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STM Complete - Short Term Medical Insurance Plan

  • Deductible Choices: $250, $500, $1,000, $2,500, $5,000 and $7,500 
  • No Referrals Needed for Specialists Except Physical Therapy 
  • No Primary Care Physician Required 
  • Out-of-Network Coverage 
  • Coinsurnace: Choice of 50% or 80% of the next $5000 in eligible expenses after deductible 
  • Choice of Coverage : $1Million or $2Million
  • Hospital Inpatient Prescription Drug Coverage 
  • Urgent Care: co payment of $50 and co-insurance / deductible waived
  • No maternity but complications of pregnancy are covered as any other condition
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage 
  • Instant Approval
  • 10 day free look
  • No Application Fee
Speech Disorders 
Hearing Disorders 
Periodic Mammogram Exams up to Age 35 
Mental Health Coverage 
Phenylketonuria Testing and Formula 

* Although the above list provides a summary of covered medical services, it is not an insurance contract and only the actual contract defines coverage. Benefits may vary by state, by plan and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and HCC Life. Once you receive your Short Term Medical Policy, please read it carefully.  Not ACA Compliant .  


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Short term temporary medical insurance 
for individuals or families living in the United States
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Short Term Medical (STM) Insurance Plans
underwritten by
HCC Life Insurance and Lloyds, London Underwriters
"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.   


HCC offering the STM Complete Medical Plan (online application) 

NOTE that short term medical insurance plans are typically available (depending on the company offering) in the following states, including Washington DC (some exceptions exist from carrier to carrier): 

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), 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), Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

*** Many STM carriers will NOT provide plans that are available in MA, MN, NJ, NY, RI, VT

Quote and apply for short term medical insurance online
STM (Short Term Medical insurance) is an effective solution for individuals temporarily lacking healthcare coverage.

STM plans are appropriate for:
Missed ACA Healthcare Reform (Obamacare) open enrollment or just can't afford the ACA plans:
  • although STM plans are not a comparable program to ACA programs, STM plans do provide a solution for those that will nevertheless go without any coverage should they not have elected to enroll in an ACA exchange program.

Recent college graduates
  • Many college students are faced with the situation of being uninsured once they graduate. If they were insured under a family plan with their parents or under a university plan, they are no longer eligible for those plans and may have a gap in coverage until benefits begin with their first professional job.

Individuals between jobs
  • Whether an individual is laid off or simply quits their job, they leave behind their medical benefits. While they may choose to extend that coverage through COBRA, many find COBRA to be too expensive, especially without the income they once had.  STM plans are an affordable COBRA alternative.

New employees waiting on benefits to begin
  • Even if an employee goes straight from one employer to another, they may face a waiting period for the employer-sponsored coverage to begin, causing a gap in coverage.

Young adults no longer covered under parents’ plan
  • Each state’s law mandates the maximum age at which a dependent child may continue to be covered under their parents’ plan. Some states allow them to stay on longer if they are enrolled as a full-time student. However, at one point or another, dependent children will become ineligible under their parents' plans.

Retired individuals (under 65) waiting on Medicare to begin
  • Individuals who retire before the age of 65 may be faced with a gap in coverage before they become eligible for Medicare.

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