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Short Term Medical

Short Term Medical

Short Term Medical

Short Term Medical

Online HCC Short Term "English"

HCC Short Term "Spanish"

Online quotes and Application

Online Quotes and Application

Purchase up to six months, but have the option to terminate any month prior to the full six month option.

What is short-term medical insurance?

Short-term medical insurance offers a solution to individuals in need of temporary medical coverage. This short-term medical insurance policy protects against unforeseen accidents and sicknesses, appropriate for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Coverage is available for periods of up to 6 or 11 months (varies by state).

What is co-insurance?

Co-insurance is the part of medical expenses you pay for after you pay the deductible. The remaining amount is covered by the policy. This policy gives you two options: 80/20, where underwriters pay 80% of eligible expenses (after deductible) and you pay 20% of the eligible expenses, or 50/50, where eligible expenses are equally split after your fulfillment of the deductible.

How soon can I start my coverage?

Your coverage can start tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later.
What if I need more time later? or What if I need coverage for the entire year?

Coverage periods of 6 or 11 months are available, depending on the state in which you will hold coverage. However, if you require more time, you may purchase a new policy as long as you have not held two previous policies in the same 12 month period! Coverage is not renewable; therefore, any subsequent policy will be treated as new and will be subject to the same preexisting condition provision and other limitations. Availability of re-purchase may vary in some states.

For when you need it

With LifeMap's Short Term Medical, you'll have coverage that fills the gaps during those "in between" times.

LifeMap supports living. Part of living involves taking risks. Short Term Medical coverage helps you go on living without risking your savings.

Accidents happen. So do illnesses. Be prepared when they do.

Short Term Medical covers medically necessary services and supplies required to treat each patient, so long as no exclusions apply. The plan provides major medical insurance for short periods of time, giving you protection when you need it. Whether you’re a recent grad, are in between jobs, waiting for employer coverage or launching a new business, Short Term Medical will help keep you covered.

Be Free from Networks

With Short Term Medical, you don't have to choose from a list of providers in order to get the best deal. That's because accidents and illnesses are sudden, and we want you to seek treatment quickly and efficiently from trained, close-by professionals with whom you’re comfortable.

LifeMap limits coverage to only those injuries and illnesses sustained while you’re covered under the policy. This helps us keep our costs low while still offering you peace of mind in the interim.

Health Net's Quick Net short-term plans in Oregon offer a wide-range of PPO insurance benefits, including doctor office visits, emergency care, hospitalization, surgery and generic prescription drugs. Insureds can choose either Quick Net Daily or Quick Net Monthly.

Quick Net is ideal short-term coverage for individuals who are:

• between jobs

• new employees waiting for their health insurance benefits to begin

• temporary employees who want health benefits

• students

• waiting for approval of their IFP applications

• no longer eligible for a parent's health plan

Oregon

Insureds choose coverage from 30 to 185 days or six months.

The Quick Net portfolio features in-network deductibles of $1,000 and $2,500.

Covered benefits include:

• physician office visits, including specialist consultations

• durable medical equipment

• inpatient hospital care

• outpatient surgery

• emergency room services

• home health care

• prescription drugs

STM Brochure

Purchase up to six months, but have the option to terminate any month prior to the full six month option.

Short Term Major Medical Insurance

$2 Million Lifetime Maximum Per Covered Person

Just because you don't have health insurance right now doesn't mean you may not have health problems. The Secure STM allows you and your family up to age 65 to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.

The Perfect Solution...

• Between health insurance plans

• College student or just graduating

• Need a COBRA alternative

• Part-time or temporary employee

• Unemployed or laid off

Special Features...

• $2 Million Lifetime Maximum Per Covered Person

• Freedom to choose any doctor or hospital

• Unlimited re-applies

• Convenient payment options

• Pay monthly up to 6 months of coverage

• Single payment discount for 30-180 days

• Lab One Select FAQ

Advantages of HCC Life Short Term Medical

Fast Enrollment Process

HCC Life Short Term Medical does not require medical underwriting to be accepted for coverage. Immediate online confirmation and fulfillment are available, including medical ID cards.

