• 31
  May
  2010

• HCC Offers Options for Short Term Coverage

  
  Filed Under: Blogging
  0 comments, add yours

Short term health insurance is ideal if you are looking for health coverage for a short time. The HCC Life Short Term Medical plan from the HCC Life Insurance Company offers just such short term coverage. The plan offers a range of deductible, coinsurance, and maximum coverage amounts.

The HCC Life STM plan offers coverage for up to 6 to 12 months. However, some states do not offer coverage over 6 months. There are six deductible options that you can choose from: $250, $500, $1,000, $2,500, $5,000, and $7,500. For each family, you can choose a maximum of three deductibles.

The co-insurance amount is effective for the next $5,000 of eligible expenses. The co-insurance options available are 80% and 50% of eligible expenses. The maximum coverage options are $1 million and $2 million. The temporary insurance benefits are paid according to the co-insurance and deductibles chosen.

The HCC Life STM covers inpatient and outpatient charges. It also covers dressings, sutures, casts, diagnostics, local ambulance transport, pregnancy-related complications, and physical therapy prescribed in relation to a covered illness. The plan excludes pre-existing conditions, preventive and wellness visits, and dental and optical care.