Are you in-between employment and need health insurance for a specific period of time? Did you miss the Affordable Care Act Open Enrollment Period, but you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected illness or injury? Are you simply in need of an affordable health insurance option for a brief period? Then Short Term is the coverage you are looking for.
With HCC Life Short Term Medical 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 without incurring out-of-network penalties. Other unique features of the short-term major medical are as follows:
- Up to a $2 million lifetime benefit
- Urgent care co-pay of $50.00 then 80/20 coinsurance not subject to deductible
- Nationwide network of doctors and hospitals through Care Management Network (CMN)
- Indemnity style plan where the member is not penalized for using non-network providers
- A discount prescription drug card
*Though Short Term is a great option for many who need health insurance coverage for a specified period of time, it is important to note that Short Term Major Medical is not Affordable Care Act compliant health insurance coverage. This means it does not meet the 10 essential benefits as mandated by the ACA. This also means that individuals and families with Short Term coverage may be subject to the ACA penalty (tax), depending on the duration of that coverage.
To find out if this is the right coverage for you please call us today! 303.466.5500.
You can also complete the short application for coverage HERE.