Short Term Medical Insurance from Companion Life & Health Plan Administrators, Inc. (HPA)

"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 HPA.

What is Short Term Medical Insurance?

Short Term Medical Insurance is a temporary health plan designed for people who are between permanent health plans. Coverage can be purchased for as few as 30 days or as much as up to one year or longer (varies by state & plan type).

Review the three Short Term Medical Insurance plans below, offered exclusively by Standard Security Life (HPA, Inc.) & HCC Life

Secure STM - (Standard Security Life Insurance Company of New York - Rated A (Excellent) Short Term Medical coverage from 6 to 12* months of coverage. Eligibility up to age 65.

Choice of Single Pay for 30 to 180 days or Monthly Pay for 6 or 12 months

$2 Million Maximum per person

Copay of 80/20 to $5,000 after deductible

Unlimited Reapplies for most states (certain restrictions apply)

Max. three deductibles per family of 4 or more

Child Only Coverage available (minimum age 2 years old)

Includes PHCS PPO Network discounts - there is no penalty if network provider is not used

* US citizenship not required (Must be a resident for 12 months) -

(Review visitor medical insurance options if visiting the US temporarily)

Approved in 45 States and D.C. (see list below) - must be resident of approved state

Rated A (excellent) carrier

For additional coverage on prescription drug costs for pre-existing medical conditions, please also review the Competitor RX-Pay Card offered by Rx Options, Inc.

Secure 12x3 - (Standard Security Life Insurance Company of New York - Rated A (Excellent) Short Term Medical coverage offering 36 months coverage option . Eligibility up to age 65.

36 Month STM coverage option (three consecutive 12 month coverage periods)

$750,000 Maximum per person

Prescription drug card included - no deductible, no pre-existing - $10 Generic / $20 Brand name

Doctor office visit 1st Dollar Benefit - $25

Optional $500 Emergency Accident Benefit

No question on application for health declines

Max. three deductibles per family of 4 or more

Child only coverage option (minimum age 2 years old)

Includes PHCS PPO Network discounts - there is no penalty if network provider is not used

* US citizenship not required (Must be a resident for 12 months)

(Review visitor medical insurance options if visiting the US temporarily)

Approved in 21 States & DC (see list below) - must be resident of approved state

Rated A (excellent) carrier

Affordable Individual Major Medical Insurance

USA / Domestic major medical health and medical insurance ONLY for US residents

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

Amigo - (HCC Life Insurance Company) - Rated A+ (Superior -- by AM Best) Short Term Medical coverage from 6 OR 12 months of coverage. Purchase in full or make monthly payments.

Amigo plan features include:

o Flexible deductibles

o Fast, secure, easy online applications

o Choice of payment options

o Available in daily increments

o Competitive rates

o Immediate coverage available

o Choice of co-insurance options

o Coverage periods up to 12 months

$1 or 2 million of coverage limits. Available to those aged 18 through 64 and dependants under age 65 or under 18.

Available regardless of citizenship or residency. This is US coverage only.

Currently we can only write the Amigo in the State of Missouri

Available in Spanish as well. View the Amigo Spanish Brochure & Quote online with our Spanish version quoting / application tool NOW !

No residency restrictions, so long as you are living in Missouri. Available to all legal visitors on visa status, perm residency status, etc.