The HCC STM Complete Plan features include the following:
If you are a licensed health lines agent in your state, we can work with your agency to provide this progam.
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 .
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.