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Secure STM
The purpose of this website is to provide an overview of this Short Term Medical Plan. Below are some frequently asked questions regarding this valuable coverage.
Who needs this type of coverage?
Who is eligible for this coverage?
How long may I be insured under this plan?
What are the coverage limits under this plan?
Are pre-existing conditions covered?
Are there expenses not covered under this plan?
How do I apply for this coverage?
What should I do if I cannot download and/or print the application found on this site?
Can I get a refund of my premium if I am not satisfied?
A. Short Term Medical Insurance is an ideal, affordable type of medical insurance for those who are: unemployed, in between jobs, recent college graduates, in need of an alternative to COBRA. You will see that this coverage provides many special and unique coverage features while maintaining a very competitive premium structure.
A. Secure STM is offered to members, their spouses and their dependent children under age 19 (or under age 25 if a full-time student) who have a social security number and can answer "no" to the health questions on the application. Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18.
Included with your coverage is Communicating for America (CFA) STM
Enhancement Series which provides members with discounts for the following
services and or purchases:
vitamins, herbs and nutritional supplements - 10% off already low prices
Nurse-on-call - access to a registered nurse 24 hours a day, seven days a
week
Chiropractic services - 30%-50% off at more than 3,000 private chiropractors
Prescription drugs - up to 40% off on generic or name-brand drugs at over
55,000 pharmacies nationwide
Vision eyewear care - up to 60% off eyeglasses, contact lenses and
non-prescription sunglasses through a network of more than 10,000 retail
optical locations, including Pearle Vision, JC Penney's, Wal-Mart and Lens
Crafters
Dental services - save an average of 28% and up to 50% on dental expenses
from 53,000 dentists in Aetna Dental Access**
Low rate home mortgages - up to $500 credit at closing, competitive interest
rates, and extended lock rate option
Low rate student loans - Federal Stafford and alternative loan options at
some of the lowest rates in the industry.
The Communicating for America (CFA) is not affiliated with Standard Security Life Insurance Company of New York, nor is it a part of the STM insurance plan. Communicating for America, Inc. (CFA) is a division of Communicating for Agriculture and the Self-Employed, Inc. (CA) a 501c5 non-profit association headquartered in Fergus Falls, Minn., providing members valued benefits and savings since 1972.
A. The benefit options for covered expenses are per insured person per coverage period.
Option A: First, you meet your deductible. Choose from four options: $250, $500, $1,000, $2,500 or $5,000. Then STM plan pays 80% of the next $5,000 of covered expenses. After this, STM plan pays 100% of covered expenses up to your coverage period maximum of $2 million.
Option B: First, you meet your deductible. Choose from four options: $250, $500, $1,000, $2,500 or $5,000. Then STM plan pays 50% of the next $5,000 of covered expenses. After this, STM plan pays 100% of covered expenses up to your coverage period maximum of $2 million.
A. Yes. You have the freedom to select the doctors and hospitals of your choice. This plan is not an HMO or PPO.
A. STM is issued on a temporary need and terminates at the end of the period applied for. If the need for temporary health insurance continues, you may apply for another new STM* coverage period. Your application is subject to the eligibility and underwriting requirements. Furthermore the coverage is not continuous. Any condition that incurred expense during the last coverage period will be treated as a Pre-Existing Condition, and excluded under the next coverage period. Applicants over the age of 64 are not eligible to re-apply for coverage.
*Only if an STM Plan is available in your resident state at that time;
plan benefits, premium and features may vary.
Coverage ends when the premium is not paid when due; you enter full-time active duty in the Armed Forces; you become eligible for Medicare; the elected coverage period expires; Standard Security Life Insurance Company determines fraud or misrepresentation has been made in filing a claim for benefits; or a dependent ceases to be eligible; **you cease to be a member of the association or the group master policy terminates.
**This applies to states where association membership is required.
A. This plan pays a coverage period maximum of $2,000,000 for each insured. Please refer to the Exclusions and Limitations section for all limitations.
A. Pre-existing conditions are not covered. This includes any condition or
complication that was treated or produced symptoms five years prior to your
Secure STM effective date.
The pre-existing condition limitation may vary by state.
