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The HCC Short Term Medical Plan provides affordable temporary health insurance to protect you and your family. You should consider purchasing Amigo Medical if you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected accident, illness or injury.

With HCC Short Term Medical 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. Amigo gives you peace of mind by relieving some of your financial worry in the event of an unexpected medical condition. The Amigo plan is also available to non-US citizens legally residing in the US.

HCC Short Term Medical is appropriate for:

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

Plan benefits are subject to the deductible and coinsurance with the exception of visits to an urgent care center. The deductible is waived when you receive care at an urgent care center, and instead you pay a $50 co-pay, after which coinsurance applies. An urgent care center means a facility separate from a hospital emergency department where patients can be immediately treated for injury or sickness on a walk-in basis without an appointment.

After you satisfy your deductible, Amigo Medical will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum that you choose. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.

• Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
• Charges incurred at an urgent care center after a $50 copay (the plan deductible is waived)
• 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

HCC Short Term  Medical is insured by HCC Life Insurance Company, which has been an industry leader in medical stop loss and excess lines coverage for more than 30 years. HCC Life, an Indiana domiciled insurer, has offices in Atlanta, Boston, Dallas, Indianapolis & Minneapolis and writes over $750 million dollars in premium annually. HCC Life Insurance Company is rated an 'A+' (Superior) for financial strength by A.M. Best Company ratings services. All of HCC Life products are backed by the financial stability of our parent company, HCC Insurance Holdings, Inc. (NYSE: HCC).

HCC Life HealthCare Options, a division of HCC Life Insurance Company, offers Amigo Medical. Headquartered in Indianapolis, Indiana, HCC Life HealthCare Options has a team of claims specialists, medical professionals and service representatives available 24 hours a day, 7 days a week to answer your questions and respond to your needs promptly and compassionately.