"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.
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. STM plans are also used for those immigrants or inbound USA visitors that are in need of inexpensive visitor temporary health insurance.
Short Term Temporary Medical Insurance is available in the following states + D.C.
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)
***NOT available in MA, MN, NJ, NY, VT
Short-term Temporary Medical Insurance plans below offered exclusively by reputable U.S. insurers that are A rated
COMPARE QUOTES BETWEEN OUR TWO CARRIERS
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Brochure Sample (Missouri specific example) ... contact us for your state specific brochure and application... we can email this to you same day !
- 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
- Choice of 80/20% or 50/50% Coinsurance
- Choice of Coverage Maximum up to $2,000,000 Lifetime
- Hospital Inpatient Prescription Drug Coverage
- Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage
- State Specific Benefits in addition: Examples below are for Missouri (varies by state)
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.
Contact us at info@eGlobalHealth.com and we can help you determine very quickly what your state specific benefits are in addition to the standard base benefits noted above....
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
Short term trips
Renewable up to 2-3 yrs
Individual / Family / Groups
Illness / Accident / Emergency
Coverage $50k to $2 Million
Coverage in US & Abroad
Comprehensive / Basic Plans
All ages / Citizenships
Renewable / Flexible Benefits
Purchase before or during trip
For US Residents traveling abroad, short term coverage for complications of pregnancy
ONLY plan of it's kind !
For immigrants, US residents or citizens ineligible for Medicare or have missed Deadlines
Aged 60-84 rates
Any combination of Part A or B or both Part A&B Coverage
Monthly or Annual premiums
J & F Visa Compliant
Meets University Reqs
US or non-US Citizens
Individual / Family Coverages
Coverage in all States
Long Term coverage to 5 yrs
Satisfy Consulate Requirements
France/ EU Compliant Coverage
Ilness / Accident / Emergency
Emergency Evacuation/ Hospitalization/ Repatriation