Short-Term Medical Insurance

Life is filled with changes, and some of them may leave you without health insurance. While you're in transition, protect yourself and your health with Short-Term Medical Insurance. Designed as a temporary plan to protect you when you face gaps in your healthcare coverage, Short-Term Medical Insurance can help protect you from high medical costs.

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Learn more about Short-Term Medical Insurance

When might Short-Term Medical Insurance be the right choice?

You should consider Short-Term Medical Insurance during times of transition, like when:

You are between jobs and no longer covered under an employer sponsored plan

You are awaiting approval of major medical coverage

You're in a period of transition, like after graduation or after the completion of graduate school

Health insurance plans like COBRA are too expensive, and you should have coverage soon

You only need temporary coverage for a few months

What's Covered?

Short-Term Medical Insurance differs from traditional health insurance in that it is designed for unexpected injuries and illnesses and is not designed to provide preventative care.

  • Deductible options ranging from $250-$7,500
  • $50 co-pay when obtaining treatment at an Urgent Care Facility. Deductible is waived
  • Policy provides free 10 day look period
  • 6 months of coverage (some states allow up to 11 months per certificate)
  • 24/7 customer support via toll-free phone or online chat sessions
  • Instant confirmation materials and ID cards if you purchase online
  • Multiple payment options, you can pay for your plan up-front or on a monthly basis
  • Underwritten by HCC Life Insurance Company

Not all coverage or products may be available in all jurisdictions. The description of coverage in these pages is for information purposes only. Actual coverage will vary based on local law requirements and the terms and conditions of the policy issued. The information described herein does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by HCC. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.