Amigo Short Term Medical Plan, HCC Life Insurance administered STM insurance for unexpected medical condition

Plan Summary

The Amigo Short Term Medical Plan provides affordable temporary health insurance to protect you and your family. If you are in transition and without health insurance you need a friend that you can rely on to pay the costs associated with an accident or injury.

Policy Maximum	Amigo Short Term Medical Plan pays maximums of $1 million or $2 million.
Deductible	$250, $500, $1,000, $2,500, $5,000, or $7,500. A maximum of 3 deductibles is required per family.
Eligibility	- Amigo Short Term Medical Plan is offered to members aged 2 through 64 .	- Spouse under age 65 and dependents under age 19 are also eligible for coverage. And unmarried children under the age of 25 may also be included as a covered dependent if enrolled full-time in an accredited school or college.
Co-insurance	80% or 50% of the next $5,000 of eligible expenses.
Pre-Existing Condition Definition	- Amigo Medical excludes coverage for pre-existing conditions. Pre-existing refers to conditions for which you received medical treatment, diagnosis, care, or advice within a specific number of months immediately preceding your effective date. The pre-ex period will vary depending on the state in which Amigo Medical is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case	- Diagnostic testing using radiology, ultrasonographic or laboratory services - Hospital emergency ambulance - Prescription Drugs
Coverage Period	Up to 6 or 12 months. Purchase in full or make monthly payments
Buy - Online	Apply & purchase online Amigo Short Term Medical Plan
Brochure	Complete, mail/fax the Amigo Short Term Medical Plan Brochure along with payment

Amigo Short Term Medical Plan Benefits

Eligibility

You are eligible to apply for Amigo Medical if you are aged 2 through 64, and you meet the following requirements:

you are not pregnant or, if requesting dependent coverage, not an expectant father or planning on adopting
you will not be covered by other medical insurance at time of requested effective date
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
you are able to answer "no" to the medical questions on the application

Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. Unmarried children under the age of 25 may also be included as a covered dependent if enrolled full-time in an accredited school or college.

Length of Coverage

Up to 6 or 12 months Purchase in full or make monthly payments

Effective Date

For applications received online, by e-mail, or by fax, your coverage becomes effective at 12:01am* on the date following the date we receive your completed application provided payment has been received. For applications submitted by mail, your effective date is 12:01am* on the postmark date of your completed application or 12:01am* on the requested effective date, whichever is later, provided payment has been received. Your requested effective date must be within 45 days from the date you signed the application form.

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

Plan Benefits

Choice of Plan Options
Length of Coverage	Up to 6 or 12 months 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% of the next $5,000 of eligible expenses
Coverage Period Maximum (The maximum amount the plan pays)	$1 million or $2 million

Pre-existing Conditions

Amigo Medical excludes coverage for pre-existing conditions. Pre-existing refers to conditions for which you received medical treatment, diagnosis, care, or advice within a specific number of months immediately preceding your effective date. The pre-ex period will vary depending on the state in which Amigo Medical is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.