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Q. Who is eligible for short term health
insurance coverage?
A. Secure STM is offered to CFA* members (by enrolling in this plan,
you automatically become a member of the Communicating for America
Association), 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. Communicating for America (CFA) STM
Enhancement Series
* 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.
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 lifetime
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 lifetime
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, this
applies to states where association membership is a requirement; 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 lifetime 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 Long Term Consumer Care, Inc., at 1-800-544-9505 between
8:30am- 5:00pm Central Time. Or, you may e-mail them at info@consumerbenefits.net
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., dually headquartered in Rockford, Illinois for administration
and Tampa, Florida for marketing, is a national and international Third
Party Administrator. 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. HPA has met or exceeded
all state-mandated requirements, bringing you stability and security.
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.
©2005 HPA, Inc. All rights reserved.
SM STM-1 3/05 |