If you or a dependent have an existing health condition, you may want to
consult with your independent insurance agent prior to applying for or
changing health/medical insurance. Insurance fraud is a crime. Any person
who, with intent to defraud or knowingly facilitates a fraud against an
insurer, submits an application or files a claim containing false, deceptive
and/or incomplete information is subject to civil and criminal prosecution.
A. Yes, this plan is designed to protect you in the event of an illness or injury and is not meant to cover routine exams and preventive care. Short Term Medical is for temporary coverage only and therefore does not include some of the benefits a permanent health plan offers. Please refer to the Exclusions and Limitations section of this web site.
A. First, make sure you do not live in a state where the Plan is not
available. Next look up the rates that apply to you based on your gender and
zip code. Then, complete the application, e-sign it, and send payment to the
administrator along with your initial premium payment to the address below.
Mail and make check payable to:
Health Plan Administrators, Inc.
P.O. Box 15900
Rockford, IL 61132-5250
A. Contact HPA, Inc. the Plan's Administrator, at 1-800-277-3323 between 8:30am- 5:00pm Eastern Time. Or, you may e-mail them at newsales@hpa-inc.com. They will rush an application, rates and coverage description right away.
A. Once you receive your Certificate or Policy, carefully review all information. If you are not satisfied for any reason, return the Certificate (within 10 days of receipt) with your written request for cancellation to HPA. Coverage will be cancelled as of the effective date and you'll receive a full premium refund (minus admin fees and dues), no questions asked.
A. After submitting your enrollment form with first month's premium, you will then pay monthly or you can choose to prepay. You indicate on your enrollment form how you wish to pay for your coverage. You may elect to be billed for the monthly premiums (plus the administration fee), OR you can select one of the other two payment methods: (1) Automatic Pre-authorized Bank Withdrawal; or (2) Credit Card - MasterCard, Visa and Discover are accepted.
A. The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy.
A. Standard Security Life Insurance Company of New York Standard Security Life Insurance Company of New York is rated A (Excellent) for financial condition by A.M. Best Company, as of 06/04. A.M. Best ratings range from A++ to D.
A. Health Plan Administrators, Inc.
HPA, Inc., is a fully licensed, full service Third Party Administrator
servicing businesses worldwide. HPA has provided innovative health care
solutions for over 60 years, meeting customer's needs with integrity,
creativity and value. We strive to provide the best possible coverage in a
cost effective manner. We, in conjunction with our trusted insurance
carriers, share a mutual desire to provide important benefits to our
customers and to meet their needs in an innovative, hassle-free manner.
1-800-277-3323
www.hpa-inc.com
Secure STM
Just because you don't have health insurance right now doesn't mean you may not have health problems. Secure STM allows you and your family to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.
How benefits are covered?
The benefit options for covered expenses for injury or sickness per insured
person per benefit period.
Secure STM pays benefits for each covered person in the following manner: First, you meet your deductible. Choose from four options: $250, $500, $1,000 or $2,500
Then Secure STM pays 80% or 50% of the next $5,000 of covered expenses
After this, Secure STM pays 100% of covered expenses up to your coverage period maximum of $2 million
What medical expenses are covered?
After satisfying the deductible amount you've selected, Secure STM will pay
the coinsurance you selected for covered expenses, up to a lifetime maximum
of $2 million per insured person per coverage period.* Benefits are limited
to the reasonable and customary charge for a covered expense in addition to
any specific limits.
* Benefits for gallbladder surgery are limited to a $2,500 lifetime maximum per insured person. Benefits for injury or disorders of the knees are limited to a $2,500 lifetime maximum per insured person.
** The AIDS maximum of $10,000 per Coverage Period does not apply to
Policies/Certificates of Insurance issued to residents of Arizona,
California, District of Columbia, Idaho, Missouri, North Carolina or North
Dakota. In Kansas the maximum per Coverage Period is $75,000.
Benefits may vary by state.
What is a family deductible?
With a family deductible benefit your insured family is only required to
satisfy a maximum of three (3) deductibles during the coverage period.
What is a usual, reasonable and customary
charge?
