HCC Life
Washington State NO LONGER Allows Short Term Health Insurance
HCC Life STM - Short Term Medical plans have excellent benefits, low out of pocket costs, and the rates are very affordable. Next Day Coverage is available. Quote, Apply and Print your policy in less than 7 minutes.
Urgent Care Copay
If you have a minor illness, accident or injury, use a Urgent Care Center or Walk-In Facility. Your deductible is waived and you pay a $50 copay.
The HCC STM Plan Includes
Dental, Pharmacy, Lab, Imaging, Hearing and Diabetic discount plans in most states.
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Pays up to $2,000,000 Lifetime Maximum per Covered Person
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Choice of Coverage Periods - 30 to 90 days. You can also reapply if you need longer periods of coverage
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Use any doctor or hospital. Save more by using a > First Health Network Provider
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Choice of Deductibles - $250, $500, $1,000, $2,500, $5,000 or $7,500
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Coinsurance options - The Insurance company pays 80% or 50% of the $5,000 limit
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When using a Urgent Care Center, the deductible is waived and you pay a $50 copay
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Choose a monthly plan or choose the single payment option for additional savings
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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
- Between jobs or laid off - Waiting for employer benefits
- Part-time or temporary employees with no group coverage
- College Student or recently graduated and searching for employment
- Finding COBRA health insurance coverage is unaffordable
- Looking to fill the gap until the next open enrollment period
When applying online, you will be able to print your policy and ID cards or save everything to your computer. You can also choose to have everything mailed to you.
HCC Short Term Health Plan Details
HCC Life STM provides affordable temporary health insurance to protect you and your family. You should consider purchasing HCC Life STM if you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected accident or sickness.
With HCC Life STM you’re in control. You get to choose your deductible, coinsurance, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties. HCC Life STM gives you peace of mind by relieving some of your financial worry in the event of an unexpected medical condition.
- Between jobs or laid off - Waiting for employer benefits
- Retired individuals (under 65) waiting for Medicare
- Part-time or temporary employees with no group coverage
- College Student or recently graduated and searching for employment
- Finding COBRA health insurance coverage is unaffordable
- Looking to fill the gap until the next open enrollment period
After you satisfy your deductible, HCC Life STM will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum that you choose. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.
- Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
- Charges incurred at an urgent care center after a $50 copay
- Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
- Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
- Expenses related to complications of pregnancy
- Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness
HCC Short Term Medical is insured by HCC Life Insurance Company, which has been an industry leader in medical stop loss and excess lines coverage for more than 30 years. HCC Life, an Indiana domiciled insurer, has offices in Atlanta, Boston, Dallas, Indianapolis & Minneapolis and writes over $750 million dollars in premium annually. HCC Life Insurance Company is rated A+ (Superior) for financial strength by A.M. Best Company ratings services. All of HCC Life products are backed by the financial stability of our parent company, HCC Insurance Holdings, Inc. (NYSE: HCC).
The HCC Short term health insurance plan is designed to provide low cost medical coverage on a temporary basis. Ideal if your between jobs, lay off, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost short term health insurance alternative to COBRA or traditional health coverage. HCC Short term coverage is available for as little as 30 days and you can keep it up to 90 days. You can also choose the exact number of days and receive a single pay discount when choosing the single payment option. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost.
Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.
In Washington State, the HCC Short term health coverage is available for as little as 30 days and you can keep it for up to 90 days. If you need a longer period of coverage, you can reapply.
You can also choose the single payment option for your temporary coverage and receive a discount up to 35% on the premium.
Your HCC short term coverage can begin as early as the next day. You can also select a later effective date
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.
No Application Fee
Unlike other insurance companies that offer short-term medical plans, HCC Life Short Term Medical does not have an application fee (and we don't either).
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.
Free Discount Plans
Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info