The HCC STM Complete Plan features include the following: 

  • Pays up to $2,000,000 Lifetime Maximum per Covered Person

  • Choice of Coverage Periods - 30 days to 6 months 
  • May be rewritten again for another period back to back, depending on state
  • Each state has it's own additional legislated coverage; review your state- specific coverage here
  • Use any doctor or hospital. Save more by using a First Health network provider
  • Choice of Deductibles - $250, $500, $1,000, $2,500, $5,000 or $7,500
  • Coinsurance options - The Insurance company pays 80% or 50% of the first $5,000 limit; then 100% of remaining
  • When using an Urgent Care Center, the deductible is waived and you pay a $50 copay
  • Choose a monthly plan or choose the single payment option for additional savings
  • Child Only Coverage is available - the minimum age is two years old
  • Free Look Period ensures your satisfaction with a 10-day money back guarantee
  • Underwritten by HCC Life Insurance Company, Rated A+ superior by AM Best

If you are a licensed health lines agent in your state, we can work with your agency to provide this progam.

Learn more here to market HCC STM temporary medical insurance plans

The Affordable Care Act isn't so affordable it's turning out..

Tired of paying for aca ?... get short term medical and save $$$

short term temporary medical plans             S.T.M. over A.C.A. saves you $$$$

Short -term plans do offer:

Peace of mind.... you should never go without health coverage; STM is the affordable alternative in 2016 and beyond

Affordable price  ... over a third LESS in cost on average over ACA major medical plans

Immediate approval same day and ID card emailed same day; next day coverage

Flexible terms of coverage from 30 days to 6 months and up to a year and longer in many cases depending on the state

Short -term plans are able to assist in the following situations:

Obamacare / Affordable Care Act.... you might be able to fill a gap in your major medical coverage or replace it all together at lesser cost

Change of employment ... Laid off or job loss ?  Loss of employee benefits

College students not covered currently under a parent or needing an affordable alternative to ACA

US residents returning from abroad overseas and needing coverage stateside

Pre-Medicare needs ... if under aged 65, you can qualify for STM plans to bridge a gap need before Medicare eligibility

Certain activities requiring proof of coverage... only need 30 days of coverage ?

HCC Life STM / STM Complete Plan- Short Term Temporary Medical plans have great benefits, low out of pocket costs, and the rates are very affordable. The short term medical coverage includes a $2,000,000 lifetime maximum per person option. The deductible options range from $250 to $7,500 and the Coinsurance option of 80/20 keeps your out of pocket cost at $1,000, plus the deductible. STM Complete is one of the most popular short term plans and as of the beginning of 2016, one of the few remaining STM plans anywhere on the market, as many other insurance carriers are exiting the markets .

Enter here to get a no obligation quote RIGHT NOW !  

Coverage can start as early as tomorrow .  To be eligible you must be legally residing in the United States of America (can be a visa holder, Green Card holder, US citizen, etc), reside in an approved state and must be under age 65.  Those foreign immigrants that are in the USA and over age 60, we recommend also reviewing the Bridge Plan from Lloyds.

 For US tax payers :  Are You concerned about the IRS "tax penalty" (aka, the individual shared responsibility payment ) , should you wish to change from an ACA approved plan to a plan like the STM Complete?  Learn more about this at our STMOverACA FAQ page.  STM plans are NOT ACA compliant and thus could result in a "tax penalty"; however, there are things you need to be aware of that might limit your receiving this "penalty".  Please consult your personal financial adviser or CPA, as regulations with ACA are constantly changing.  STM plans also don't cover pre-existing medical conditions and are not guaranteed-issue.