Short Term Medical Insurance > MultiNational Underwriters > Amigo Medical

What is the Amigo Short Term Medical Plan?

The Amigo Short Term Medical Plan is a temporary health insurance program that understands the needs of recent graduates, the self-employed and many other individuals and families who lack adequate coverage. If you are in transition and without health insurance you need a friend that will respond if you have an injury or illness. With Amigo Medical, you can choose from a range of deductibles, select the exact length of coverage you require, and receive treatment from the doctors and hospitals of your choice. Amigo Medical frees you to pursue your dreams without the worry of facing high out-of-pocket expenses caused by a medical condition. Choose Amigo Medical today and embrace the future with a friend at your side.

Amigo Short Term Medical Plan is ideal for:

• Individuals transitioning between jobs
• College students or recent graduates
• Individuals looking for an affordable substitute for COBRA
• New employees waiting for their coverage to begin
• Individuals not yet eligible for Medicare coverage

Purchasing an Amigo Short Term Medical Plan
If you enroll online, your initial payment must be made by credit card (Visa, American Express, Discover or MasterCard). If your enrollment is by mail, you may use a personal check or credit card. The plan may be prepaid, or you may choose to pay monthly using a credit card for a small fee. The monthly billing option requires payment by credit card.

Amigo Short Term Medical Plan Eligibility
If you are age 18 through 64, you are eligible if you meet the following requirements:

• you are not pregnant or, if requesting dependent coverage, not an expectant father or planning on adopting;
• you are not covered under other medical insurance;
• 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 submit an application on which you may answer “no” to the medical questions.

Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. 

State Availability: AL, AR, AZ, DC, IA, IL, KY, LA, MI, MO, NC, NE, NV, OH, PA, RI, SC, TX, WI, WY, and now, CO, IN, MS, and VA.

Coverage Effective Date
Your coverage becomes effective at 12:01am* on the date following the date we receive your completed application and payment or 12:01am* on the date you request on your application, whichever is later. Your requested effective date must be within 30 days from the date you signed the application form.

*Times expressed are based on the geographical area where the certificate holder resides.

Free Look Period
If you are not 100% satisfied with Amigo Medical, return the certificate to HCC Life within 10 days of receipt with a written request for cancellation. 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.

Purchasing an Additional Plan
Amigo Medical is not renewable, but if your temporary insurance need continues beyond the coverage period purchased, you may apply for a new plan as long as you have not had more than two Amigo Short Term Medical Plans during the past 12 months. Additional purchase may not be available in some states.

Preexisting conditions are not covered by Amigo Medical. A preexisting condition is a condition for which you received medical treatment, diagnosis, care or advice within the 60 months immediately preceding the effective date of the plan. Any subsequent plan purchased is subject to the same provision; therefore, any condition or symptom prior to the effective date of the subsequent plan, even if covered on the preceding plan, will not be covered.