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We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
HCC Insurance Services
107 S. Pennsylvania Street
Suite 402
Indianapolis, IN 46204
(800) 605-2282
low cost health insurance


Choose $1 million or $2 million coverage
Deductible choices from $250 to $1000
Coverage can extend to 6 months or 11 months
available even after previous decline of other coverage (if medical cause of the decline is gone)
Flexible design saves premium dollars
The deductible is waived when you receive care at an urgent care center, and instead you pay a $50 co-pay.
Short-term temporary health insurance available in English or Spanish language. This was formerly known as "Amigo Medical" and is an appropriate solution for individuals in need of temporary medical coverage that protects against unforeseen accidents and sicknesses. This coverage is intended for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. 
low cost health insurance
Who is eligible?
HCC Life Short Term Medical is available to applicants age 2 to 64 and their dependents living approved states.
Finding the best international  insurance for your situation can be challenging due to variety of choices available. HCC's Product Selection Tool is available to help select the best type of specialty insurance plan.
low cost health insurance
About the Insurance Company
HCC Life Short Term Medical is underwritten by HCC Life Insurance Company and serviced by HCC Life HealthCare Options.
HCC Life Insurance Company is rated 'A+' (Superior) for financial strength by A.M. Best Company ratings services.
HCC short term medical Insurance

Product Review

Short term medical insurance policies tend to be interchangeable in the minds of consumers. While there are far more similarities than differences, there are small distinctions between carriers both in the coverage provided and in the eligibility requirements of different brands of insurance.

HCC Life Short Term Medical is the online short term medical insurance available to individuals who have been previously declined for coverage, as long as the reason for the medical decline has been resolved. This policy also has an unique Urgent Care Visit benefit: Only $50 co-pay per visit with no limit on number of covered visits.

If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.

Description of Coverage

What is HCC Life STM?

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. HCC Life STM is appropriate for:

  • Individuals waiting on approval of major medical coverage
  • Individuals transitioning between jobs
  • College students or recent graduates
  • Individuals no longer eligible on parents’ policy due to age or status
  • Individuals looking for an affordable substitute for COBRA
  • New employees waiting for group coverage to begin
  • Individuals not yet eligible for Medicare coverage

How HCC Life STM Coverage Works

Policy benefits are subject to the deductible and coinsurance with the exception of visits to an urgent care center. The deductible is waived when you receive care at an urgent care center, and instead you pay a $50 copay, after which coinsurance applies. An urgent care center means a facility separate from a hospital emergency department where patients can be immediately treated for injury or sickness on a walk-in basis without an appointment.

major medical insurance explanation

Choice of Policy Options

Length of Coverage: up to 6 or 11 months. Purchase in full or make monthly payments

Deductible: amount you pay toward covered expenses before the policy pays benefits: $250, $500, $1,000, $2,500, $5,000, or $7,500A maximum of 3 deductibles is required per family

Coinsurance: Percentage of eligible expenses the policy pays after the deductible: 80% or 50% of the next $5,000 of eligible expenses

Coverage Period Maximum The maximum amount the policy pays $1 million or $2 million

HCC Life STM covers the following expenses:

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 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 Life STM does not cover:

HCC Life STM does not cover: pre-existing conditions* (including those not inquired about on the enrollment form); preventive or wellness doctor visits; dental or optical treatments; routine physical exams; normal pregnancy or childbirth; well child care; interscholastic and intercollegiate sports injuries; over-the-counter medications and outpatient prescription drugs; expenses incurred outside the United States, its possessions or territories, or Canada. The following conditions are also excluded: varicose veins, substance abuse and alcoholism, chronic fatigue or pain disorders, and allergies, except for emergency treatment of allergic reactions. Expenses during the first 6 months after the effective date are excluded for (subject to all other coverage provisions, including the pre-existing condition limitation): a. Total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma; b. Tonsillectomy; c. Adenoidectomy; d. Repair of deviated nasal septum or any type of surgery involving the sinus; e. Myringotomy; f. Tympanotomy; g. Herniorraphy; or h. Cholecystectomy. *Pre-existing conditions refers to conditions for which you received medical treatment, diagnosis, care, or advice within a specific number of months immediately preceding your effective date. The “pre-ex” period will vary depending on the state in which HCC Life STM is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.

