THE BEST SHORT TERM MEDICAL GETS BETTER

Great news! Check out the new HCC Life STM. This plan offers $2,000,000 sickness and accident benefit.

Freedom to choose any doctor, and a $50 Urgent Care Co-Pay (not subject to deductible).

Now with no decline question!

It has 6 deductibles & 2 co-insurance options, no Citizenship requirements (Spanish Brochure Available), a monthly or lump-sum payment mode and 1 - 12 months of coverage (6 months max. in certain states). 

Underwritten by HCC Life Insurance Company. rated A+ (Superior) by A.M. Best

No Decline Question

This plan is now without the decline question.  New applications are being filed with the various states.  Effective July 1, 2009 the "decline"question on the AMIGO Short Term Medical Plan can now be answered "YES" and coverage will STILL be issued until new applications are approved.

 The questions as it appears on the application is:
  " 2.  Have/Are you, or any applicant: 
          a.  Been denied insurance due to any health reasons for a condition that is still present (does not
               apply to residents of MO)?" 

As this is a three part question (the last two parts are not shown above), please advise your client to expect a call from an underwriter for HHC Life to verify that he or she is answering yes only to part "a" of this question.  This is important as the policy cannot be issued without this information!

New applications without this question are being filled for approval but until new forms are available, simply use our current forms knowing that a "yes" answer to question 2.a.will NOT disqualify your client.  Online applications will be changed soon.

Click here to download the HCC Life STM Brochure
Click here to download the HCC Life STM Spanish Brochure
Click here to download theHCC Life STM 2011 Rates
Click here to downoad the HCC Life STM 2011 Rates for GA-KS-ME-NH-SD-WA