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Short Term Medical Insurance > HCC Medical Insurance Services > Benefits


How HCC Life STM Plan Coverage Works

All benefits are subject to the deductible and coinsurance, except urgent care center expenses are subject to co-payment and coinsurance. Limits apply to all benefits. Please see the certificate for a complete listing of benefits, limits, and exclusions.


You pay the deductible
 

Coinsurance
80/20

You pay 20% of the next $5,000 of eligible expenses


OR

Coinsurance
50/50

You pay 50% of the next $5,000 of eligible expenses		  
We pay 100% of remaining eligible expenses
up to the coverage period maximum

 

Choice of Plan Options
Length of Coverage

6 month plan or 12 month plan
Purchase in full or make monthly payments

Deductible
Amount you pay toward covered expenses
before the plan pays benefits
$250, $500, $1,000, $2,500, $5,000, or $7,500
A maximum of 3 deductibles is required per family

Coinsurance
Percentage of eligible expenses the plan
pays after the deductible
80% or 50%

Coverage Period Maximum
The maximum amount the plan pays
$1 million or $2 million

The Amigo Short Term Medical Plan covers the following expenses:

After the deductible amount you selected has been met, the plan will pay eligible expenses according to the coinsurance selected up to the maximum of your certificate, per covered person, per coverage period. Benefits are based on usual and customary charges of the geographical area in which the charges are incurred.

  • Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
  • Charges incurred at an urgent care center (except for co-payment)
  • Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
  • Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
  • Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
  • Charges for oxygen and other gases and anesthetics and their administration
  • Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
  • Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
  • Expenses related to complications of pregnancy
  • Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness

MultiNational Underwriters  HCC Life Insurance Company

 

 

 

 

 

 

 

 

 

 

 

 

 
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