The Secure Lite STM - Short Term Medical Insurance Plan

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Secure Lite 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.


  •   Coverage for up to 6 months
  •   $25 per doctor office visit
  •   Choice of $500, $1,000,$2,500, and $5,000 deductibles  
  •   Choose any doctor or hospital
  •   Unlimited re-applies
  •   Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft

Perfect for...

  •   Those self-employed
  •   Part-time and temporary employees
  •   Those needing a COBRA alternative
  •   Dependent Child Coverage
  •   College Students / New Graduates

Next Day Coverage Available!

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.

Insured By:
Standard Security Life Insurance Company of New York
Rated A (Excellent) for financial condition by A.M. Best Company
A.M. Best ratings range from A++ to D.

Covered Expenses

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 to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.

How does the plan work?

Secure Lite STM pays benefits for each covered person in the following manner (subject to specific benefit limits):

    1. You are responsible for eligible expenses until the deductible is satisfied. Choose from four options: $500, $1,000, $2,500 or $5,000 (maximum of 3 deductibles per family)
    2. For most covered services, Secure Lite STM then pays 80% or 50% of the next $10,000 of covered expenses.
    3. After this, Secure Lite STM 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.

How long will Secure Lite STM coverage last?

HPA’s Secure Lite STM insurance is specifically designed to fill temporary health insurance needs. You can apply for up to a 6 month coverage period.

What medical expenses are covered?

After satisfying the deductible amount you've selected, Secure Lite STM will pay the coinsurance you’ve selected for covered expenses, up to a maximum of $750,000 per Insured person per Coverage Period.*

The Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.

Doctors Office Visit: up to $25 per visit up to four visits per coverage period. After the office visit, the balance of the charge is subject to the plan deductible and coinsurance up to $1,000 per Coverage Period.

In-Hospital regular care charges: up to $1,000 per day; includes daily room and board and all miscellaneous charges**

In-Hospital Intensive or Critical Care charges: 3 times the average semi-private room rate up to $1,250 per day; includes daily room and board and all miscellaneous charges**

Outpatient Hospital Surgery & Ambulatory Surgical Center charges: up to $1,000 per day includes cost of operating room and all miscellaneous charges**

Out-Patient Emergency Room: up to $500 per day includes the emergency room physician charge, 24 hour surveillance and all miscellaneous charges**

In-Hospital Doctors visits: up to $500 maximum per hospital stay

Surgeon and Anesthesiologist: up to $2,500 per procedure up to $5,000 maximum per Coverage Period

Out-Patient or Doctors Office miscellaneous charges**: up to $1,000 per Coverage Period

Ambulance Services: up to $250 per emergency

Organ Transplants: $150,000 maximum per Coverage Period

Acquired Immune Deficiency Syndrome (AIDS): $10,000 maximum per Coverage Period

Mammography, are covered subject to deductibles, coinsurance and any specific limits

Pap Smear and Screens (includes PSA) are covered subject to deductibles, coinsurance and any specific limits

*Benefits for gall bladder surgery are limited to a $2,500 per Coverage Period per insured person. Benefits for injury or disorders of the knees are limited to a $2,500 per Coverage Period per insured person. Benefits may vary by state.

**Miscellaneous charges where indicated includes: X-rays, scans, laboratory, blood, therapy, oxygen, casts, splints, medicines, injections, chemotherapy and medical supplies.

** 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?

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.

Does the STM have a Preferred Provider Organizations (PPO) Network?

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 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.*

What is Lab One Select?

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 Lite insurance plan.

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.

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 of Insurance 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.

This website provides a brief description of the benefits, exclusions and other provisions of the group Master Policy Form SSL-STMP-1104. For complete listing, see the Policy/Certificate of Insurance. Benefits may vary by state. Secure Lite STM is not available in all states.

Association membership may be required in some jurisdictions.