HCC Life Short Term Medical Insurance: Temporary Health Insurance for Individuals Living in the US
Oftentimes the more affordable, temporary health insurance coverage provided with a short term medical insurance plan, when compared to staying on your parents insurance after graduation or choosing COBRA, is a cheaper alternative in some cases.
HCC Life STM, a short-term medical insurance policy underwritten by HCC Life Insurance Company (HCC Life), offers temporary health insurance coverage to meet the needs of individuals under age 65 years of age that are looking for more affordable health coverage for a brief period of time (less than 12 months). Look to HCC Life STM to help keep more in your pocket while you transition to a new period in your life, with plans starting at only $28. Have family members transitioning with you? No problem, coverage may be available for your spouse and dependent child(ren) also.
Short Term Medical Insurance for All Career Paths
New College Graduate and Need Short Term Health Coverage?
The average college graduate in the United States is 21-23 years old. Given your age, it is likely that a short-term medical insurance plan would be a cheaper option to staying on your parent's major medical plan and will probably provide the catastrophic health insurance coverage you need. Starting at $28 per month, short-term medical insurance from HCC Life would give you the temporary coverage you need within a price range that would allow your parents to visit you more often.
Temporary Medical Insurance for Those Waiting for Major-Medical Benefits
Starting a new job & waiting for your company's major-medical benefits to begin?
As a new hire, many individuals must wait as long as 90 days before your medical coverage begins. Temporary medical insurance from HCC Life was designed to provide immediate health insurance to fill these types of gaps in coverage. By obtaining an online short-term medical insurance quote, you can apply, buy and print off an ID card in less time that it took to fill out the job application at your new company!
Recently Leave a Job and Looking for a Temporary and Cheaper Alternative to COBRA?
Many folks don't really understand how much health insurance premiums really are until they begin paying for the full cost of insurance once provided by a former employer. It's a large misconception that the portion of the insurance premium expense that came out of their paycheck was the full amount. Many in the United States who have been downsized, or let go from a company have come to understand that COBRA can feel like a snake bite on your wallet. In some cases, an individual might have to pay as much as 102% of the health insurance expense provided by a former company to maintain coverage. Even with various current and future COBRA healthcare subsidies by the government, a short-term health insurance plan like HCC Life STM, may be a significantly more affordable option while you look for new work.
Ready to Be Your Own Boss and Need to Time to Get Up and Running?
Are you ready to let your entrepreneurial spirit free and start your own business? Don't let the fear of having your family go without coverage while you set things in motion stop you from achieving your goals. A temporary health insurance plan is just the thing you need to make sure your family is protected, and it's available at a very affordable price. A family of four or more people and save even more with the HCC Life STM plan, as our short-term medical insurance plan has a three person maximum deductible per family!
Retiring Early but Medicare is Still Less Than a Year Away?
Don't put your plans to retire early on hold just because of Medicare's age of eligibility restrictions. A short term medical insurance plan can provide you with the just-in-case coverage you need until your benefits kick in. In just a few clicks of your mouse, you can have your new policy and your ID card in your hand. So, there's no need to go without coverage or put your plans on hold. Get immediate, temporary health insurance and then get to celebrating!
US Expatriates: Returning Home to the United States?
Some domestic health insurance companies have coverage exclusions for US expatriates returning home with statements like, "Returning US-citizens must wait at least 3 months before they are eligible for coverage." However, a temporary medical insurance quote from HCC Life with immediate online approval and policy fulfillment in most states could provide health coverage before you unpack your first suitcase.
Also, if you are a foreign national holding US immigration documentation, have a green card or another immigration Visa, then temporary medical insurance from HCC Life is a coverage option for short-term health insurance.
Benefits Beyond Short Term Medical Insurance Plan Coverage – Consumer Benefits of America
When you purchase our HCC Life STM plan, you not only get to take advantage of all the various health insurance policy benefits, but you also are automatically enrolled as a member with the Consumer Benefits of America (CBA)1. The CBA is an association developed for specifically for consumers and membership is required in most states to purchase the HCC Life STM plan . With your membership in the CBA, you will be able to enjoy discounts and special perks like:
- A Prescription Drug Discount Card
- Free, Unlimited Telephone Legal Assistance
- Discounts on Delivered Flower Arrangements and Gifts
- One-way and Local Moving Truck Rental Discounts
- Professional Movers Discounts
- Rental Car Discounts
Top Reasons to Buy Our HCC Life Short Term Medical (STM) Insurance Plan
- The cost of an STM plan is usually substantially lower than comprehensive medical plans
- The application for an STM plan is usually much shorter and less complicated
- An STM plan is not medically underwritten to the same degree as a major medical plan
- You can purchase STM coverage for 30 days to 6 or 11 months (depending on the state)
- You can try out our short-term medical insurance plan with our 10 day free-look period
- You can continue to see your doctor, you don't have to use our provider network
- You get a range of deductibles to choose from, so you can decide what's affordable
- You automatically become a member of the Consumer Benefits of America and get access to tons of discounts on prescriptions, legal advice, moving rentals and more!²
- There is a 3 person maximum on deductibles per family, so families of 4 or more can save
* 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 This is not insurance.
² Not available in all states.
