Secure Saver Short Term Insurance
Secure Saver Short term Insurance is ideal insurance for part time and temporary workers, recent college graduates, new hires, and those between jobs.
Secure Saver offers a choice of four daily maximums instead of a calendar-year deductible. One can choose a daily-deductible maximum of $250 to limit the daily deductible expenses to $250. Doctor Office visits have convenient $50 Co-pay and there is no deductible or co-insurance. All other covered medical services are subject to the daily deductibles.
| Policy Maximum |
$2,000,000 |
| Deductible |
Choose from four daily deductible options: $250, $500, $750, $1,000 |
| Co-insurance |
Plan pays 80% of the first $20,000 and after this, Secure Saver pays 100% of covered expenses. The daily deductible (not co-pay) is included in the coinsurance limit of $4,000.
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| Coverage Options |
You can pay for coverage in monthly payments for up to 6 or 12 months at a time. |
| Plan Life |
The plan can be purchased for a minimum of 30 days and up to 6 or 12 months. The 12-month coverage option is not available in all states. |
| Underwriter |
Secure Saver Short Term Health Insurance is underwritten by Standard Security Life Insurance Company of New York |
| Claims Administrator |
Secure Saver Short Term Health Insurance is administrated by Health Plan Administrators, Inc |
Eligibility:
Secure Saver Short Term Health Insurance is available to those who are between the ages of 18 to 64, and their spouses and dependent children under age 19 (or under age 25 if a full-time student). All applying for coverage must be able to answer “no” to all medical history questions on the application. Child-only coverage is available for ages 2 through 18.
Plan Benefits:
Secure Saver has a daily deductible which you are required to satisfy before the plan pays benefits and they are subject to the plan maximum and co-insurance (out-of-pocket-limit of $4,000). Some benefits vary by state.
- $50 physician office visit co-pay covers the cost of the physician office visit charge. Other covered services are subject to the daily deductible & coinsurance limit
- Hospital room and board charges are paid at the average semi-private room rate, medical care and treatment
- Physician services for treatment and diagnosis
- Surgeon services in the hospital or ambulatory surgical center
- 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
- Ambulance ground or air services
- Inpatient prescription drugs are covered; while out-patient prescription drugs are not covered
- Organ, tissue, bone marrow transplants are covered up to $150,000 for all covered expenses per coverage period.
Remarks:
- PPO Network: Secure saver Short Term Insurance uses the ACS PPO network and the MultiPlan.
- Renewal: Policies are not renewable. However you may apply for another Secure Saver 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
- Cancellation: If you are not completely satisfied with this coverage, and you have not filed a claim, you may return the Certificate of Insurance within 10 days and receive a premium refund.
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