Live Chat Short term temporary medical & health Insurance from HCC Life & HPA
eGlobalHealth Insurers Agency, LLC
Short-term temporary medical / health insurance
for individuals or families living in the United States
International travel medical and health insurance
Short Term Medical Insurance Plans
underwritten by
HCC Life Insurance & Standard Security Life Insurance

417-882-1413
"I'll only be without coverage for a few months, what could happen?"
"I'm strong and healthy. I don't need insurance."
"It'll never happen to me."

These phrases are heard much too often and people are, unfortunately, going without health insurance. But, the unexpected happens every day. Someone falls down the stairs, gets injured in a car accident or develops a sudden illness. In a single moment, your world can change.

These unexpected illnesses or injuries can be startling, so can the doctor bills. That's why it's so important to have reliable, temporary health insurance that will cover the medical expenses when the unexpected occurs... that's why you need Short Term Medical Insurance from HCC Life STM temporary medical plans and HCC Life Insurance Company.   We also provide alternative options from Health Plan Administrators (HPA, Inc.), backed by Standard Security Life Insurance.

Who is Short Term, Temporary Medical Insurance for ?

Short Term Medical Insurance is a temporary health plan designed for people who may be between jobs, layed off, in a job that doesn't offer health insurance benefits, need an alterative to expensive COBRA benefits, for students that are no longer covered under their parents health insurance or for those waiting for employer group health insurance coverage to begin.  HCC Life Insurance STM plans are also used for those immigrants or inbound USA visitors that are in need of inexpensive visitor temporary health insurance.

We offer Short Term, Temporary Medical Insurance in the following 39 States + D.C.

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Delaware (DE), District of Columbia (DC), Florida (FL), Hawaii (HI), Iowa (IA), Illinois (IL), Indiana (IN), Idaho (ID), Kentucky (KY), Louisiana (LA), Maine (ME), Michigan (MI), Mississippi (MS), Missouri (MO), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)


***NO Plans are available in CT, MA, NJ, NY, VT, WA ***

Short-term Temporary Medical Insurance plans below offered exclusively by reputable U.S. insurers that are A rated

HCC LIFE STM

The CLEAR Advantages of the HCC Life STM Insurance temporary medical insurance plans over the competition?


- HCC Life is an A+ rated US insurer (others are A- or less).  Financial strength is KEY !
- Available in 39 States + D.C.
- Available in the following States:
AK, AL, AR, AZ, CA, CO, DC, DE, FL, HI, ID, IL, IN, IA, KY, LA, ME, MI, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WV, WI & WY
- Product & Support Available in both English & Spanish + Bilingual LIve Chat!
- No SSN required; No minimum residency requirements
- $2 Million coverage limits lifetime
- Urgent care visit copays ($50, deductible waived) -- NO ONE else offers this !!
- CoInsurance is based on $5,000 max after deductible (others are $10,000)
- Utilizing Hygeia Network, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Coverage periods from 30 days to 12 months; UNLIMITED re-applications available
- Immediate protection - can start as early as "next day"











Other Alternative STM Plan options from HPA, Inc.

Secure Saver STM

- HPA (Standard Security Life Insurance Co of NY) is an A-  rated US insurer
- Plan available in 32 States + D.C.
- Available in the following States:
AL, AR, AZ,  DC, DE, FL, GA, HI, ID, IN, IA, LA, MD, ME, MI, MN,  MO, MS, NC, NE, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WV, WI & WY
- $2 Million coverage limits lifetime
- Choice of 4 daily maximums in lieu of a yearly deductible
- $50 Copay for a physician office visit charge
- Requires SSN on application
- CoInsurance is based on $10,000 max after deductible
- Utilizing ACS or MultiPlan PPOs, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Coverage periods from 30 days to 12 months (not all States allow the 12 mos option)
- Immediate protection - can start as early as "next day"













Secure STM

- HPA (Standard Security Life Insurance Co of NY) is an A-  rated US insurer
- Plan available in 44 States + D.C.
-Available in ALL States EXCEPT : CT, MA, NJ, NY, VT, WA
- $2 Million coverage limits lifetime
- Requires SSN on application
- CoInsurance is based on $10,000 max after deductible
- Utilizing ACS or MultiPlan PPOs, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Coverage periods from 30 days to 12 months (not all States allow the 12 mos option)
- Immediate protection - can start as early as "next day"











Secure 12x3 STM

- HPA (Standard Security Life Insurance Co of NY) is an A-  rated US insurer
- Plan available in 22 States + D.C.
- Available in the following States:
AL, AK, AR, AZ, DC, DE, FL, GA, HI, IL, IA,  MO, NE, NM, OH, OK, PA, SC, TN, UT, VA, WV, WI
- $750,000 coverage limits lifetime
- Up to (3) 12 month coverage periods (continuously renewable)
- $25 Copay for a physician office visit charge
- Outpatient drugs -- RX Pay Card included with plan - FAQ on RX Pay Card
- Requires SSN on application
- CoInsurance is based on $10,000 max after deductible
- Utilizing ACS or MultiPlan PPOs, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Immediate protection - can start as early as "next day"




