A review of HCC Health Insurance Company finds HCC Life Insurance Company, domiciled in Indiana. HCC Life Insurance Company is a division of HCC Insurance Holdings, Inc., a specialty insurance group with operations in the United States, United Kingdom, Ireland, and Spain.
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HCC Insurance Holdings underwrites insurance policies for property & casualty, as well as surety & credit, in the U.S. The company also covers professional liability, accident & health, and international insurance in all four countries. This review will focus on HCC Life Insurance Company, a provider of group life, accident, and health insurance policies.
HCC Life Insurance Company Contact Information
Although the company is domiciled in Indiana, it is headquartered in Georgia and can be found at:
225 TownPark Drive, Suite 145
Kennesaw, Georgia 30144
Toll-free: 1-800-447-0460
That Georgia location is also the mailing address for its Southeast Region office. HCC Life Insurance Company has additional regional offices at:
16415 Addison Road, Suite 700
Addison, Texas 75001
Toll-free: 1-888-941-9532
401 Edgewater Place, Suite 400
Wakefield, Massachusetts 01880
Toll-free: 1-800-676-1771
11100 Wayzata Blvd., Suite 350
Minnetonka, Minnesota 55305
Toll-free: 1-877-843-5743
8925 East Pima Center Parkway, Suite 215
Scottsdale, Arizona 85258
Toll-free: 1-877-446-9042
HCC Life Insurance Company Products
HCC Life Insurance Company provides medical stop loss, healthcare risk management, group term life, and short-term and international medical insurance. The company’s medical stop loss coverage, which is also known as excess loss coverage, is available to businesses with 50 or more employees, as well as trade unions. While these two types of customers differ along legal and employee benefit provisions, the medical stop loss policies cover employers who self-fund their health benefit plans. Medical stop loss insurance protects these employers in the event of a major catastrophic claim.
HCC’s group term life coverage is given to individuals as part of their employer’s benefits package, and cannot be purchased directly from the company by the individual. This comprehensive live insurance plan consists of a basic employee and basic dependent life insurance, as well as a basic employee accidental death & dismemberment policy. The AD&D part of the plan is not available to dependents.
The company’s life insurance package is only available to businesses with more than 20 employees. Employers can choose the benefits to be a multiple of an employee’s salary, a flat amount, or a combination of both. The basic dependent plan features three benefit schedules to choose from, and covers dependents including spouses and children ages two weeks through 18 years-old. Children who are full-time students are covered until the age of 24.
The HCC Life Insurance Company also provides reinsurance to HMOs, protecting them from catastrophic claim losses, similarly to the company’s medical stop loss coverage. Company underwriters help companies manage their risk, focusing on cost containment and efficient care. HCC Life Insurance positions itself as the risk taker, handling the claims and payments.
Lastly, HCC Life Insurance offers short-term and international medical coverage through its sister company, HCC Medical Insurance Services. Different policies are available for individuals, groups, and business people traveling internationally, to protect them in case of an accident or other emergency medical event away from their home country. HCC Medical Insurance Services also features medical insurance coverage for students studying abroad, citizens living or working in other countries, and groups with volunteers working or living abroad as well.
The company’s short-term medical insurance is available in all states except for:
- Minnesota
- New Jersey
- New York
- Maryland
- Massachusetts
- Vermont
The plan offers up to six or 11 months of medical coverage for those temporarily uninsured, such as recent college graduates looking for their first job, people moving between two jobs, new employees waiting for their employer’s benefits to kick in, and people looking for an alternative to COBRA coverage.
HCC Life Insurance Company Careers
If you are looking for a job with HCC Life Insurance Company, you need to go to the website of its corporate parent, HCC Insurance Holdings, and click on the “Careers” link. HCC has many available job openings, posted through the CareerBuilder website. These range from:
- Specialized claims assistant
- Insurance compliance specialist
- Underwriter positions
- Programmer/developer
- Accounts payable
- Senior staffing specialist position
For more career information, you may email the company directly.
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