A "usual, reasonable and customary charge" is the charge typically made by
physicians or suppliers of medical services, medicines and supplies within a
specific geographic area as determined by us.Usual, Reasonable and Customary
means with respect to fees or charges, fees for medical services or supplies
which are usually charged by the provider for the service or supply given
and the average charge for the service or supply in the locality in which
the service or supply is received; whichever is less, or with respect to
treatment or medical services, treatment which is reasonable in relationship
to the service or supply given and the severity of the condition. In
reaching a determination as to what amount should be considered as Usual,
Reasonable and Customary for services and supplies; we may use and subscribe
to a standard industry reference source that collects data and makes it
available to its member companies.
Do I need precertification?
Pre-admission certification prior to eligible inpatient hospitalization or
surgery by the covered individual within 48 hours is required. This is not a
guarantee of benefits. Failure to precertify will result in a benefit
reduction of 50%. Call 1-800-367-9938 for precertification.
When does coverage terminate?
Coverage ends when the premium is not paid when due; you enter full-time
active duty in the Armed Forces; you become eligible for Medicare; the
elected coverage period expires; Standard Security Life Insurance Company of
New York determines fraud or misrepresentation has been made in filing a
claim for benefits; or a dependent ceases to be eligible; you cease to be a
member of the association or the group master policy terminates..
Can I continue coverage?
If your need for temporary health insurance continues, you may apply for
another Secure STM plan. Your application is subject to eligibility,
underwriting requirements and state availability of the coverage. The next
coverage period is not continuous and any condition incurred during the last
coverage period will be excluded as a pre-existing condition.
Secure STM
Is there a pre-existing condition limitation?What are the plan exclusions and limitations?
The following is a partial list of services or
charges not covered by Secure STM:
The limitations and exclusions may vary by state. Please see the Policy/Certificate of Insurance for detailed information about these and other plan limitations and exclusions.
Can I continue coverage?
If your need for temporary health insurance continues, you may apply for
another Secure STM plan. Your application is subject to eligibility,
underwriting requirements and state availability of the coverage. The next
coverage period is not continuous and any condition incurred during the last
coverage period will be excluded as a pre-existing condition.
What is a usual, reasonable and customary
charge?
A "usual, reasonable and customary charge" is the charge typically made by
physicians or suppliers of medical services, medicines and supplies within a
specific geographic area as determined by us.Usual, Reasonable and Customary
means with respect to fees or charges, fees for medical services or supplies
which are usually charged by the provider for the service or supply given
and the average charge for the service or supply in the locality in which
the service or supply is received; whichever is less, or with respect to
treatment or medical services, treatment which is reasonable in relationship
to the service or supply given and the severity of the condition. In
reaching a determination as to what amount should be considered as Usual,
Reasonable and Customary for services and supplies; we may use and subscribe
to a standard industry reference source that collects data and makes it
available to its member companies.
When does coverage terminate?
Coverage ends when the premium is not paid when due; you enter full-time
active duty in the Armed Forces; you become eligible for Medicare; the
elected coverage period expires; Standard Security Life Insurance Company of
New York determines fraud or misrepresentation has been made in filing a
claim for benefits; or a dependent ceases to be eligible; you cease to be a
member of the association or the group master policy terminates.
Do I need precertification?
Pre-admission certification prior to eligible inpatient hospitalization or
surgery by the covered individual within 48 hours is required. This is not a
guarantee of benefits. Failure to precertify will result in a benefit
reduction of 50%. Call 1-800-367-9938 for precertification.
Secure STM
HPA offers the fastest way to apply for health insurance because the plans offered on our website can be submitted and signed electronically. Our online process enables consumers to go through the entire purchasing process electronically, replacing the health insurance industry's traditional paper-based application process. Processing time is reduced because your application is immediately subjected to the insurance carriers underwriting guidelines for instant approval. There's no need to manually print and mail the applications for these plans. At the conclusion of this application, you will be able to print out your insurance documents for your personal records. Your policy will not be considered in-force until payment is received and processed. If payment is not received by date specified policy will be voided.
Secure STM
About The Companies
Who is the Administrator?
Health Plan Administrators, Inc. (HPA), Rockford, IL
Health Plan Administrators, Inc is a Fully Licensed, Full Service, Third
Party Administrator servicing businesses worldwide. HPA has provided
innovative health care solutions for over 60 years, meeting customer's needs
with integrity, creativity and value. We strive to provide the best possible
coverage in a cost effective manner. We, in conjunction with our trusted
insurance carriers, share a mutual desire to provide important benefits to
our customers and to meet their needs in an innovative, hassle-free manner.
