HCC Life STM Insurance - Temporary Medical Insurance
HCC Life STM (Short Term Medical) is appropriate for anyone who is legally present in the U.S. (U.S. citizen or non-U.S. citizen, green card not required) and who needs a short term health insurance. Temporary health insurance is suitable for those between jobs, recent graduates, who are waiting for Medicare eligibility, who are waiting for their employer group health insurance enrollment to begin and a wide variety of other situations.
HCC Life STM offers a policy maximum of either $1 million or $2 million. You can choose the deductible ranging from $250 to $7,500. And depending upon the state, you can get the insurance for either up to 6 months or up to 11 months. You have the flexibility of making monthly payments or for the exact duration you desire.
Just like any temporary medical insurance, HCC Life STM does not cover any pre-existing conditions or preventive check ups. This insurance should be used as just in case you get injured or get a new sickness all of sudden. Of course, it does not cover any expenses related to maternity or delivery.
HCC Life STM is underwritten by HCC Life Insurance Company, rated A+ "Superior" by A.M. Best.
You can make an instant purchase online on this web site. The application will ask you few medical questions and as long as you are eligible to purchase, the purchase is either instant or has very quick underwriting process.
HCC Life STM participates in Coventry/First Health PPO network which has a large number of providers all across the country. Of course, you are free to visit any doctor or hospital of your choice.
HCC Life STM: Available in CA, CO, IA, NH, NM, OH, RI, VA, WA
HCC STM Complete: Available in AK, AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MS, MO, MT, NC, NE, NV, OK, OR, PA, SC, SD, TN, TX, UT, WI, WV, WY