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Short Term Insurance
Benefits • Exclusions • Apply Online
How Amigo 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.
| 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 |
Amigo Medical covers the following expenses:
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
- 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
Amigo Medical 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 under 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; and
- 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.
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 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.
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. 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.
About the Insurer
Amigo 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.
Consumer Benefits of America
The Amigo 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 Amigo Medical insurance documents.
Learn more about the Short Term Insurance plan:
