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short-term health

According to the U.S. Census Bureau the number of individuals without health insurance continues to skyrocket. In 1998 alone, the number of uninsured Americans rose to 44.3 million! This staggering data reveals that almost 50% of the nation's low wage workers are without much needed health insurance.

Each month, individuals and families lose corporate sponsored health insurance, resulting from an unexpected job loss as more companies continue the trend to downsize.

This scenario leaves the uninsured and his/her family faced with the prospect of paying the expensive premiums required for continuation. State representatives and insurance regulators now realize the special need that is fulfilled by Short Term health insurance. Legislation and regulations have been enacted that make this type of product an affordable and beneficial alternative for the consumer.

HPA's Plans

Short Term and Flex Term Medical plans offer comprehensive major medical coverage, with no prerequisite to join an HMO or PPO as most major medical coverage dictates. Freedom of choice of any doctor or hospital, flexible payment, deductible and coinsurance options and competitive premium rates add to the attractiveness of HPA's Competitor Series. Simplified underwriting, instant effective dates and no waiting periods are additional benefits included.

Since 1988, HPA has specialized in developing and administering domestic and international Short Term Medical products. HPA's Flex Term Medical is a comprehensive health insurance product that provides affordable health coverage for both the growing number of people in non-traditional jobs, including temporary and contingent workers less likely to receive health insurance from their employers, as well as people in career transition.

Flex Term Medical provides both individual and family coverage for up to three years and costs significantly less than traditional major medical insurance. HPA's plans offer quick and easy enrollment with simplified underwriting, instant approval and 48- hour policy issuance upon receipt of payment. HPA partners include several "A" and "A++" rated A.M. Best carriers to underwrite and distribute products.

HPA's Short Term and Flex Term Medical plans are perfect for:

Self-employed professionals
College students
Recent graduates searching for a job
New employee waiting periods
Individuals looking for an alternative to COBRA
Employees working for employers providing no health benefits
Small business owners
Independent contractor

1-800-731-1320

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