IHC Health Short Term Medical (STM)

Formerly Health Plan Administrators (HPA)

Secure STM

Just because you don't have health insurance right now doesn't mean you may not have health problems. The Secure STM allows you and your family up to age 65 to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.

Policy Highlights

  • Coverage options from 30 days up to 6 or 12 months
  • $2 Million lifetime maximum per covered person
  • Choice of deductibles - $250, $500, $1,000, $2,500, or $5,000
  • Choose any doctor or hospital
  • Eligibility up to age 65
  • Child-only coverage available
  • Insured by Standard Security Life Insurance Company of New York

Secure Saver STM

Secure Saver protects you and your pocketbook! Instead of a calendar-year deductible, this plan offers a choice of four daily maximums. Choose a daily-deductible maximum of $250 for individual coverage and your expenses will not exceed $250 per day for any covered expense. Plus you still have a convenient $50 co-pay for a physician office visit charge. All other covered medical services are subject to the daily maximum.

Policy Highlights

  • Convenient Daily Deductible
  • $50 co-pay for physician office visit
  • Choose any doctor or hospital
  • Choice of $250, $500, $750 and $1,000 deductibles
  • $2 Million lifetime maximum per covered person
  • Coverage options from 30 days up to 6 or 12 months
  • Insured by Standard Security Life Insurance Company of New York

Secure Lite STM

Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. Secure Lite STM allows you and your family up to age 65 to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.

Policy Highlights

  • $25 per doctor office visit (up to 4 visits per coverage period)
  • Choose any doctor or hospital
  • Choice of $500, $1,000, $2,500, and $5,000 deductibles
  • Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft