Secure STM

Short Term Health Insurance

Secure STM - Short Term Medical plan includes $2,000,000 in coverage per person with the choice of deductibles. Next Day Coverage is available. Quote, Apply and Print your policy in less than 10 minutes. Underwritten by Security Life Insurance Company of NY.

Rated A- Excellent by AM Best
Available in all states Except: CT, MA, NJ, NY, ND, VT, WA
Secure STM - Short Term Medical plan is available in most states. The short term coverage includes a $2,000,000 policy period maximum per person. The deductible options range from $1,000 to $5,000. Other options are available such as a Prescription copay plan, Dental insurance and a Accident Medical / Critical illness plan.
Simply Enter your Zip Code and Birth Date for a instant Quote
Secure Lite STM - Quote or Apply
Note: When running a quote, you will see many different IHC short term medical plan options including the Secure STM. Use the menu on the quote screen to sort by cost, deductible and more.
Call 1-800-544-9505 with Questions

Doctor Office Copay

$50 Copay. The Copay applies to each Doctor office visit
charge. After the Copay, the balance of the Doctor office
visit charge is covered at 100%.

Secure STM Options

For an additional premium, you can include Dental Insurance, Accident Medical Expense (Metal Gap) and a Rx Copay plan.

Secure STM Features

 

  • Pays up to $2,000,000 Policy Period Maximum per Covered Person

  • Choice of Coverage Periods - 30 to 364 Days. Monthly or the exact number of days

  • Use any doctor or hospital. Save more by using a > Multiplan Network provider

  • Choice of Deductibles - $1,000, $2,500 or $5,000

  • Coinsurance options - The Insurance company pays 80% or 50% of $10,000 or $20,000 depending on your state

  • Choose a monthly plan or receive a discount when choosing the single payment option

  • Child Only Coverage is available - the minimum age is two years old

  • $50 Office Visits Copay- The $50 Copay applies to the physician’s consultation charge. After you pay $50, the plan pays 100 percent of the consultation charge balance with no deductible.

  • Free Look Period ensures your satisfaction with a 10-day money back guarantee

Secure STM Coverage is ideal for those who are
  • Between jobs or laid off - Waiting for employer benefits
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Print your policy and ID cards right after you apply

When applying online, you will be able to print your policy and ID cards or save everything to your computer.

Secure STM Plan Details

Secure STM Short Term Coverage Details

The IHC Group (Independence Holding Company) provides affordable short term health insurance to protect you and your family. You should consider purchasing Secure STM if you are looking for a low cost plan to protect yourself and family from the potentially high medical costs associated with an unexpected accident, injury or illness.

With IHC you will have many plan options to choose from. You can choose your deductible, coinsurance out of pocket limits, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties. Using a Multiplan network provider will lower your out of pocket costs and make the claims process much easier.

Secure STM Coverage is ideal for those who are

 

  • Between jobs or laid off - Waiting for employer benefits
  • Retired individuals (under 65) waiting for Medicare
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Secure STM - Coverage Information

After you satisfy your deductible, Secure STM will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum of $2,000,000.

Coverage Details

Covered expenses include treatment, services and
supplies for:

  • Physician services during an office visit

  • Emergency room, outpatient facility or ambulatory surgical center charges

  • Surgeon services in the hospital or ambulatory surgical center
    Services when a doctor administers anesthetics up to 20 percent of the primary surgeon’s covered charges

  • Assistant surgeon and surgeon’s assistant services up to 20 percent of the primary surgeon’s covered charges

  • Ground ambulance services up to $500 per occurrence

  • Air ambulance services up to $1,000 per occurrence

  • Organ, tissue, or bone marrow transplants up to a $150,000 coverage period maximum

  • Acquired Immune Deficiency Syndrome (AIDS) up to a $10,000 coverage period maximum

  • Blood or blood plasma and their administration, if not replaced

  • Mammography, Pap smear and prostate antigen test (covered at specific age intervals; not subject to deductible)

  • X-ray exams, laboratory tests and analysis Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and chemotherapy services and equipment rental

Inpatient Covered Expenses:

  • Room and board, doctor visits and general nursing care up to the most common average semi-private room rate
  • Intensive care or specialized care unit up to three times the average semi-private room rate
  • Prescription drugs administered while hospital confined

*Benefits are covered subject to coinsurance and any specific limits including outpatient or doctor’s office miscellaneous limits. *Benefits vary by state. Refer to your policy

EyeMed Vision Plan

Secure STM Short Term Medical is insured by Standard Security Life Insurance Company of NY, Standard Security Life Insurance Company of New York (Standard Security Life) is a wholly owned subsidiary of Independence Holding Company, (NYSE:IHC) with principal interests in the life and health insurance business. Also in The IHC Group are Madison National Life Insurance Company, Inc. and Independence American Insurance Company. The IHC Group has consolidated assets of more than one billion dollars, as of June 2010.

Standard Security Life was founded in 1958, is domiciled in the State of New York, and is headquartered in New York City. It is licensed in all 50 states, the District of Columbia, the Virgin Islands, and Puerto Rico. Standard Security Life is rated A- (Excellent) by A.M. Best Company, Inc.

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best

 

This Site provides a brief description of the benefits, exclusions and other provisions of the group policy (may vary by state). For complete listing, see the Policy/Certificate of Insurance. Benefits may vary by state.

Low Price Guarantee

 

Secure Lite STM

MultiPlan Network

Long Term Consumer Care, Inc. BBB Business Review

 

 

FAQ

Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.

The Secure STM Short term Medical coverage is available for as little as 30 days and you can keep it for up to 364 days depending on what state you live in.. Monthly and single pay options are available

 

You can also choose the single payment option for 30 to 180 days of coverage and receive a discount on the premium.

 

Need additional coverage? Simply reapply before your current policy terminates and a new policy can be issued.

Your Secure STM short term coverage can begin as early as the next day. You can also select a later effective date (up to 60 days in the future)

Accident Medical Plans

Medicare Gap

Did you know that about 10,000 people turn 65 each day?

Many of our customers are turning 65 in the next year. Many choose a short term medical plan to cover them until they turn 65.

Application Fee

The application fee charged by the insurance company is $25. We don't add any additional fees to any of the plans we offer.

No Out-of-Network Penalties

Secure STM Short Term Medical customers have the freedom to choose doctors and hospitals in the MultiPlan Network or outside of the network without facing out-of-network penalties.

Free Discount Plans

Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental and travel insurance quotes, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

Customer Testimonials
Free Discount Rx Plan
License Information
Privacy Policy
Sitemap

Get in Touch

  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051