Who is the Insurance Company?
Standard Security Life Insurance Company of New York
Standard Security Life Insurance Company of New York is rated A (Excellent)
for financial condition by A.M. Best Company, as of 06/04. A.M. Best
ratings range from A++ to D.
Secure STM
Insurance contracts are administered by Health Plan Administrators, Inc. and underwritten by various insurance carriers.
Although this internet site provides a good description of the important features of the plans, this is not the insurance contract and only the actual contract defines coverage. The policy itself sets forth in detail the rights and obligations of both you and the Insurance Company. Please read your policy carefully when you receive it.
If you would like more complete information, please e-mail or call us
at:
Telephone: 1-888-VIPERME
E-mail:
info@viperhealthinsurance.com
HPA makes no judgment or warranty with respect to the accuracy, timeliness, or safety of the content of Internet sites to which these pages link and takes no responsibility therefore a link to a site outside of HPA is not an endorsement of the site, its content, or its sponsoring organization
PRIVACY POLICY
When you become a HPA, Inc. customer, you entrust us with your personal
data. We consider your data to be private and confidential, and we hold
ourselves to the highest standards of trust and fiduciary duty in their
safekeeping and use.
HPA, Inc. will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:
HPA, Inc. receives your prior written consent.
HPA, Inc. believes the prospective recipient to be you or your
authorized representative.
HPA, Inc. is required by law to release information to the recipient.
Questions about your medical history and physical condition are required
by our insurance carrier partners and will be released to the insurer so
that they may underwrite your insurance application. HPA, Inc. will not
give or sell information about you to any other company, individual, or
group without your prior authorization.
HPA, Inc. will only use information about you to help us better serve your insurance needs or to suggest HPA, Inc. services or insurance materials that may be of interest to you.
To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.
Occasionally, HPA, Inc. may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is HPA, Inc.'s policy to keep this information confidential. We will not share individual marketing data gathered from our website with individuals or business entities not affiliated with HPA, Inc.
We are also a registered licensee of Equinox. Equinox is an independent, non-profit initiative whose mission is to build users' trust and confidence in the Internet by promoting the principles of full disclosure and informed consent. To demonstrate our commitment to your privacy, we regularly have our information privacy practices reviewed and audited for compliance.
We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and
procedural safeguards to protect the Information against unauthorized
access and use. We restrict access to the Information to those employees
who need access to provide products and services to you and your
dependents. The personnel who have access are trained in the proper
handling of the Information. Employees who violate this strict level of
confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE
COLLECT
In the normal course of business we may collect the following types of
Information:
HOW WE USE YOUR
INFORMATION
· We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
· We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
· We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain the accuracy of
Information that is in our possession about you. In order to help us
maintain accuracy, you have the right to reasonably access your
information. If you believe any information in our possession is
inaccurate, a request can be made to amend or delete the information
that you believe to be erroneous. If we concur with the request, we will
amend or delete the information in question. You may write our Privacy
Office at the address below to receive our complete policy on accessing
and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice.
We reserve the right to make the revised Notice effective for the
Information we already have about you as well as any Information we
receive in the future. If we make any material changes to our policies
or practices, we will provide you with a copy of a revised Notice. We
will post a copy of the current Notice on our websites. The Notice will
contain in the top right-hand corner, the effective date.
You may contact our Privacy Office at:
HPA, Inc.
P.O. Box 15250
Rockford, IL 61132-5250
Copyright ©2003,2004,2005 HPA
Secure 12 x 3 STM
Secure 12 x 3 STM
The purpose of this website is to provide an overview of this Short Term Medical Plan. Below are some frequently asked questions regarding this valuable coverage.
Who needs this type of coverage?
Who is eligible for this coverage?
How
does this coverage work?
How
do I apply for this coverage?
Can I get
a refund of my premium if I am not satisfied?
How long will Secure 12 x 3 STM
coverage last?
How
can I have additional coverage after
the 12 month coverage period is complete?
Does does the Secure 12 x 3 STM have a
Preferred Provider Organization (PPO) Network?
How
does the Rx Drug Card work?
What
is the optional supplemental
Accident benefit?
What
are the coverage limits under this
plan?
Are
preexisting conditions covered?
Are there expenses
not covered under this plan?
What
should I do if I cannot download and/or print the application found on this
site?