Secure Lite STM

- HPA (Standard Security Life Insurance Co of NY) is an A-  rated US insurer
- Plan available in 44 States + D.C.
-Available in ALL States EXCEPT : CT, MA, NJ, NY, VT, WA
- $750,000 coverage limits lifetime
- Monthly and daily rates
- Single payment discount for 30-180 days
- Unlimited re-applies in most states
- No copay; plan pays $25 per Dr office visit up to 4 visits per coverage period
- Requires SSN on application
- CoInsurance is based on $10,000 max after deductible
- Utilizing ACS or MultiPlan PPOs, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Immediate protection - can start as early as "next day"
Visit
Trust for America's Health -- find out the health of your State.
Insurance Categories

US Domestic Short Term Medical Insurance

Accident / Sickness / Emergency
Layoffs, Job Change, Students, Alternative to COBRA
US Citizens, Green Card, H Visas Residents of US >1yr
Coverage of 1 month - 3 years
Renewable options / RX cards

Global Health Insurance

Long Term Annual Plans
Children Under 10 Free
Worldwide Coverage
Comprehensive & Basic Coverages up to $5 Million
Expats, Missionaries, Marine Crew, Travelers, etc.

Travel Medical Insurance

Short term trips
Renewable up to 2-3 yrs
Individual / Family / Groups
International Coverage
Illness / Accident / Emergency
Coverage $50k to $2 Million

Emergency Medical Evacuation

Domestic & International Plans
Hospital of Choice (Medjet Assist)
Short term to Annual Plans
Political Evacuation

Visitors Medical Insurance

Coverage in US & Abroad
Comprehensive / Basic Plans
All ages / Citizenships
Renewable / Flexible Benefits
Purchase before or during trip

Student / Exchange Visitor Medical Insurance

J & F Visa Compliant
Meets University Reqs
US or non-US Citizens
Individual / Family Coverages

US Immigrant Insurance

Coverage in all States
All Ages
Maternity Coverage
Long Term coverage to 5 yrs

Schengen Visa Insurance / European Visa Plans

Satisfy Consulate Requirements
France Compliant Coverage
Ilness / Accident / Emergency
Emergency Evacuation

Trip Package Insurance / Trip Cancellation

Bought prior to trip departure
Covers loss of $$$ on trip costs
Benefits include trip cancellation, interruption, delay & medical, evacuation, luggage loss, etc
Cruisers, travelers, business, etc
US & Non-US citizens

Au Pair / Nanny Insurance

Meets Visa Requirments
Coverage worldwide / US states
Illness / Accident / Emergency

Group Travel Insurance

One plan for 5 or more persons
10% savings over single plan
Mission / church groups, students, travelers, cruisers, etc

International Life Insurance

Worldwide Coverage
Up to 10 yr term
Terminal Illness
Double Indemnity
Online Quotes / Application

International Accident Life Insurance w/ War & Terrorism Coverage

War Risk Cover Worldwide
All Countries, Iraq & Pakistan
Nuclear, Chemical, Biological
Terrorism & War
High Limit Coverage
One week to One year

Special Risk Disability Insurance

Executives, Physicians / Surgeons, Racers, Entertainers / Musicians, Professional Athletes, Pilots, Jockeys, Pro Golfers, etc

International or Domestic Plans

Kidnap, Ransom & Extorsion Coverage

Worldwide Coverage
All countries
Ransom Money
Negotiation Services, etc
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Click to purchase Amigo short term domestic medical insurance
FOR HPA, Inc. Short Term Medical Insurance Plans

Who needs this type of coverage?
Short Term Medical Insurance is an ideal, affordable type of medical insurance for those who are: unemployed, self-employed, in between jobs, recent college graduates, in need of an alternative to COBRA. You will see that this coverage provides many special and unique coverage features while maintaining a very competitive premium structure.


Who qualifies for STM?
STM is offered to members and their spouses under age 65 and their dependent children under age 19 (or under age 25 if a full-time student) who can answer 'No' to the health questions on the application. Children age 19 and over should apply separately. Child only coverage is available for ages 2 through 18.


When does my coverage start?
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 termination date listed in your policy. All coverage is subject to approval of your application and payment of the first premium.


How are benefits covered?
STM pays benefits for each covered person in the following manner:
First, you meet your deductible. Choose from five options: $250, $500, $1,000, $2,500, or $5,000
Then STM pays 80% or 50% of the next $5,000 or $10,000* of covered expenses
After this, STM pays 100% of covered expenses up to your lifetime maximum of $2 million*
*Certain conditions have limited maximum benefits also depending on the plan type choosen

Short Term Health Insurance
Short Term Health Insurance
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USA Health Care Reform - Public Option from the Daily Record.com
H1N1 Vaccine - Frequently Asked Questions
2009 H1N1 Flu (Swine Flu)
CDC
Star Rating:

The more Stars, the more Popular the plan is....