Health Insurance Frequently Asked Questions (FAQ's)
The purpose of this section is to provide an
overview of Liberty Select Temporary Health Insurance Plan. Below are some
frequently asked questions regarding this valuable coverage.
Q. Who needs short term health insurance
A. Short Term Health 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
comprehensive coverage provides many special and unique coverage features
while maintaining a very competitive premium structure.
Q. Who is eligible for short term health
A. Secure STM is offered to CFA members (by enrolling in this plan, you
automatically become a member of the Communicating for America
Association), 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.
Child Only Coverage:
When applying for coverage ONLY on the child(ren), the minimum age is 2
years old. The 2-19 premium rate (male or female, based on the gender of
the child applicant) for the youngest child is used; then the per child
rate for each of the other siblings to be insured on the plan. Please
enter the youngest child as the applicant, and all other child(ren) as the
dependents. The parent or legal guardian must sign and date the
application. Children age 19 and older must apply separately.
Q. How does temporary health insurance
A. The benefit options for covered expenses are per insured person per
First, you meet your deductible. Choose from four options: $250, $500,
$1,000 $2,500 or $5,000
Then Liberty STM pays 80% of the next *$5,000 of covered expenses
After this, Liberty STM pays 100% of covered expenses up to your lifetime
maximum of $2 million
Q. Once my coverage is issued, do I have the
option to select my doctors, hospitals and medical providers?
A. Yes. You have the freedom to select the doctors and hospitals of your
choice. This plan is not an HMO or PPO.
Q. How long may I be insured under this
A. Liberty 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.
Q. What are the coverage limits under this
A. This plan pays a lifetime maximum of $2,000,000 for each insured.
Q. Are pre-existing conditions covered under
A. This plan does not provide benefits for pre-existing conditions, work
related conditions, and preventive care. 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.
Q. Are there expenses not covered under this
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.
Q. How do I apply for short
term health insurance coverage?
A. First, make sure you do not live in a state where the Plan is not
look up the rates that apply to you based on your gender and zip code.
Then, complete the application, e-sign it, and pay online or mail the
application 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
Q. Can I get a refund of my premium if I am
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
Q. How is temporary health insurance
A. After submitting your enrollment form with first month's premium, you
will then be billed 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.
Q. When does my temporary health insurance
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.
Q. Who is the Insurance Company?
A. 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.
The plan's administrator is Health Plan
Administrators, Inc. (HPA) is a fully licensed, full service third-party
administrator transacting business worldwide. HPA is a third generation
company dating back to 1939 and an industry leading services include:
professional customer service, prompt claims payment, state of the art
billing and reporting. For policy issue, billing, commission accounting,
claims adjudication, and policy owner services, please call
This is only a general summary of the features
of the Liberty Medical Plan. Complete short term health insurance plan
details may be found in the Master Policy. Benefits and policy provisions
may vary by state.