Who
is the Insurance Company?
Who is the association provider?
Who
is the administrator?
The purpose of this website is to provide an overview of this
Short Term Medical Plan. Below are some frequently asked questions regarding
this valuable coverage.
Q.
Who needs this type of coverage?
A. Short Term Medical Insurance is an ideal, affordable type of medical
insurance for those who are: unemployed, in between jobs, recent college
graduates, in need of an alternative to COBRA. You will see that this
coverage provides many special and unique coverage features while
maintaining a very competitive premium structure.
A. Secure 12x3 STM is offered to members and their spouses under age 65 and
their dependent children under age 19 (or under age 25 if a full-time
student) who can answer “No” to seven health questions on the application.
Children age 19 and over should apply separately. Child-only coverage is
available for ages 2 through 18. A. The insurance can be effective as early as 12:01 a.m. the next day after
the transmission date. However, the applicant can choose a later effective
date not to exceed 60 days from transmission date. Coverage ends on
termination date listed in your policy. A. The benefit options for covered expenses are per insured person per
coverage period. Option 80/20: First, you meet
your deductible. Choose from four options: $500, $1,000, $2,500 or
$5,000. Then Secure 12x3 STM plan pays 80% of the next $10,000 of
covered expenses. After this, STM plan pays 100% of covered expenses up
to your Coverage Period maximum of $750,000* Option 50/50: First, you meet
your deductible. Choose from four options: $500, $1,000, $2,500 or
$5,000. Then Secure 12x3 STM plan pays 50% of the next $10,000 of
covered expenses. After this, STM plan pays 100% of covered expenses up
to your Coverage Period maximum of $750,000* *Certain conditions have limited maximum benefits; see “What
services/conditions are limited or excluded from coverage?” Refer to your
coverage document for specific terms and conditions. A. First, make sure you do not live in a state where the Plan is not
available. Next look up the rates that apply to you based on your gender and
zip code. Then, complete the application, enter payment information, and
e-sign the application. Follow instructions on the enrollment tool to
complete an online application. A. After submitting your enrollment form with first month's premium, you
will then pay monthly. You indicate on your enrollment form how you wish to
pay for your coverage. You may elect to be billed for the monthly premiums
(plus the administration fee), OR you can select one of the other two
payment methods: (1) Automatic Pre-authorized Bank Withdrawal; or (2) Credit
Card - MasterCard, Visa and Discover are accepted. At anytime during your
coverage You can cancel with written notification to
policyservice@hpa-inc.com A. Once you receive your Certificate of Insurance, carefully review all
information. If you are not satisfied for any reason, return the Certificate
(within 10 days of receipt) with your written request for cancellation to
HPA. Coverage will be cancelled as of the effective date and you'll receive
a full premium refund (minus administration fees and dues), no questions
asked. A. HPA’s Secure 12x3 STM insurance is specifically designed to fill
temporary health insurance needs. You can apply for three consecutive 12
month coverage periods, up to a maximum of 36 months in all. STM is issued
on a temporary need and terminates at the end of the period applied for.
Coverage ends when the premium is not paid when due; you enter full-time
active duty in the Armed Forces; you become eligible for Medicare; Standard
Security Life Insurance Company determines fraud or misrepresentation has
been made in filing a claim for benefits; or a dependent ceases to be
eligible. A. When your Coverage Period is almost over, you will receive an
application form to apply for another 12 month Coverage Period.* If you
re-apply within 30 days prior to the termination date of your coverage, and
your application is approved in underwriting, a new Coverage Period will be
issued, effective day following the termination date of your Coverage
Period. We will issue you a new Certificate of Insurance and new deductible
and coinsurance will apply. However, the pre-existing conditions limitation
will not apply to any condition(s) that were covered during a prior Coverage
Period. Any other pre-existing conditions will remain subject to the
pre-existing conditions limitation as described in the Certificate of
Insurance. *The coverage and rates may be different and are subject to state
availability. You must be under age 65 to reapply for coverage. A. Yes. You have the freedom to select the doctors and hospitals of your
choice. This plan is not an HMO or PPO. A. In addition to your insurance plan, you’ll also enjoy discounts provided
through nationwide access to one of the premier PPOs through Private
HealthCare Systems (PHCS). PHCS provides you the opportunity to reduce your
expenses for provider and facility services. The program is voluntary, so
there is no penalty for not using a PHCS participating provider; but you can
reduce your out-of-pocket medical expenses by using the program. Simply call
PHCS at 1-800-678-7427 or visit PHCS on the web at www.phcs.com to verify
that your doctor or hospital is part of the PHCS Healthy Directions Network.
