"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.
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 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
- 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)
- 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.
- 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"
- 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"
- 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
- 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"
- 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"
