Short-Term Medical Complete: Why Choose STM Complete?
- TRANSITIONING BETWEEN JOBS
- NEW EMPLOYEES
- WAITING FOR MEDICARE COVERAGE
- RECENT GRADUATES
STM Complete is ideal for:
- Individuals between jobs
- New hires
- Early retirees
- Recently naturalized citizens
- Recent college graduates
- Individuals between Open Enrollment periods for marketplace plans
- Those in the waiting period after purchasing a marketplace plan
With STM Complete you are in control. You have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties.
Free Look Period
If you are not %100 satisfied with STM Complete, send a request for cancellation to orders@hccmis.com within 10 days of receipt. Coverage will be cancelled as the effective date and your premium will be returned. No questions asked! HCC Life Insurance Company, respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us or visit our website to obtain a full version of our Privacy Policy.Eligibility and Enrollment for STM Complete
| Length of Coverage | Up to 6 or 11 months depending on state requirements. Purchase in full or make monthly payments. |
| Deductibles | $,500, $1000, $2500, $5000 or $7500. A maximum of 3 deductibles is required per family. |
| Coinsurance | 80% or 50% of the next $5000 of elegible medical expenses |
| Coverage Period Maximum | $2 million |
How STM Complete Works
Most eligible expenses are subject to deductible and coinsurance. After your chosen deductible is satisfied, STM Complete will begin paying according to the coinsurance you select and up to the coverage period maximum for all eligible medical expenses. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.STM Complete Covers
- Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
- Charges incurred at an urgent care center after a $50 co-pay
- Eligible charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
- Charges made for dressing, 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
- 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 a covered 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
STM Complete Exclusions
- STM Complete does not meet the minimum essential requirements of the Affordable Care Act. You may be subject to tax penalty if you do not have a qualifying health plan
- Expenses related to pre-existing conditions are not covered under STM Complete
- Wellness visits and immunizations are not included
- For most states, illnesses within the first 72 hours of the policy effective date are not covered