At the time of service present your Short Term Medical Insurance
Identification Card with the PHCS logo on it and your provider will bill you
at the reduced network rate for services if applicable.* A. In addition to your insurance plan, you’ll be able to take advantage of
low-cost laboratory testing by having lab tests performed by LabOne. Using
LabOne Select can save you up to 40% over other providers!* * PHCS and LabOne are not affiliated with the Standard Security Life
Insurance Company of New York nor are they a part of the Secure 12x3 STM
insurance plan. A. In addition to your insurance plan, you’ll also enjoy access to
discounts on prescription drugs through our Rx Drug Card in over 42,000
pharmacies nationwide.* The Rx Drug Card is not an insurance benefit and
therefore there is no deductible, no claim forms and no pre-existing
conditions.* The Rx Drug Card is intended to help you find low cost
medications within the same therapeutic class as a drug you may currently be
taking. With this formulary program you pay up to $10 for Generic Drugs.
Savings on Brand Name and Select Generic Drugs are as high as 45% off retail
cost. *The Rx Drug Card is not affiliated with the Standard Security Life
Insurance Company of New York nor is it a part of the Secure 12x3 STM
insurance plan. Q.
Who eligible for this coverage?
Q.
When does my coverage begin?
Q.
How does this coverage work?
Q.
How do I apply for this coverage?
Q.
How is this coverage billed?
Q. Can I get a
refund of my premium if I am not satisfied?
Q.
How long will Secure 12 x 3 STM coverage last?
Q.
How can I have additional coverage after the 12 month Coverage Period is
complete?
Q. Once my
coverage is issued, do I have the option to select my doctors, hospitals and
medical providers?
Q. Does the Secure 12 x 3
STM have a Preferred Provider Organization (PPO) Network?
Q. What is Lab One Select?
Q. How does the Rx Drug
Card work?
Q. What is the optional
Supplemental Accident Benefit?
A. If purchased, the Supplemental Accident Benefit covers $500 of covered expenses caused by an accidental injury. The first treatment must be within 72 hours of the accident and only expenses within 90 days after the accident are covered. After the $500, the balance of the expenses is subject to the plan deductible and coinsurance.
A. STM pays covered expenses up to your Coverage Period maximum of $750,000*
*Certain conditions have limited maximum benefits; see “What services/conditions are limited or excluded from coverage?” Refer to the Exclusions and Limitations section for specific terms and conditions.
A. Pre-existing conditions are not covered. The preexisting conditions limitation includes conditions that were treated or produced symptoms, within five years prior to the effective date of your Secure 12x3 STM Coverage Period. However, any condition covered during subsequent consecutive Secure 12x3 coverage periods will be covered, whether or not it is a pre-existing condition.
A. Yes, this plan is designed to protect you in the event of an illness or injury. Short Term Medical is for temporary coverage only and therefore does not include some of the benefits a permanent health plan offers. Please refer to the Exclusions and Limitations section of this web site for full details.
A. Contact HPA, Inc. the Plan's Administrator, at 1-800-277-3323 between 8:30am- 5:00pm Eastern Time. Or, you may e-mail them at newsales@hpa-inc.com. They will rush an application, rates and coverage description right away.
A. Standard Security Life Insurance Company of New York Standard Security Life Insurance Company of New York is rated A (Excellent) for financial condition by A.M. Best Company. A.M. Best ratings range from A++ to D.
A. Communicating for America (CFA)* is a division of Communicating for Agriculture and the Self Employed, Inc. CFA provides members with valued benefits and savings since 1972. This Short Term Medical insurance coverage is available to members of CFA.
A. Health Plan Administrators, Inc. (HPA), Rockford, IL
Health Plan Administrators, Inc is a Fully Licensed, Full Service, Third
Party Administrator servicing businesses worldwide. HPA has provided
innovative health care solutions for over 60 years, meeting customer's needs
with integrity, creativity and value. We strive to provide the best possible
coverage in a cost effective manner. We, in conjunction with our trusted
insurance carriers, share a mutual desire to provide important benefits to
our customers and to meet their needs in an innovative, hassle-free manner.
