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Secure> STM
Frequently Asked
Questions
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.
Q. Who needs this type of coverage?
A. Short Term Medical Insurance is an ideal, affordable type
of medical insurance for those who are: unemployed, 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.
Q. Who is eligible
for this coverage?
A. 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.
Included with your coverage
is Communicating for America (CFA) STM Enhancement Series
which provides members with discounts for the following
services and or purchases:
Vitamins, herbs and nutritional supplements - 10% off
already
low prices
Nurse-on-call - access to a registered nurse 24 hours a
day,
seven days a week
Chiropractic services - 30%-50% off at more than 3,000
private
chiropractors
Prescription drugs - up to 40% off on generic or name-brand
drugs
at over 55,000 pharmacies nationwide
Vision eyewear care - up to 60% off eyeglasses, contact
lenses
and non-prescription sunglasses through a network of
more than
10,000 retail optical locations, including Pearle
Vision, JC
Penney's, Wal-Mart and Lens Crafters
Dental services - save an average of 28% and up to 50% on
dental expenses from 53,000 dentists in Aetna Dental
Access**
Low rate home mortgages - up to $500 credit at closing,
competitive interest rates, and extended lock rate option
Low rate student loans - Federal Stafford and alternative
loan
options at some of the lowest rates in the industry.
The Communicating for America
(CFA) is not affiliated with Standard Security Life
Insurance Company of New York, nor is it a part of the STM
insurance plan.
Communicating for America, Inc. (CFA) is a division of
Communicating for Agriculture and the Self-Employed, Inc.
(CA) a 501c5 non-profit association headquartered in Fergus
Falls, Minn., providing members valued benefits and savings
since 1972.
See our enhancement brochure>
Q. How does this
coverage work?
A. The benefit options for covered expenses are per insured
person per coverage period.
Option A:
First, you meet your deductible. Choose from four options:
$250, $500, $1,000, $2,500 or $5,000. Then STM plan pays 80%
of the next $5,000 of covered expenses. After this, STM plan
pays 100% of covered expenses up to your coverage period
maximum of $2 million.
Option B:
First, you meet your deductible. Choose from four options:
$250, $500, $1,000, $2,500 or $5,000. Then STM plan pays 50%
of the next $5,000 of covered expenses. After this, STM plan
pays 100% of covered expenses up to your coverage period
maximum of $2 million.
Q. Once my coverage
is issued, do I have the option to select my doctors,
hospitals and medical providers?
A. Yes. You have the freedom to select the doctors and
hospitals of your choice. This plan is not an HMO or PPO.
Q. How long may I be
insured under this plan?
A. STM is issued on a temporary need and terminates at the
end of the period applied for. If the need for temporary
health insurance continues, you may apply for another new
STM* coverage period. Your application is subject to the
eligibility and underwriting requirements. Furthermore the
coverage is not continuous. Any condition that incurred
expense during the last coverage period will be treated as a
Pre-Existing Condition, and excluded under the next coverage
period. Applicants over the age of 64 are not eligible to
re-apply for coverage.
*Only if an STM Plan is
available in your resident state at that time; plan
benefits, premium and features may vary.
Coverage ends when the
premium is not paid when due; you enter full-time active
duty in the Armed Forces; you become eligible for Medicare;
the elected coverage period expires; Standard Security Life
Insurance Company determines fraud or misrepresentation has
been made in filing a claim for benefits; or a dependent
ceases to be eligible; **you cease to be a member of the
association or the group master policy terminates.
**This applies to states
where association membership is required.
Q. What are the
coverage limits under this plan?
A. This plan pays a coverage period maximum of $2,000,000
for each insured. Please refer to the Exclusions and
Limitations section for all limitations.
Q. Are pre-existing
conditions covered?
A. Pre-existing conditions are not covered. This includes
any condition or complication that was treated or produced
symptoms five years prior to your Secure STM effective date.
The pre-existing condition limitation may vary by state.
If you or a dependent have an existing health condition, you
may want to consult with your independent insurance agent
prior to applying for or changing health/medical insurance.
Insurance fraud is a crime. Any person who, with intent to
defraud or knowingly facilitates a fraud against an insurer,
submits an application or files a claim containing false,
deceptive and/or incomplete information is subject to civil
and criminal prosecution.
Q. Are there expenses
not covered under this plan?
A. Yes, this plan is designed to protect you in the event of
an illness or injury and is not meant to cover routine exams
and preventive care. Short Term Medical is for temporary
coverage only and therefore does not include some of the
benefits a permanent health plan offers. Please refer to the
Exclusions and Limitations section of this web site.
Q. How do I apply for
this coverage?
A. First, make sure you do not live in a state where the
Plan is not available. Next look up the rates that apply to
you based on your gender and zip code. Then, complete the
application, e-sign it, and send payment to the
administrator along with your initial premium payment to the
address below.
Mail and make check payable to:
Health Plan Administrators, Inc.
P.O. Box 15900
Rockford, IL 61132-5250
Q. What should I do
if I cannot download and/or print the application found on
this site?
A. Contact HPA, Inc. the Plan's Administrator, at
1-800-277-3323 between 8:30am- 5:00pm Eastern Time. Or, you
may e-mail them at newsales@hpa-inc.com. They will rush an
application, rates and coverage description right away.
Q. Can I get a refund
of my premium if I am not satisfied?
A. Once you receive your Certificate or Policy, carefully
review all information. If you are not satisfied for any
reason, return the Certificate (within 10 days of receipt)
with your written request for cancellation to HPA. Coverage
will be cancelled as of the effective date and you'll
receive a full premium refund (minus admin fees and dues),
no questions asked.
Q. How is this
coverage billed?
A. After submitting your enrollment form with first month's
premium, you will then pay monthly or you can choose to
prepay. You indicate on your enrollment form how you wish to
pay for your coverage. You may elect to be billed for the
monthly premiums (plus the administration fee), OR you can
select one of the other two payment methods: (1) Automatic
Pre-authorized Bank Withdrawal; or (2) Credit Card -
MasterCard, Visa and Discover are accepted.
Q. When does my
coverage begin?
A. 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.
Q. Who is the
Insurance Company?
A. Standard Security Life Insurance Company of New York
Standard Security Life Insurance Company of New York is
rated A (Excellent) for financial condition by A.M. Best
Company, as of 06/04. A.M. Best ratings range from A++ to D.
Q. Who is the
Administrator?
A. Health Plan Administrators, Inc.
HPA, Inc., is a fully licensed, full service Third Party
Administrator servicing businesses worldwide. HPA has
provided innovative health care solutions for over 60 years,
meeting customer's needs with integrity, creativity and
value. We strive to provide the best possible coverage in a
cost effective manner. We, in conjunction with our trusted
insurance carriers, share a mutual desire to provide
important benefits to our customers and to meet their needs
in an innovative, hassle-free manner. 1-800-277-3323
This website provides a brief description of the benefits,
exclusions and other provisions of the policy Form
SSL-STMP-1104. For complete listing, see the
Policy/Certificate of Insurance. Benefits may vary by state.
Secure STM is not available in all states.
Association membership may be required in some
jurisdictions.
Learn More About
The Program >>
Frequently Asked
Questions
Covered Expenses
Exclusions and
Limitations
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