Waiting Period When coverage is purchased within 3 days of the effective date, you will only be entitled to receive benefits for sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 72 hours following the effective date. This waiting period does not affect benefits for injuries.

This is a partial list of exclusions and limitations. Please see the certificate for detailed information about these and other policy exclusions and limitations. Benefits, provisions, limitations and exclusions may vary by state.

Medical Eligibility

Question 1: Will any applicant have other health insurance in force on the policy effective date or be eligible for Medicaid?

Question 2: Have/Are you, or any applicant:

 a. Been denied insurance due to any health reasons for a condition that is still present (Does not apply to residents of MO)? 

b. Now pregnant, in process of adoption or undergoing infertility treatment?

c. Over 300 pounds if male or over 250 pounds if female?

Question 3: Within the last 5 years has any applicant been diagnosed or treated by a physician or medical practitioner for Acquired Immune Deficiency Syndrome (AIDS) or tested positive for Human Immunodeficiency Virus (HIV)? Residents of WI do not need to disclose HIV test results.

 Question 4: Within the last 5 years has any applicant been diagnosed, treated, or taken medication for or experienced signs or symptoms of any of the following: cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, Crohn's disease, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder?

Question 5: If you are not a US Citizen, do you expect to legally reside in the US for the duration of the policy?

If you have answered "Yes" to questions 1 through 4 or "No" to question 5, coverage cannot be issued.

Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. Unmarried children under age 25 may also be included as a covered dependent if enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state.

Purchasing HCC Life STM

HCC Life STM is offered through a nationwide network of independent insurance agents contracted with HCC Medical Insurance Services. Click here to enroll online now. When you enroll online, your initial payment must be made by credit card (Visa, American Express, Discover or MasterCard). If your enrollment is by mail, you may use a personal check or credit card. Payment options include Single Up-front or Monthly payments. There is a small fee when choosing to pay monthly, and monthly premium payments are payable by credit card only.

Coverage Effective Date

For enrollment forms received online, by e-mail, or by fax, your coverage becomes effective at 12:01am* on the date following the date we receive your completed enrollment form provided payment has been received. For enrollment forms submitted by mail, your effective date is 12:01am* on the postmark date of your completed enrollment form or 12:01am* on the requested effective date, whichever is later, provided payment has been received. Your requested effective date must be within 45 days from the date you signed the enrollment form. *Times expressed are based on the geographical area where the certificate holder resides.

Free Look Period

If you are not 100% satisfied with HCC Life STM, return the certificate along with a written request for cancellation to HCC Life within 10 days of receipt. Coverage will be cancelled as of the effective date. No questions asked! After the 10 day free look, the premiums will not be refunded. The administrative fee is non-refundable.

Purchasing an Additional Policy

HCC Life STM is not renewable, but if your temporary insurance need continues beyond the coverage period purchased, you may apply for a new policy as long as you have not had more than two HCC Life STM policies during the past 12 months. Additional purchase may not be available in some states.

About the Insurer

HCC Life STM is underwritten and administered 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 an '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).

Consumer Benefits of America

In most states, HCC Life STM is available only to members of the Consumer Benefits of America Association (CBA). Membership in the association will entitle you to discounts of up to 40% off regular retail prices on many short-term and long-term prescription drugs. Discounts are available from over 59,000 participating pharmacy providers nationwide or by mail service. When membership is required, association fees are assessed at the time of application; enrollment in the association is automatic upon payment of the correct premium and all applicable fees. New members will receive details about membership benefits with their HCC Life STM insurance documents.


Coverage is available even if you have been previously denied for coverage, as long as the medical condition that caused the decline is no longer present. This is the only short term medical insurance available with a "previous decline".

Low cost; 11 month coverage option; easy online application; unlimited re-applications.


Each consecutive policy has a new deductible and new determination of pre-existing medical conditions.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.