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| Secure Short
Term Insurance |
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Secure Short Term Medical Insurance, better
known as Secure Short Term Insurance provides medical
coverage for individuals and their families for a
certain period of time. The medical insurance has
within its purview inpatient and outpatient care,
regular medical checkups and surgeries. The highlight
of this secure short term insurance is that it is
available for a short duration ranging from a month,
six months or a year.
| Policy Maximum
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Secure Short Term Medical
Insurance offers coverage for a maximum limit
of $ 2 million. |
| Deductible
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$ 250. $500, $ 1,000 or $ 2500 as
per the secure short term medical insurance
agreement; maximum of 3 deductibles per family.
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| Co-insurance |
After the chosen deductible of
$ 250. $500, $ 1,000 or $ 2500 is satisfied,
Secure Short Term Medical Insurance pays 50%
or 80 % of the covered expenses up to a maximum
of $ 5000.
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| Coverage Options |
Secure Short Term Medical Insurance,
as its name suggests, is a short term insurance
available for a period of a month, six months
and a year. |
| Plan Life
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Secure Short Tem Medical Insurance
can be renewed after one term is over subject
to state availability of the insurance, eligibility
and underwriting requirements. However, the
next term of coverage is not continuous. |
| Underwriter |
Secure Short Term Insurance is underwritten
by Standard Security Life Insurance Company
of New York. |
| Claims Administrator
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Secure Short Term Insurance claims
are administered by Health Plan Administrators
Incorporation. |
Eligibility:
Secure Short Term Medical Insurance offers
coverage of maximum $2 million within a stipulate
coverage period.
In order to be eligible for a secure short term medical
insurance, the insured and his/her spouse should be
less than 65 years of age. Their dependant kids should
be aged below 19 years (or under age 25 if a full
time student). Children above the age of 19 years
need to put forward a separate application.
Your coverage will begin as early as the day following
the U.S. postmark stamp on your envelope. You can
request a later effective date, but no more than 60
days after the application date. All coverage is subject
to approval of your application and payment of the
first premium.
Plan Benefits:
The HPA Secure Insurance covers areas
like:
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Surgeon Services
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Assistant Surgeon Services
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Anesthesia Services
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Hospital charges
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Physician Services
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X-ray Exams, laboratory test
and analysis
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Intensive Care
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Out patient Hospital or Ambulatory
Surgical Center charges
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X ray and Radioactive isotope
therapy
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Blood or blood derivatives and
their administration
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Ambulance Services
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Organ transplants
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Acquired Immune Deficiency Syndrome
(AIDS)
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Mammography
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Pap smear and Screens
Remarks:
The secure short term medical insurance, however,
does not cover certain medical examinations and treatments.
The exclusions are subject to vary from one state
to another. The following is a partial list of services
or charges not covered:
Cosmetic surgery, treatment for acne, hair loss
or varicose veins
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Alcohol or drug dependency and
disorders
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Transplant services to the transplant
donor
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Eye exams, eyeglasses, hearing
aids and surgery
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Spinal manipulation or adjustment
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Dental or orthodontic services
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Routine physical exams and tests,
preventive care and immunizations
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Obesity treatments
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Over-the counter-medications
and prescription drugs
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Maternity and newborn treatment
prior to discharge, any infertility treatments or
sterilization treatments
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Medical care received outside
of the United States, Canada or it’s possessions
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