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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.
Secure Short Term Medical Insurance offers coverage for a maximum limit of $ 2 million.
$250, $500, $1,000 or $2500 as per the secure short term medical insurance agreement; maximum of 3 deductibles per family.
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.
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.
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.
Secure Short Term Insurance is underwritten by Standard Security Life Insurance Company of New York.
Secure Short Term Insurance claims are administered by Health Plan Administrators Incorporation.

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:

  • Surgeon Services
  • Assistant Surgeon Services
  • Anesthesia Services
  • Hospital charges
  • Physician Services
  • X-ray Exams, laboratory test and analysis
  • Intensive Care
  • Out patient Hospital or Ambulatory Surgical Center charges
  • X ray and Radioactive isotope therapy
  • Blood or blood derivatives and their administration
  • Ambulance Services
  • Organ transplants
  • Acquired Immune Deficiency Syndrome (AIDS)
  • Mammography
  • Pap smear and Screens

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
  • Alcohol or drug dependency and disorders
  • Transplant services to the transplant donor
  • Eye exams, eyeglasses, hearing aids and surgery
  • Spinal manipulation or adjustment
  • Dental or orthodontic services
  • Routine physical exams and tests, preventive care and immunizations
  • Obesity treatments
  • Over-the counter-medications and prescription drugs
  • Maternity and newborn treatment prior to discharge, any infertility treatments or sterilization treatments
  • Medical care received outside of the United States, Canada or its possessions