Major Medical Insurance by,
 
   Access Healthcare Savings  a better way!

 
                                                                                                       About Us

Short Term
Major Medical Insurance

Approval In 10 Minutes
 "Choose Any Doctor"

Pick A Health Insurance Plan! 

Get A Major Medical
Health Insurance Quote!


 These Plans 
 Are Very
 Affordable!

  >> Short Term Medical-To 1Yr 

   >> Overseas Travel Medical  
  
   >>
Rx Card 
                          
  
>> Dental Plan 
                      

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Short Term Medical-To 3Yrs

                      
 
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"
Permanent
"
Comprehensive
Coverage For Individuals and Families


Instant Quotes

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   Apply Online Here!
   Direct Company Enrollment

 



AZ, CA, CO, CT, IL, MI, NC, OH, TN, TX, VA, DC,
DE, FL, GA, MO, MS, NV, SC



CO,  CT,  IN,  KY, 
 NV,  OH,  WI



Available In All States Except 
HI, AK, WY, WA



CA




AL,  AR,  AZ,  CO,  CT,  DE,  FL,  GA, 
 IA,  IL,  IN,   KS,   KY,  MD,  MI,  MS, 
NC,  NE,  OH,  OK,  PA,  SC, 
 TN,  TX,  VA,  WI 


 
AL, AR, AZ, CO, FL, GA,
 IL, IN, IA, KS, KY, LA, MI, MS, MO,
NE, NV, NC, OH, OK,  SC,  TN, 
TX,  UT,  VA, WI

 


Time Insurance
Available In All States Except 
HI, AK, WY, WA




AR,  IL,  IN,  MI,  TX,  VA

  




Parent Company Of:
Golden Rule,  PacifiCare

  
 

    
 
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                    ... and Save On Today’s High Cost Of Health Insurance!


      Offering 30 years of faithful service to our life and health insurance clientele!

 

Health Insurance, "Short Term" Major Medical
Health Insurance
for all your Major Medical Needs!

Healthcare Savings Insurance for Doctors, Hospitals, Long Term Care,
Rx-Drugs, Dental, Hearing, Vision, Chiropractic, 24-Hour Nurse and More


    
Available to Individuals, Families and Businesses!
 

                           




 

 

Health Insurance Overview
Secure STM health insurance allows you and your family to purchase quality, affordable major medical health insurance coverage on a temporary basis.  Coverage is provided for physician services, surgery, outpatient and inpatient care and prescription drugs.

The Perfect Solution For Those:

 
Between health insurance plans...
 
A Cobra Health Insurance Alternative! >>

  In a waiting period before other coverage becomes effective

  Recent student and college graduates
 
These are the health insurance plans that most colleges and universities endorse! >>

  Part-time and temporarily employed

  Unemployed or laid off

Convenient  Features:

  Short Term Major Medical Coverage for 1– 6 or 12 months

  Single payment discount for 30-180 days

  Unlimited re-applies

  Freedom to choose any doctor or hospital

  $2,000,000 lifetime maximum per covered person
Your health insurance can be effective as early as 12:01 a.m. the next day after the transmission date.

Included with your coverage is Communicating for America (CFA) STM Enhancements Series * which provides members with discounts.   
See our enhancement brochure >>

Eligibility:
Secure STM is offered to members, their spouses and their dependent children under age 19 (or under age 25 if a full-time student) who have a social security number and 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.

Child Only Coverage:
When applying for coverage ONLY on the child(ren), the minimum age is 2 years old. The 2-19 premium rate (male or female, based on the gender of the child applicant) for the youngest child is used; then the per child rate for each of the other siblings to be insured on the plan. Please enter the youngest child as the applicant, and all other child(ren) as the dependents. The parent or legal guardian must sign and date the application. Children age 19 and older must apply separately.

Effective Date of Coverage:
The health 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.

If your payment is by credit card, the hard copy application does not have to be mailed, but the applicant should print a hard copy for his/her records. The acknowledgment of the applicant's name for credit card payment suffices as a signature under e-commerce law.

If your payment is by check, money order, or automatic check withdrawal, the hard copy of the application does not have to be mailed. However, the initial payment must be mailed in by check along with a voided check. Please note social security number on initial payment check. The initial payment must be received within 10 days from the transmission date or coverage is void.

Coverage under this policy will end on the termination date listed in the Schedule of Benefits. Coverage will be considered void if payment is not received.

Next Day Coverage Is Available:
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date.

Learn More About The Program >>
 
 Frequently Asked Questions
  
Covered Expenses
  ■ 
Exclusions and Limitations
  Instant Approval
 
Sample Policy

Get A Quote> 

Secure STM is the brand name used for products underwritten and issued by
Standard Security Life Insurance Company of New York - Rated A (Excellent) by A.M. Best Reports

License #'s: for Lewis Fink, agent, CA: OC38446 MT: 29724 F00-0283-LC 
This  product may not be available in all states.
More>

We also represent top rated companies for:

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Making Your Long Term Care Insurance Needs Relevant To Your Long Term Circumstances  

Disability Insurance
Disability insurance was created to insure you for a disabling sickness or injury, these plans will provide an individual the ability to continue their standard of living

Health insurance
Health insurance quotes that compare top rated plans side by side and allow you to apply for your policy online

 

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