How HCC Medical Coverage Works

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 copay, 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. 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

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 three 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
After you satisfy your deductible, HCC 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.

HCC Medical covers the following expenses:

HCC Medical does not cover:

Expenses during the first 6 months after the effective date for (subject to all other coverage provisions, including the pre-existing condition limitation):

Pre-existing Conditions
HCC 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 is mandated by each state and will vary depending on the state in which HCC Medical is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.

Waiting Period
When coverage is purchased within three days of the effective date, you will only be entitled to receive benefits for sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 72 hours following the effective date. This waiting period does not affect benefits for injuries.

This is a partial list of exclusions and limitations. Please see the Certificate of Insurance for detailed information about these and other plan exclusions and limitations. Benefits, provisions, limitations, and exclusions may vary by state.

Purchasing HCC Medical
When 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. Payment options include single up-front or monthly payments. There is a small fee when choosing to pay monthly, and monthly premium payments are payable by credit card only.

HCC Medical Eligibility

You are eligible to apply for HCC Medical if you are between the ages of 2 through 64 and you meet the following requirements:

Coverage 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.

Free Look Period
If you are not 100% satisfied with HCC Medical, return the certificate to HCC Life within 10 days of receipt with a written request for cancellation. Coverage will be canceled 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
HCC 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 HCC Short Term Medical Plans during the past 12 months. Additional purchase may not be available in some states.

HCC 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 HCC Medical is purchased. 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.

Consumer Benefits of America
The HCC Short Term Medical Plan is available only to members of the Consumer Benefits of America Association. Membership in the association will entitle you to discounts of up to 40% off regular retail prices on most short-term and long-term prescription drugs. Discounts are available from over 63,000 participating pharmacy providers nationwide or by mail service. If you are not already a member, enrollment in the association is easy. Details about this membership benefit accompany your HCC Medical insurance documents.

David L. Gillen #657334
Licensed in OH, TX, IN, NC, SC, MS, AZ, PA