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

Health Insurance Overview

Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. For up to 3 years, Secure 12x3 STM allows you and your family to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.


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: You can apply for  
    three consecutive 12 month coverage periods, up to a
    maximum of 36 months in all.

 > Coverage or discounts for Doctors,. Hospitals, Long Term
    Care Facilities, Dental, Pharmacies, Vision, Hearing,  
    Chiropractic, 24hr Nurse

Other Featuring Include...

•   Includes Rx Drug Card - up to $10 for Generic Drugs
•   $25 per doctor office visit
•   $500 Supplemental Accident Option
•   Choose any doctor or hospital
•   Choice of $500, $1,000,$2,500, and $5,000 deductibles  
•   Accept payment by: check, money order,
    MasterCard, Visa, Discover or automatic monthly bank draft

Learn More About The Program >>

Have Questions?    ( Click on question below! )

How does the plan work?

Who qualifies for Secure 12x3 STM?

  When does my coverage start?

 What is the effective Date of Coverage?

What medical expenses are covered?

Are pre-existing conditions covered?

Is there a free look period?

 Who is the Insurance Company?

Who is the Association?

        See our enhancement brochure>

  How does the Rx Drug Card work?

  What is the STM Enhancement Series?

  What is the optional Supplemental Accident Benefit?

  How can I have additional coverage after the 12 month Coverage
      Period is complete?

  When does coverage terminate?

  Is there an extension of benefits after the plan terminates?

  Do I need pre-certification?

  What is a usual, reasonable and customary charge?

  Does the STM have a Preferred Provider?

  What is LabOne Select?

  How long will Secure 12x3 STM coverage last?

   What are my payment options?

  What services are not covered?
 
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