No Application Fee

Unlike other insurance companies that offer short-term medical plans, HCC Life Short Term Medical does not have an application fee. Apply now for free for a HCC Life Short Term Medical policy today

No Out-of-Network Penalties

HCC Life Short Term Medical customers have the freedom to choose doctors and hospitals without facing out-of-network penalties.

Low Copay at Urgent Care Centers

If treatment is received at an urgent care center, then the deductible is waived and substituted with a $50 co-pay option.

10 Day Money Back Guarantee

In addition to having no applications fee, we want to guarantee your satisfaction with our product. If you are unsatisfied, send a written request to cancel your policy within 10 days of purchase. If you have not already used the insurance benefits, you will receive a full premium refund. Premiums are non-refundable after 10 days.

Back to Top

HCC Life Short Term Medical is the ideal solution for individuals needing temporary medical coverage while going through some of life’s many transitions.

Individuals between jobs

When you move on from a job, you leave behind your medical benefits. Many people find continuing their employer-sponsored plan through COBRA is too expensive, while they look for alternate employment. HCC Life Short Term Medical is an affordable COBRA alternative for medical coverage.

New employees waiting on benefits to begin

If you have been recently hired, you may have a gap while you wait for your employer-sponsored benefits to begin. You can purchase HCC Life Short Term Medical for as little as one month to prevent you from having a coverage gap. Click here to learn more.

Retired individuals (under 65) waiting on Medicare to begin

If you are an individual who retired before the age of 65, you may be faced with a gap in coverage before your Medicare begins. HCC Life Short Term Medical offers coverage until your Medicare coverage starts.  here to learn more.

Recent U.S. immigrants

Individuals who have recently become U.S. citizens may have a waiting period before being able to receive Medicare or other government-sponsored health plans. HCC Life Short Term Medical can be an excellent option for U.S. coverage in your state of residence. Click here to learn more.

College graduates

You may be one of many college students faced with being uninsured after graduation. If you were insured under a family plan with your parents or under a university plan, you are no longer eligible for those plans and may have a gap in coverage until benefits begin with your first professional job. Apply for a short-term medical insurance plan today! Click here to learn more.

Young adults no longer covered under parents’ plan

The federal health care reform law (PPACA) allows dependent children to be covered as a dependent up to the age of 26. Some states allow you to remain longer. However, at one point or another, most children must be removed from their parents’ plans and onto their own. Apply for a short-term medical insurance plan today!

U.S. citizens returning from living abroad

HCC Life STM offers protection from medical expenses for your return to the U.S. from overseas and is available in most states.

Today’s economy is on the mend. Around the nation, workers and businesses are emerging from high unemployment rates with a positive outlook on tomorrow. If you are currently between jobs, it could be just a matter of time before you find your next position. In the meantime, it’s crucial that you take steps to secure some much-needed peace of mind with a good temporary health insurance plan. HCC Medical Insurance Services (HCCMIS^®) is proud to offer a short-term medical insurance plan that will help you transition to your next great career opportunity.
 

Affordable Health Insurance for Unemployed from HCCMIS

When you are living on a budget, some expenses can start to take priority over others. With your rent or mortgage payments, car payments, bills, and food, medical insurance might not make it to the top of your list. Perhaps you think it’s too expensive when you aren’t on a company plan, but consider this:

Hospital visits are expensive!

Even if you are in good health, you never know when emergency situations might arise. Did you know that in many hospitals, you could be charged a fee just for visiting the Emergency Room? Factor in any testing, drugs, or treatment that you receive while in the hospital, and you could be looking at thousands of dollars in medical bills. Without medical coverage, you will be on your own to cover those expenses.

HCC Life Short-Term Medical coverage is affordable!

Here’s the bottom line: You could secure health insurance for the unemployed with an HCC Life Short Term Medical policy for just dollars a day. That’s a small price to pay for the security that comes with health insurance for the unemployed. You won’t have to worry about visiting the hospital for the medical treatment you require – you will have access to the medical care you need. Don’t wait for the unexpected to take you by surprise. Quote now, apply online, and print your ID cards instantly!

