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HCC Life Short Term Medical (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 sickness or injury.

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

HCC Life STM Eligibility
You are eligible to apply for HCC Life STM if you are age 2 through 64 and you meet the following requirements:
• you are not pregnant, an expectant father, or planning on adopting;
• you will not be covered by other medical insurance at time of requested effective date;
• you are not a member of the armed forces of any country, state or international organization, other than
on reserve duty for 30 days or less; and
• you are able to answer “no” to the medical questions on the enrollment form

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. In order to
receive coverage, applicant may be required to enroll in the Consumer Benefits of America Association.

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.

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.

*Policies over 6 months not available in all states