for individuals or families living in the United States
Short term medical insurance plans
underwritten by
HCC Life Insurance & Standard Security Life Insurance
AL, AK, AR, AZ,CO, DC, DE, FL, HI, IA, IL, IN, KY, LA, MI, MO, MS, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, TX, VA, WI, WV, WY
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 Amigo temporary medical plans and HCC 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. Amigo plans are also used for those immigrants or inbound USA visitors that are in need of inexpensive visitor temporary health insurance.
The CLEAR Advantages of the Amigo temporary medical insurance plans ?
Secure STM - (Standard Security Life Insurance Company of New York - Rated A (Excellent) Short Term Medical coverage from 6 to 12* months of coverage.Eligibility up to age 65.
Approved in 45 States and D.C. - must be resident of approved state
Rated A (excellent) carrier
For additional coverage on prescription drug costs for pre-existing medical conditions, please also review the Competitor RX-Pay Card offered by Rx Options
Amigo - (HCC Life Insurance Company) - Rated A+ (Superior -- by AM Best) Short Term Medical coverage from 6 OR 12 months of coverage. Purchase in full or make monthly payments.
Available in the following States:
AL, AK, AR, AZ,CO, DC, DE, FL, HI, IA, IL, IN, KY, LA, MI, MO, MS, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, TX, VA, WI, WV, WY
Amigo plan features include:
o Flexible deductibles
o Fast, secure, easy online applications
o Choice of payment options
o Available in daily increments
o Competitive rates
o Immediate coverage available
o Choice of co-insurance options
o Coverage periods up to 12 months
$1 or 2 million of coverage limits. Available to those aged 18 through 64 and dependants under age 65 or under 18.
For additional coverage on prescription drug costs for pre-existing medical conditions, please also review the Competitor RX-Pay Card offered by Rx Options
Available regardless of citizenship or residency. This is US coverage only.
No residency restrictions, so long as you are living in an approved State. Available to all legal visitors on visa status, perm residency status, etc.
STM plans are available in about 45 of the following US States:
Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Northern Marianas Islands, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Virgin Islands, Washington, West Virginia, Wisconsin, Wyoming
Secure STM Lite- (Standard Security Life Insurance Company of New York - Rated A (Excellent) Short Term Medical coverage from 6 to 12* months of coverage.Eligibility up to age 65.
Approved in 45 States and D.C. - must be resident of approved state
Rated A (excellent) carrier
For additional coverage on prescription drug costs for pre-existing medical conditions, please also review the Competitor RX-Pay Card offered by Rx Options
Secure 12x3 STM- (Standard Security Life Insurance Company of New York - Rated A (Excellent) Short Term Medical coverage that can be applied for three consecutive 12 month coverage periods (3 years total).Eligibility up to age 65.
STM is offered to members and their spouses under age 65 and their dependent children under age 19 (or under age 25 if a full-time student) who can answer 'No' to the health questions on the application. Children age 19 and over should apply separately. Child only coverage is available for ages 2 through 18.
When does my coverage start?
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy. All coverage is subject to approval of your application and payment of the first premium.
How are benefits covered?
STM pays benefits for each covered person in the following manner:
First, you meet your deductible. Choose from five options: $250, $500, $1,000, $2,500, or $5,000
Then STM pays 80% or 50% of the next $5,000 or $10,000* of covered expenses
After this, STM pays 100% of covered expenses up to your lifetime maximum of $2 million*
*Certain conditions have limited maximum benefits also depending on the plan type choosen