The Job Hunt in Today’s Market

When it comes to finding a job in today’s market, times are changing. Even if it’s only been just a few years since your last job hunt, you may be surprised to learn how much of an impact the web and social media is having on the way workers and employers go about the hiring process. It’s a competitive atmosphere out there, so we’ve put together a few tips to help you find and secure your dream job.

   Participate in social media.

Social media is taking the world by storm. Websites like Twitter and LinkedIn in particular are becoming standard forums for professionals looking to establish their expertise in an area and connect with other professionals online. Building a strong resume on LinkedIn and actively participating in Tweetups (Twitter-based seminars and conversations) and other online discussions can build your reputation as an active member of your industry.

   Update your resume.

While some experts argue that social sites like LinkedIn will eventually kill the traditional resume, it’s important that you keep yours up to date. Keep it short (one page or less) and to the point, and be creative in the way you present yourself. Do you have a blog or a website to link to that displays your work and experience? Is there valuable volunteer experience in your past that might set you apart from the competition? Use your experience and accomplishments to sell you to a prospective employer.

 Sign up for an online employment service.

Millions of employers and workers use online job placement websites like Monster and CareerBuilder.com to find the right match for openings around the world. Be sure to create profiles with these services and actively use them for leads on jobs that might be a good fit for you.

On average, job placement websites like Monster, CareerBuilder.com, Indeed, SnagAJob.com, and Glassdoor receive over 52,000,000 visitors each month.

You just started a new job and you are excited about the new opportunities and possibilities that will provide. The only problem is your new insurance has not started yet, and the health insurance waiting period has left you temporarily without insurance, but you know that going without medical insurance has the possibility of landing you with a mountain of medical related bills. Going without insurance could mean you are paying for doctor visits, hospital stays, and physical therapy all on your own. With HCC Life Short Term Medical (HCC Life STM^®), you can avoid being stuck with all of those unwanted medical bills.
 

Easy to Apply

HCC Medical Insurance Services (HCCMIS^®) has made it easy for customers to apply online. First, you will want to visit HCCMIS.com and receive your free quote. After you have reviewed your quote, the application processes will begin. Simply follow the on-screen steps to apply for HCC Life STM. You can complete your application at your own pace, and even return to finish the application at a later time. When you are finished, you can even print your ID cards instantly!

Learn More l Get a Quote

Get Coverage Quickly

With HCC Life STM, your health insurance waiting period will be significantly reduced. When you send in your enrollment forms online, by e-mail, or by fax, you will be covered starting at 12:01 am the day after your completed form is received, so long as you have provided payment. If you mail in your enrollment, your coverage will begin either on the postmark date, or at 12:01 am on the date requested on your enrollment form. Your effective coverage date must be within 45 days of the date you signed your enrollment form.

Maximize Your Workspace

If you are starting at a new job, you will have some space of your own that needs your personal touch. Whether it’s a desk, or an office, or even your very own cubicle, it’s important that you make it your own. By taking some time to decorate and personalize your workspace, you add a sense of comfort that will make you work more efficiently and effectively.

Workplace Personalization

You’ve just retired early and you are ready to set out on a new adventure. Perhaps you are planning on traveling around the country, starting a new hobby, spending more time with your family, or maybe you are finally realizing your dream and starting your own business. You may find yourself temporarily without insurance for a short amount of time, even if you are simply planning on relaxing in your retirement. Regardless of your plans, you should always have health insurance. Early retirement insurance like HCC Life Short Term Medical (HCC Life STM® and STM Complete) keep you covered while you wait for Medicare benefits to begin. Early Retirement insurance from HCCMIS is an insurance solution that will keep you covered in your transitory, uninsured time.

