs. Discounts are available from over 59,000 participating pharmacy providers nationwide or by mail service. If you are not already a member, enrollment in the association is easy. Details about this membership benefit accompany your HCC Life STM insurance documents. CBA membership and the prescription drug discount card may not apply in all states.
HCC Life Short Term Medical Insurance Plan Optional Benefits
| HCC Life Short Term Medical Insurance Policy Options | |
| Length of Coverage | Up to 6 or 11 months¹ Purchase in full or make monthly payments |
| Deductible | $250, $500, $1,000, $2,500, $5,000, or $7,500 A maximum of 3 deductibles per family |
| Coinsurance | 80% or 50% of the next $5,000 of eligible expenses |
| Coverage Period Maximum | $1 million or $2 million |
How Our Short Term Medical Insurance Plan Works
HCC Life STM Plan Exclusions²:
HCC Life STM does not cover: pre-existing conditions including those not inquired about on the enrollment form); preventive or wellness doctor visits; dental or optical treatments; routine physical exams; normal pregnancy or childbirth; well child care; interscholastic and intercollegiate sports injuries; over-the-counter medications and outpatient prescription drugs; expenses incurred outside the United States, its possessions or territories, or Canada.
The following conditions are also excluded: varicose veins, substance abuse and alcoholism, chronic fatigue or pain disorders, and allergies, except for emergency treatment of allergic reactions. Expenses during the first 6 months after the effective date are excluded for (subject to all other coverage provisions, including the pre-existing condition limitation): a. Total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma; b. Tonsillectomy; c. Adenoidectomy; d. Repair of deviated nasal septum or any type of surgery involving the sinus; e. Myringotomy; f. Tympanotomy; g. Herniorraphy; or h. Cholecystectomy.
Consumer Benefits of America Enrollment³
In most states, as part of your HCC Life Short Term Medical insurance coverage, you will be automatically enrolled with Consumer Benefits of America (CBA). The CBA association was created to offer assistance and benefits to the American consumer. Membership provides you with access to:
- Prescription Drug Discount Program
- Legal Assistance Program
- Discounts on Flowers and Gifts
- Moving Truck Rental Discounts
- Professional Movers Discounts
- Rental Car Discounts
RxSavingsPlus Prescription Discount Program:
Membership in the CBA means you will receive additional discounts for new or refill prescription medications at no cost. The average savings is 20%! To save up to 50%, use their mail order program.
The RxSavingsPlusSM prescription discount card is accepted in over 59,000 pharmacies, like CVS, Walgreens, and Rite Aid, across the country. All you have to do is take your prescription to one of the participating pharmacies, show them your prescription discount card and pay the discounted amount.
LEGALCARE America Legal Assistance Program:
The LEGALCARE America Legal Assistance Program is a program offered by the CBA to provide members with access to legal assistance, whether it is for personal or professional reasons. You can get assistance over the phone for things like writing a will, purchasing a large item like a home, having problems with getting a refund or solution from a company, and child support and divorce. The LEGALCARE helpline is free to members.
When you call, you will get to speak to an attorney to get legal advice and information. You may call as often as you need, there is no limit on the number of times you call or the length of your conversation.
If representation is needed, LEGALCARE will also provide you referrals to law firms in your area that specialize in your circumstance. If you choose to use one of the referring law firms, you will receive a complimentary 30 minute consultation and a 25% discount on their standard billing rates.
FTD.com Discount Flowers and Gifts:
FTD.com has teamed up with the CBA to offer its members a 15% discount on their orders for flower arrangements and gifts. You can choose specialty gifts from brands like Build-A-Bear, Mrs. Field's Cookies, Ghirardelli Chocolates, and more.
Budget Truck Rental Discounts:
As part of your membership with the Consumer Benefits of America Association, you will be eligible to receive a 15% discount off of your time and mileage for local and one-way rentals.
North American Van Lines Discounts:
While a member of the CBA, you will receive at least a 50% discount on your rate for interstate moves. You'll also receive a 45% discount on storage. You will be excluded from paying the raised "moving peak season" rates from June to August. Plus, you will receive up to $50,000 in insurance coverage for your personal belongings, free of charge.
Auto Rental Discounts: Your CBA membership gives you access to discounts on automobile rentals from these national agencies:
- Alamo
- Budget
- Dollar
- National
- Thrifty
Have Questions on Consumer Benefits of America? We Have Answers…
How to Apply for the HCC Life Short Term Medical Insurance Plan
Enroll for STM Online Now!
When you enroll online, your initial payment must be made by credit card (Visa, American Express, Discover or MasterCard).
If your enrollment is by mail, you may use a personal check or credit card. Payment options include Single Up-front or Monthly payments. There is a small fee when choosing to pay monthly, and monthly premium payments are payable by credit card only.
* The claims examples provided above are based on actual health insurance claims. Coverage for similar health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable health insurance policy and the facts and circumstances of each claim.
¹ Policies over 6 months not available in all states.
² This is a partial list of exclusions and limitations. Please see the certificate for detailed information about these and other policy exclusions and limitations. Benefits, provisions, limitations and exclusions may vary by state.
³ This is not insurance
