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| Secure 12x3
STM |
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No one should be without health insurance.
If you are self employed, a part-time or temporary
worker, an early retiree, or just between jobs, Secure
12x3 STM can provide you with short term medical coverage
and peace of mind.
| Policy Maximum
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Secure 12x3 STM provides
a Policy Maximum of $750,000 per Insured Person
Per Coverage period |
| Deductible
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$500, $1,000, $2,500, or $5,000
per Coverage Period. Maximum of 3 deductibles
per family. |
| Co-insurance |
The plan will pay for 50% or 80%
of eligible expenses after the deductible up
to $10,000, then 100% of eligible expenses up
to the Policy Maximum. |
| Coverage Options |
The plan is available in annual
increments and is renewable for up to 36 months.
An optional Supplemental Accident Benefit
is available that covers $500 of covered expenses
caused by accidental injury before the deductible
and coinsurance is applied.
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| Plan Life
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Secure 12x3 STM is an annual medical
plan renewable for up to three consecutive years
of coverage. |
| Underwriter |
Secure 12x3 STM is underwritten
by Standard Security Life Insurance Company
of New York. |
| Claims Administrator
|
Secure 12x3 STM is administered
by Health Plan Administrators, Inc. |
Eligibility:
Secure 12x3 STM is offered to members
and their spouses under the age of 65 and their dependent
children under the age of 19, or under the age of
25 if a full-time student.
Plan Benefits:
Secure 12x3 STM offers a broad range of
benefits including:
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A maximum $750,000
of covered expenses per Insured Person per Coverage
Period after satisfying the deductible and co insurance;
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Doctor Visits;
$25 per visit for up to four office .
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Up to $1,000 per
day for In-Hospital care or Outpatient Hospital
Surgery & Ambulatory Surgical Center charges;
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Up to $500 per
day for Out-Patient Emergency Room visits;
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Up to $500 per
stay for In-Hospital Doctors’ visits;
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Coverage subject
to deductibles for Mammography, Pap Smears, and
Screens; and,
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PPO, LabOne Select,
Rx Drug Card, and Communicating for America memberships
for discounts.
Remarks:
- Renewal: The plan can be renewed
annually up to three consecutive years of coverage.
You must re-apply within 30 days prior to the termination
date of your coverage. Pre-existing conditions limitation
will not apply to any condition(s) that were covered
during a prior Coverage Period.
- Cancellation and termination:
Full refund is available if the Certificate of Insurance
is returned within 10 days. Coverage ends when:
the premium is not paid when due; you cease being
a member of the association; you enter full-time
active duty in the Armed Forces; you become eligible
for Medicare; the elected Coverage Period expires;
the Standard Security Life Insurance Company of
New York determines that fraud or misrepresentation
has been made in filing a claim for benefits; or
a dependent ceases to be eligible.
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