Early Retirement Insurance Benefits

HCC Life STM and STM Complete are early retirement insurance for individuals who are looking for to get the most out of life. Just because you are in the market for a temporary health insurance policy, it doesn’t mean that you have to sacrifice great coverage. Here are just a few of the benefits that are standard with each short term medical insurance plan:

Applying Online

To make things easier for customers, we offer an online application for early retirement insurance. The first step in applying for temporary coverage is to visit HCCMIS.com, select your state, and get your free quote. The online form will walk you through all of the steps. Once you’ve received a quote, you can follow the instructions to complete your application and even print an ID card instantly!

Customer Service from HCCMIS

At HCCMIS^®, customer service is extremely important to us, which is why we have dedicated multi-lingual customer service specialists standing by 7 days a week, 24 hours a day, to answer your questions and respond to any of your insurance needs.

• Email us at service@hcclifestm.com
• Call us at 1-866-400-7102

You can also manage your personal account on our Client Zone account management tool.

You just became a naturalized citizen of the United States of America and now you are ready to start your new life. You can begin to chase after dreams you never thought you would see come true. While you begin planning your new life as a U.S. citizen, you may find yourself without health insurance for a short period of time. Don’t risk your future livelihood on surprise medical debt. You will need new immigrant health insurance that will keep you insured as you settle into your new lifestyle. With that in mind, HCC Life Short Term Medical (HCC Life STM^®) is a temporary health insurance plan for immigrants that will allow you to stay covered in your transition period.

Easy Customer Assistance

At HCCMIS, we know that securing health insurance for new immigrants can be a challenging process, which is why we provide customer service 24 hours a day, 7 days a week. If you need help applying, filing a claim, or have any questions at all, feel free to contact us through one of our many options:

• Email us at service@hccmis.com or service@hcclifestm.com
• Call us at (800) 605-2282 or 1-866-400-7102
• Fax us at (317) 262-2140
• Twitter

Client Zone

On top of our 24/7 customer service, we also offer an exclusive account management tool, the Client Zone
 

Coverage Made Easy

Health insurance for new immigrants doesn’t have to be a difficult process. We provide our customers with an easy application process. Simply visit HCCMIS.com, and select your state to get a quote for HCC Life Short Term Medical. From there, you can follow the on-screen directions to begin the application. You can save your progress, complete the application, and even print your ID cards as soon as you are approved.

Naturalized Citizen Statistics

You may have been a resident of the U.S. for a while before gaining citizenship. You aren’t new to the country, but you are the newest member of a select group of naturalized citizens. There are literally hundreds of thousands of naturalized citizens in the U.S. Here are some statistics about where new citizens are from, where they live and the type of work they perform:

Country of Origin: Naturalized citizens come from all over the world. In 2008, 1,046,539 people became naturalized citizens. Here is how it breaks down between different countries:

Occupation

Naturalized citizens are not restricted to the type of work they do, which results in a wide range of occupations for them. According to the Department of Homeland Security, these are the top 7 occupations that naturalized citizens hold:

   Management and Professional- 161,869

   Service- 78,607

   Production, Transportation and Material Moving-76,063

     Sales and Office- 59,055

  Construction, Maintenance and Repair- 13,678

   Military- 4,264

   Farming, Fishing and Forestry- 1,688

You are a recent graduate and are finally setting out on your own. That may mean moving to a new city, starting a new job, or finally leaving the comfort and security of mom and dad. In some cases, being a recent graduate may mean you are temporarily uninsured. If you find yourself without insurance for any reason, a short-term health insurance solution can help ease some of your burden. HCC Life Short Term Medical (HCC Life STM^®) is recent graduate insurance that will keep you covered while you are starting your new life.

A report by the Commonwealth Fund showed that 34% of college graduates will spend some time in the year after graduation uninsured.

Affordable Graduate Health Insurance

As a recent graduate, money may be a little tight and you might be looking to save a little money. Perhaps you are in good health, and you don’t think you should spend any money covering yourself with health insurance. This leaves you vulnerable to any accidents or sudden illnesses that might occur. The time is now to get the coverage you need for when the unforeseen happens.

