Short Term Medical Insurance is an ideal, affordable type of medical insurance for those who are: unemployed, self-employed, 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.

Who qualifies for the Secure Saver STM?

Short-Term Medical is offered to members of Communicating for America*, their spouses under 65 and eligible dependents under age 26 who have a social security number and can answer 'no' to the health questions on the application. Child-only coverage is available for ages 2 through 18.
*CA membership does not apply to residents in ID, IN, KS, LA, ME, MD, MN, MT, ND, NH, NV, or SD

When does my coverage start?

Your coverage can begin as early as the day following the U.S. postmark stamp on your envelope. If you apply online, coverage can begin the day following your online application submission. You can request a later effective date, but no more than 60 days after the application date. All coverage is subject to approval and payment of the first premium.

How are benefits covered?

Short Term Medical pays benefits for each covered person in the following manner (subject to specific benefit maximums). When you incur covered medical expenses, you pay for the cost of service up to your chosen daily deductible.
1. Choose from four daily deductible options: $250, $500, $750, $1,000. After one covered person satisfies their daily deductible, covered charges that exceed the daily deductible amount on that same day are covered at 100%.
2. The daily deductible family maximum is deemed satisfied for the remainder of that day when two covered persons each satisfy their individual daily deductible.
3. The $4,000 coinsurance limit is deemed satisfied when one covered person satisfies their individual coinsurance limit for the coverage period. After this, Short Term Medical pays 100% of covered expenses up to the coverage period maximum of $2,000,000. The daily deductible is included in the coinsurance limit. The coinsurance limit does not include copays, pre-certification penalty amounts and other expenses not covered.

Do I have the option to select my doctors, hospitals, and medical providers?

Yes. You have the freedom to select the doctors and hospitals of your choice. This plan is not an HMO or PPO.

How long will STM coverage last?

Secure STM is specifically designed to fill a temporary insurance need. Coverage stops at the end of the period for which you apply. Depending on the payment option you select, coverage can continue for one to six or up to 12 months. The 12-month coverage option is not available in all states.

Can I continue coverage?

If your need for temporary health insurance continues, you may apply for another Short Term Medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period meaning, amongst other things, a new pre-existing condition limitation will apply.

When does coverage terminate?

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 of New York determines fraud or misrepresentation has been made in filing a claim for benefits; a dependent ceases to be eligible for coverage as defined in the policy; you cease to be a member of the association*; or the group master policy terminates.
*Applies only to states where association membership is required.

What medical expenses are covered*?

All of the following benefits are subject to the daily deductible and coinsurance. Covered expenses are subject to the usual, reasonable and customary charge and the maximum benefit limit, if applicable.

• Hospital room and board charges are paid at the average semi-private room rate, medical care and treatment
• Outpatient hospital or ambulatory surgical center charges
• Physician services for treatment and diagnosis
• Surgeon services in the hospital or ambulatory surgical center
• Assistant surgeon services up to 20% of the primary surgeons benefit
• Anesthesia services up to 20% of the primary surgeons benefit
• Intensive or specialized care unit charges are paid up to three times the most common average-semi-private room rate
• X-Ray exams, laboratory tests and analysis
• X-Ray and radioactive isotope therapy, anesthesia, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical equipment
• Blood or blood derivatives and their administration
• Ambulance ground or air services
• Gallbladder surgery
• Knee injury or disorder
• Inpatient prescription drugs
• Organ, tissue, bone marrow transplants are covered up to $150,000 for all covered expenses per coverage period.
• Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 coverage period maximum***
• Mammography, Pap smear and screens

How can I save money and maximize my benefits?

Through the STM plan, you have access to discounted medical services through two national Preferred Provider Networks (PPOs): ACS and MultiPlan. The network providers have agreed to provide their services at a negotiated fee and pass these discounts on to you. While you have the flexibility to choose any health care provider, the discounts available through network providers for covered services will help to lower your out-of-pocket cost. The discount will be reflected in your final bill and you will not owe the network providers for the difference between their retail rate and the negotiated fee. You will still be responsible for paying your share of the covered expenses, including any deductible, copay and coinsurance. Your coinsurance amount will be based upon the negotiated fee. Using a network provider is voluntary. If you are unable to find a network provider, we will attempt to negotiate a discount for you from your provider. While we can’t guarantee the outcome, if we successfully obtain a discount it will be passed on to you. To search for a health care provider or facility, please visit the Web sites listed below. At the time of services, simply present your identification card to the network provider.
• ACS is a comprehensive network of 2,500 ancillary service providers at over 25,000 sites, representing providers of outpatient services, including lab and diagnostic testing, except physicians. www.anci-care.com
• MultiPlan is one of the nation’s largest networks with more than 500,000 members in 50 states, including physicians, and inpatient and outpatient facilities. www.multiplan.com or 888-342-7427.
ACS and MultiPlan are not affiliated with Standard Security Life Insurance Company of New York, nor are they part of this insurance plan.