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
Note: Plan availability varies by state. When running a quote, the plans by the IHC Group, that are available in your state will be shown and all of the plans have different features and benefits. Plan specific brochures are available when running a quote. Secure STM is Available in : AZ, FL, GA, MD, MO, UT, VA. The Connect Series plans by the IHC Group are available in all states except: CA, CT, MA, NH, NJ, NM, NY, ND, RI, 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 short term medical plan options which may include the Connect STM Series. Plan offerings vary by state. Use the menu on the quote screen to sort by cost, deductible and more..
Call 1-800-544-9505 with Questions

$50 Office Visit Copay

The copay applies to the first covered office visit during the policy period. After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office
visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.. *Office visit copay for California residents is $25

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 depending on your state
  • Cancel at any time - Monthly plans can be canceled at any time
  • Reapply if you need a longer period of coverage

  • 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

  • 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

About Standard Security Life Insurance Company of New York

Standard Security Life was founded in 1958, and is domiciled in the State of New York and 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 provides various lines of life, health and disability insurance, including: employer medical stop-loss, disability benefit law (DBL), short-term medical, group major medical, individual and group dental and vision, individual accident and health insurance, group term life, specialty programs designed for volunteer emergency service personnel, including group life insurance and service awards programs. Standard Security Life is rated A- (Excellent) by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

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

Note: To search for a network provider, click on the "Find a Doctor" link when getting a quote.

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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 to 90 days and you can reapply if you need a longer period of coverage.


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)

Metal Gap 2

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.

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, travel insurance quotes and dental discount plans, 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.

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