HCC Life STM allows you to choose your deductible, coinsurance, maximum coverage amount, and the length of your coverage. The best part? You could get all of these great benefits for just dollars a day. There’s no reason to go without the medical coverage you need while you begin searching for a new career. The options that HCC Life STM offers will allow you to select the type of plan that’s right for you and for your wallet.

HCCMIS^® Makes Insurance Easy

If you have never been responsible for your own health insurance before, you might be a little overwhelmed by the idea of managing your account with your new insurance company. Customer needs are top priority at HCCMIS, which is why we provide consumer services 24 hours a day 7 days a week to answer questions about your domestic policy, including eligibility, coverage, claims, billing. To reach us call 1-866-400-2132 or email us at service@hcclifestm.com

We also provide our clients with Client Zone, an online account management tool.  With Client Zone you can resolve small issues and claim assistances. Through Client Zone you can also:
 

We put the tools in your hands to make your insurance policy exactly what you want it to be. With HCCMIS, you don’t have to worry about how difficult it could be to get coverage. From quote to card, we make insurance easy.

Fastest Growing Job Markets in the U.S.

Even though you now have a college degree, you might not know what you want to do with your life. The job market in the U.S. is ever changing, and demand for those jobs is on the rise. With that in mind, we have compiled a list of growing job markets to assist you in your job search.

U.S. Citizens Returning from Living Abroad

Health Insurance For U.S. Citizens Returning From Living Abroad

Welcome home—and take a deep breath. Culture shock for returning U.S. expatriates can be significant. Not only are there changes, both subtle or substantial, in American culture you’re expected to take in stride, but there are the ways your travel and time spent abroad have changed you and your expectations regarding everything from common courtesies to food. At the same time, you’re expected to slide gracefully back into your American life. Now is the time for you to obtain a short-term medical insurance policy to protect your health and your peace of mind, until you qualify for your own long term coverage.

Welcome Home and Prepare for Your Reverse Culture Shock

 When you first left the states to live or work abroad, you may have considered your new habitat’s culture as novel. However, more than likely, you adapted and adopted many of that country’s cultural mores, habits and mannerisms. What you didn’t anticipate was the reverse culture shock many expatriates experience returning to the United States from their international assignments. Often overlooked is the need for health insurance.  If you are not covered under your employer’s plan or looking for work, a short-term medical policy will meet your needs until long term insurance is obtained.

Purchasing Temporary Health Insurance Policy Upon Your Return

HCC Life Insurance Company offers you a solution: short-term medical insurance. Depending upon the state where you are returning to live and work, HCC Life Insurance Company offers policies that are available for a period of one to 11 months in the event of illness or injury. Such insurance policies also serve to protect you financially should you require medical care, hospitalizations, emergency room visits or even surgery.

Short-term medical insurance cannot be “renewed” when the policy protection period ends. However, you may be allowed to reapply for a new policy depending upon where you live. As noted, it’s a stopgap policy designed to protect you until you are able to locate new employment and arrange for your own long-term policy. The medical insurance policy, however, allows you to choose the amount of your deductible, coinsurance, length of desired coverage and the doctors and hospitals from which you seek treatment. Most importantly, you get peace of mind and medical protection.

International Medicine Versus American Medicine

Whether you’re returning from Yemen or Scotland, it’s advisable to seek out a physician for a full check-up and physical examination shortly after your return. This is of particular importance if you have returned from a second- or third-world country with limited formal medical care. You may require testing and subsequent treatment for hepatitis, malaria, viral infections and parasitic infestations. Even if you just flew in from London, medical authorities recommend a doctor's appointment as different medical conditions are sometimes treated differently from location to location.

More Bureaucratic Details of Repatriating

In addition to arranging your medical insurance, repatriation also involves ensuring that your tax records and filings are in order and up to date. Depending on your income, it may benefit you to engage the services of a specialized CPA or accounting firm. Taxes, especially state taxes, continue to be owed by American citizens whether they live in the United States or on the other side of the globe. Various bureaucratic documents such as your driver's license, voter registration card, debit cards, paper checks and other identification will require renewal or confirmation that they remain valid. Some credit cards will need to be reissued to be readable to American