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eGlobalHealth Insurers Agency, LLC ®
Short-term temporary medical / health insurance
for individuals or families living in the United States
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
®
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417-882-1413
"I'll only be without coverage for a few months, what could happen?"
"I'm strong and healthy. I don't need insurance."
"It'll never happen to me."
These phrases are heard much too often and people are, unfortunately, going without health insurance. But, the unexpected happens every day. Someone falls down the stairs, gets injured in a car accident or develops a sudden illness. In a single moment, your world can change.
These unexpected illnesses or injuries can be startling, so can the doctor bills. That's why it's so important to have reliable, temporary health insurance that will cover the medical expenses when the unexpected occurs... that's why you need Short Term Medical Insurance from HCC Life STM temporary medical plans and HCC Life Insurance Company. We also provide alternative options from Health Plan Administrators (HPA, Inc.), backed by Standard Security Life Insurance.
Who is Short Term, Temporary Medical Insurance for ?
Short Term Medical Insurance is a temporary health plan designed for people who may be between jobs, layed off, in a job that doesn't offer health insurance benefits, need an alterative to expensive COBRA benefits, for students that are no longer covered under their parents health insurance or for those waiting for employer group health insurance coverage to begin. HCC Life Insurance STM plans are also used for those immigrants or inbound USA visitors that are in need of inexpensive visitor temporary health insurance.
We offer Short Term, Temporary Medical Insurance in the following 44 States + D.C.
Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (DC), Florida (FL), Hawaii (HI), Iowa (IA), Illinois (IL), Indiana (IN), Idaho (ID), Kentucky (KY), Louisiana (LA), Maine (ME), Michigan (MI), Mississippi (MS), Missouri (MO), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)
***NOT available in MA, MN, NJ, NY, VT
Short-term Temporary Medical Insurance plans below offered exclusively by reputable U.S. insurers that are A rated
The CLEAR Advantages of the HCC Life STM Insurance temporary medical insurance plans over the competition?
- HCC Life is an A+ rated US insurer (others are A- or less). Financial strength is KEY !
- Available in 44 States + D.C.
- Available in the following States:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, HI, ID, IL, IN, IA, KY, LA, ME, MI, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI & WY
- Product & Support Available in both English & Spanish + Bilingual LIve Chat!
- No SSN required; No minimum residency requirements
- $2 Million coverage limits lifetime
- Urgent care visit copays ($50, deductible waived) -- NO ONE else offers this !!
- CoInsurance is based on $5,000 max after deductible (others are $10,000)
- Utilizing CMN Network, may reduce out of pocket maximum, but...
- No out-of-network penalties; freedom to choose doctor or hospital of your choice
- Fast, Accurate, Easy Online quoting, application and purchase 24/7
- Same day online fulfillment of certificates and ID cards
- Coverage periods from 30 days to 11 months; UNLIMITED re-applications available
- Immediate protection - can start as early as "next day"
HCC Life STM (Short term medical insurance) is an effective solution for individuals temporarily lacking healthcare coverage.
HCC Life STM is Appropriate For:
Recent college graduates
- Many college students are faced with the situation of being uninsured once they graduate. If they were insured under a family plan with their parents or under a university plan, they are no longer eligible for those plans and may have a gap in coverage until benefits begin with their first professional job.
Individuals between jobs
- Whether an individual is laid off or simply quits their job, they leave behind their medical benefits. While they may choose to extend that coverage through COBRA, many find COBRA to be too expensive, especially without the income they once had. HCC Life STM is an affordable COBRA alternative.
New employees waiting on benefits to begin
- Even if an employee goes straight from one employer to another, they may face a waiting period for the employer-sponsored coverage to begin, causing a gap in coverage.
Young adults no longer covered under parents’ plan
- Each state’s law mandates the maximum age at which a dependent child may continue to be covered under their parents’ plan. Some states allow them to stay on longer if they are enrolled as a full-time student. However, at one point or another, dependent children will become ineligible under their parents' plans.
Retired individuals (under 65) waiting on Medicare to begin
- Individuals who retire before the age of 65 may be faced with a gap in coverage before they become eligible for Medicare.
- We have the solution: The Bridge Plan Part B supplement medical insurance plan. No underwriting required. Guaranteed acceptance.
Accident / Sickness / Emergency
Layoffs, Job Change, Students, Alternative to COBRA
US Citizens, Green Card, H Visas Residents of US >1yr
Coverage of 1 month - 3 years
Renewable options / RX cards
Short term trips
Renewable up to 2-3 yrs
Individual / Family / Groups
International Coverage
Illness / Accident / Emergency
Coverage $50k to $2 Million
Coverage in US & Abroad
Comprehensive / Basic Plans
All ages / Citizenships
Renewable / Flexible Benefits
Purchase before or during trip
For US Residents traveling abroad, short term coverage for complications of pregnancy
ONLY plan of it's kind !
For immigrants, US residents or citizens ineligible for Medicare or have missed Deadlines
Aged 60-84 rates
Any combination of Part A or B or both Part A&B Coverage
Monthly or Annual premiums
J & F Visa Compliant
Meets University Reqs
US or non-US Citizens
Individual / Family Coverages
Coverage in all States
All Ages
Maternity Coverage
Long Term coverage to 5 yrs
Satisfy Consulate Requirements
France/ EU Compliant Coverage
Ilness / Accident / Emergency
Emergency Evacuation/ Hospitalization/ Repatriation