1-800-277-3323
Secure 12 x 3 STM
Secure 12 x 3 STM
Are pre-existing conditions covered?Pre-existing conditions are not covered. The preexisting conditions limitation includes conditions that were treated or produced symptoms, within five years prior to the effective date of your Secure 12x3 STM Coverage Period. However, any condition covered during subsequent consecutive Secure 12x3 STM coverage periods will be covered, whether or not it is a pre-existing condition.
Is there a free look period?
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.
What services are not covered?
The following is a partial list of services or charges not covered by Secure 12x3 STM:
The limitations and exclusions may vary by state. Please see the Certificate of Insurance for detailed information about these and other plan limitations and exclusions.
How can I have additional coverage after the 12 month Coverage Period is complete?
When your Coverage Period is almost over, you will receive an application form to apply for another 12 month Coverage Period.* If you re-apply within 30 days prior to the termination date of your coverage, and your application is approved in underwriting, a new Coverage Period will be issued, effective day following the termination date of your Coverage Period. We will issue you a new Certificate of Insurance and new deductible and coinsurance will apply. However, the pre-existing conditions limitation will not apply to any condition(s) that were covered during a prior Coverage Period. Any other pre-existing conditions will remain subject to the pre-existing conditions limitation as described in the Certificate of Insurance.
*The coverage and rates may be different and are subject to state availability. You must be under age 65 to reapply for coverage.
When does coverage terminate?
Coverage ends when the premium is not paid when due; or you cease to be a member of the association; or the group master policy terminates; or you enter full-time active duty in the Armed Forces; or you become eligible for Medicare; or the elected Coverage Period expires; or Standard Security Life Insurance Company determines fraud or misrepresentation has been made in filing a claim for benefits; or a dependent ceases to be eligible.
What is a usual, reasonable and customary charge?
Usual, Reasonable and Customary means with respect to fees or charges, fees for medical services or supplies which are usually charged by the provider for the service or supply given and the average charge for the service or supply in the locality in which the service or supply is received; whichever is less, or with respect to treatment or medical services, treatment which is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as Usual, Reasonable and Customary for services and supplies; we may use and subscribe to a standard industry reference source that collects data and makes it available to its member companies.
Do I need precertification?
Pre-admission certification prior to eligible inpatient hospitalization or surgery by the covered individual within 48 hours is required. This is not a guarantee of benefits. Failure to precertify will result in a benefit reduction of 50%. Call 1-800-367-9938 for precertification.
Is there an extension of benefits after the plan terminates?
If a member, or insured dependent is receiving benefits for a hospital confinement on the date that the Certificate ofInsurance terminates (for other than non payment of premium), benefits will continue in accordance with the terms of the Certificate of Insurance for as long as that confinement remains. However, in no event will coverage continue beyond the end of 90 days following the date the coverage terminates when the Insured becomes eligible for other coverage for the same conditions or the maximum benefits have been reached. Benefits payable are subject to a new Deductible Amount and satisfaction of Coinsurance Limit.
Secure 12 x 3 STM
HPA offers the fastest way to apply for health insurance because the plans offered on our website can be submitted and signed electronically. Our online process enables consumers to go through the entire purchasing process electronically, replacing the health insurance industry's traditional paper-based application process. Processing time is reduced because your application is immediately subjected to the insurance carriers underwriting guidelines for instant approval. There's no need to manually print and mail the applications for these plans. At the conclusion of this application, you will be able to print out your insurance documents for your personal records. Your policy will not be considered in-force until payment is received and processed. If payment is not received by date specified policy will be voided.
About The Companies
Who is the Administrator?
Health Plan Administrators, Inc. (HPA), Rockford, IL
Health Plan Administrators, Inc is a Fully Licensed, Full Service, Third
Party Administrator servicing businesses worldwide. HPA has provided
innovative health care solutions for over 60 years, meeting customer's
needs with integrity, creativity and value. We strive to provide the
best possible coverage in a cost effective manner. We, in conjunction
with our trusted insurance carriers, share a mutual desire to provide
important benefits to our customers and to meet their needs in an
innovative, hassle-free manner.
