SHORT TERM COVERAGE
Do you need coverage for less than a year ,maybe something for only a few months?Short term might be a great choice for you.
Short Term Major Medical Insurance
$2 Million Lifetime Maximum Per Covered Person
Just because you don't have health insurance right now doesn't mean you may not have health problems. The Secure STM allows you and your family up to age 65 to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.
The Perfect Solution...
- Between health insurance plans
- College student or just graduating
- Need a COBRA alternative
- Part-time or temporary employee
- Unemployed or laid off
Special Features...
- $2 Million Lifetime Maximum Per Covered Person
- Freedom to choose any doctor or hospital
- Unlimited re-applies
- Convenient payment options
- Pay monthly up to 6 or 12 months of coverage
- Single payment discount for 30-180 days
Who needs this type of coverage?
Short Term Medical Insurance is an ideal, affordable type of medical insurance for those who are: unemployed, self-employed, in between jobs, recent college graduates, in need of an alternative to COBRA. You will see that this coverage provides many special and unique coverage features while maintaining a very competitive premium structure.
Who qualifies for STM?
STM is offered to members and their spouses under age 65 and their dependent children under age 19 (or under age 25 if a full-time student) who can answer 'No' to the health questions on the application. Children age 19 and over should apply separately. Child only coverage is available for ages 2 through 18.
When does my coverage start?
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy. All coverage is subject to approval of your application and payment of the first premium.
How are benefits covered?
STM pays benefits for each covered person in the following manner:
- First, you meet your deductible. Choose from five options: $250, $500, $1,000, $2,500, or $5,000
- Then STM pays 80% or 50% of the next $5,000 or $10,000* of covered expenses
- After this, STM pays 100% of covered expenses up to your lifetime maximum of $2 million*
*Certain conditions have limited maximum benefits
What is a Family Deductible?
With a family deductible benefit your insured family is only required to satisfy a maximum of three (3) deductibles during the coverage period.
Do I have the option to select my doctors, hospitals, and medical providers?
Yes. You have the freedom to select the doctors and hospitals of your choice. This plan is not an HMO or PPO.
How long will STM coverage last?
STM is specifically designed to fill temporary insurance needs and coverage stops at the end of the period applied for. Depending on the payment option you select, STM offers coverage from 30 days up to 6 months or even 12 months.*
*The 12 month Coverage Option is not available in all states.
Can I continue coverage?
If your need for temporary health insurance continues, you may apply for another STM plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not continuous and any condition incurred during the last coverage period will be excluded as a pre-existing condition.
What medical expenses are covered?
After satisfying the deductible amount you've selected, STM will pay the coinsurance you selected for covered expenses, up to a lifetime maximum of $2 million per insured person per Coverage Period.*
Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.
Hospital Charges: Average semi-private room rate, medical care and treatment
Outpatient Hospital or Ambulatory Surgical Center charges
Physician Services for treatment and diagnosis
Surgeon Services in the hospital or Ambulatory Surgical Center
Assistant Surgeon Services: Up to 20% of the surgeons benefits
Anesthesia Services: Up to 20% of the surgeons benefits
Intensive Care: Up to three times the average semi-private room rate
X-Ray Exams, Laboratory tests and analysis
X-Ray and Radioactive isotope therapy, anesthesia, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical supplies
Blood or blood derivatives and their administration
Ambulance Services: $250 per emergency
Organ Transplants: $150,000 lifetime maximum
FOR YOUR FREE QUOTE CALL
1-888-333-9815