Description / Exclusions / Application
What is the HCC Life Short Term Medical Plan?
The HCC Life Short Term Medical Plan is a temporary health insurance program that understands the needs of recent graduates, the self-employed and many other individuals and families who lack adequate coverage. If you are in transition and without health insurance you need a friend that will respond if you have an injury or illness. With HCC Life STM, you can choose from a range of deductibles, select the exact length of coverage you require, and receive treatment from the doctors and hospitals of your choice. HCC Life STM frees you to pursue your dreams without the worry of facing high out-of-pocket expenses caused by a medical condition. Choose HCC Life STM today and embrace the future with a friend at your side.
HCC Life Short Term Medical Plan is ideal for:
- Individuals transitioning between jobs
- College students or recent graduates
- Individuals looking for an affordable substitute for COBRA
- New employees waiting for their coverage to begin
- Individuals not yet eligible for Medicare coverage
Purchasing an HCC Life Short Term Medical Plan
If you enroll online, your initial payment must be made by credit card (Visa, American Express, Discover or MasterCard). The plan may be prepaid, or you may choose to pay monthly using a credit card for a small fee.
How HCC Life Short Term Medical Plan Coverage Works
All benefits are subject to the deductible and coinsurance, except urgent care center expenses are subject to co-payment and coinsurance. Limits apply to all benefits. Please see the certificate for a complete listing of benefits, limits, and exclusions.
You pay the deductible |
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| We pay 100% of remaining eligible expenses up to the coverage period maximum |
Choice of Plan Options |
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Length of Coverage |
6 months Purchase in full or make monthly payments |
Deductible Amount you pay toward covered expenses before the plan pays benefits |
$250, $500, $1,000, $2,500, $5,000, or $7,500 A maximum of 3 deductibles is required per family |
Coinsurance Percentage of eligible expenses the plan pays after the deductible |
80% or 50% |
Coverage Period Maximum The maximum amount the plan pays |
$1 million or $2 million |
The HCC Life Short Term Medical Plan covers the following expenses:
After the deductible amount you selected has been met, the plan will pay eligible expenses according to the coinsurance selected up to the maximum of your certificate, per covered person, per coverage period. Benefits are based on usual and customary charges of the geographical area in which the charges are incurred.
- Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
- Charges incurred at an urgent care center (except for co-payment)
- Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
- Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
- Expenses related to complications of pregnancy
- Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness
