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HCC Life "Short-Term Medical" (STM)

Short-term temporary health insurance for individuals living in the U. S.


This plan, "Short-Term Medical" (STM), offerred through HCC Life Insurance Company (HCC LIfe), is an appropriate solution for individuals -- both U. S. citizens and non-U.S. citizens living in the U.S.-- in need of temporary medical coverage. Short-term medical insurance plan protects against unforeseen accidents and sicknesses, available to:


    • -U.S. citizens living abroad who return to America for short-term home visits,
    • -Newly arrivals/immigrants in the U.S.
    • -Students,
    • -Individuals between jobs,
    • -New employees waiting for coverage to begin, or
    • -Any eligible person who is temporarily without health insurance coverage.


With HCC Life STM, you can choose from a wide range of deductibles, select the exact length of coverage required -- ranging from a few days to a 6-month policy 11-month policy, depending on the State where you reside -- and receive treatment from the doctors and hospitals of your choice. HCC Life STM provides coverage for Inpatient and Outpatient charges, including Inpetient prescription drugs, as well as charges for emergency local ambulance and expenses related to Mental and Nervous Disorders. The available Coverage Period Maximum options are $1 million and $2 million.


To find a specific STM plan for the State of your choice, click Get Quote & Review Coverage.


To download the STM package of the State of Caliifornia including Brochure, Rate Sheet, Application and Certificate of Insurance as a sample, click the links below.

Brochure | Rate Sheet | Application | CA Certificate of Insurance

Hospitals. Medical Centers. Clinics. Doctors.


How to Find a Hospital, Medical Center, Clinic or Doctor?


U.S. Network & International Network

HCCMIS maintains relationships with hospitals and doctors throughout the world. Many of your provider selection decisions will be based on geographical location and provider specialties. Outside of the US, please contact us or visit Client Zone if you need assistance locating a medical provider. Within the US, selecting a provider from one of the networks listed below may reduce your out-of-pocket expenses. You may search for participating providers by clicking on the logo below that corresponds to the one on your ID Card.


1) U.S. Provider Network

The CMN network is for major medical, foreign travel and other expatriate benefit plans offering service at Centers of Excellence with over 400,000 physicians. The CMN network offers nationwide coverage across the U.S. with concentrations in metropolitan and urban cities, traditional travel states, and many rural areas. To search for providers participating in our network, please visit: Provider Search Engine. (See Note 1 below for direct billing arrangements.)

2) International Network

For your convenience, The CMN/EA International Provider Network spans approximately 200 countries and territories worldwide with over 2,000 hospitals and clinics and over 6,000 physicians. To search for providers participating in our network, please visit: International Provider Search Engine. (See Note 1 below for direct billing arrangements.)


Medical Evacuation

HCC Medical Insurance Services arranges for medically necessary evacuations through various service providers throughout the world. Call (800) 605-2282 within the US, or call collect from outside the US at +1-317-262-2132 and indicate that you have a medical emergency.



Note 1:

Prior to seeking treatment, we recommend that members call into HCCMIS at 1-800-605-2282 or 1-317-262-2132. A designated member of the Case Management team will coordinate all healthcare services and work with the healthcare provider to ensure that direct billing arrangements are in place. Please note that although a provider appears on this list, it does not necessarily mean that direct billing can be arranged. It is advised that you call HCCMIS prior to seeking treatment.

Every effort has been taken to ensure the accuracy of the information, however new information is received on a frequent basis and all changes may not be included in the results. Equian reserves the right, without notice, to update the information within this International Provider Network.