Short Term Health Insurance - Liberty STM

Temporary 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 coverage?
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 insurance coverage?
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 coverage work?
A. The benefit options for covered expenses are per insured person per coverage period.
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 temporary plan?
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 plan?
A. This plan pays a lifetime maximum of $2,000,000 for each insured. 

Q. Are pre-existing conditions covered under temporary health insurance?
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 plan?
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 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 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 not satisfied?
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.

Q. How is temporary health insurance coverage billed?
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 coverage begin?
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 1-800-397-5800.

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.


For More Information, Contact: Long Term Consumer Care, Inc.
Toll Free: (800) 544-
Product Availability Varies By State


Copyrightę 2005, Long Term Consumer Care, Inc.