Med-Sense Guaranteed Association. MSGA Underwritten by Companion Life Insurance Company. Health Insuance Innovations. HCC Medical Insurance Services A guy named Tony sold me major medical insurance and told me it would cover 80/20 and he understood that all I needed was major medical. They charged me from 7/1/2014 until 3/1/2015 and whenIdid go to the doctor in Feb. of 2015 I found out that what theysold me was secondary insurance thst Ican not use because I dont have primary insurance which is what they told me I was purchasing. Internet