Who is the Insurance Company?
Standard Security Life Insurance Company of New York
Standard Security Life Insurance Company of New York is rated A
(Excellent) for financial condition by A.M. Best Company, as of 06/04.
A.M. Best ratings range from A++ to D.
Who is the Association Provider?
Secure 12 x 3 STM
Insurance contracts are administered by Health Plan Administrators, Inc. and underwritten by various insurance carriers.
Although this internet site provides a good description of the important features of the plans, this is not the insurance contract and only the actual contract defines coverage. The policy itself sets forth in detail the rights and obligations of both you and the Insurance Company. Please read your policy carefully when you receive it.
If you would like more complete information, please e-mail or call us
at:
Telephone: 1-888-VIPERME
E-mail:
info@viperhealthinsurance.com
HPA makes no judgment or warranty with respect to the accuracy, timeliness, or safety of the content of Internet sites to which these pages link and takes no responsibility therefore a link to a site outside of HPA is not an endorsement of the site, its content, or its sponsoring organization
PRIVACY POLICY
When you become a HPA, Inc. customer, you entrust us with your personal
data. We consider your data to be private and confidential, and we hold
ourselves to the highest standards of trust and fiduciary duty in their
safekeeping and use.
HPA, Inc. will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:
HPA, Inc. receives your prior written consent.
HPA, Inc. believes the prospective recipient to be you or your
authorized representative.
HPA, Inc. is required by law to release information to the recipient.
Questions about your medical history and physical condition are required
by our insurance carrier partners and will be released to the insurer so
that they may underwrite your insurance application. HPA, Inc. will not
give or sell information about you to any other company, individual, or
group without your prior authorization.
HPA, Inc. will only use information about you to help us better serve your insurance needs or to suggest HPA, Inc. services or insurance materials that may be of interest to you.
To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.
Occasionally, HPA, Inc. may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is HPA, Inc.'s policy to keep this information confidential. We will not share individual marketing data gathered from our website with individuals or business entities not affiliated with HPA, Inc.
We are also a registered licensee of Equinox. Equinox is an independent, non-profit initiative whose mission is to build users' trust and confidence in the Internet by promoting the principles of full disclosure and informed consent. To demonstrate our commitment to your privacy, we regularly have our information privacy practices reviewed and audited for compliance.
We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and
procedural safeguards to protect the Information against unauthorized
access and use. We restrict access to the Information to those employees
who need access to provide products and services to you and your
dependents. The personnel who have access are trained in the proper
handling of the Information. Employees who violate this strict level of
confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE
COLLECT
In the normal course of business we may collect the following types of
Information:
HOW WE USE YOUR
INFORMATION
· We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
· We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
· We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain the accuracy of
Information that is in our possession about you. In order to help us
maintain accuracy, you have the right to reasonably access your
information. If you believe any information in our possession is
inaccurate, a request can be made to amend or delete the information
that you believe to be erroneous. If we concur with the request, we will
amend or delete the information in question. You may write our Privacy
Office at the address below to receive our complete policy on accessing
and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice.
We reserve the right to make the revised Notice effective for the
Information we already have about you as well as any Information we
receive in the future. If we make any material changes to our policies
or practices, we will provide you with a copy of a revised Notice. We
will post a copy of the current Notice on our websites. The Notice will
contain in the top right-hand corner, the effective date.
You may contact our Privacy Office at:
HPA, Inc.
P.O. Box 15250
Rockford, IL 61132-5250
Copyright ©2003,2004,2005 HPA
Copyright © 2006 viperhealthinsurance.com VIPER is a Registered Trademark of VIPER Health Insurance
(Standard Security Life Insurance Company of New York) Short Term Medical coverage from up to 12 months of coverage, You can apply for three consecutive 12 month coverage periods, up to a maximum of 36 months in all. Eligibility up to age 65. Freedom to choose any doctor or hospital; Choice of $500, $1,000, $2,500, and $5,000 deductibles; pay monthly, cancel at anytime; Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft; Child only coverage is available.
Detailed Plan Information
Eligibility & Effective Dates Important Facts Covered Expenses Exclusions & Limitations Instant Approval Companies Security & Privacy
" I think all companies large & small should utilize the insurance programs offered through VIPER Health Insurance " Lance R. - Florida
