Secure Lite

Short Term Health Insurance

Secure Lite STM - Short Term Medical plan is the lowest priced temporary coverage option. Next Day Coverage is available. Quote, Apply and Print your policy in less than 10 minutes. Underwritten by Security Life Insurance Company of NY.

Rated A- Excellent by AM Best
Available in all states Except: CT, MA, NJ, NY, ND, VT, WA
Secure Lite STM - Short Term Medical plan is one of the least expensive short term plans on the market. The short term coverage includes a $750,000 lifetime maximum per person. The deductible options range from $500 to $5,000. Other options are available such as a Prescription copay plan and the Secure Lite also includes the STM Enhancement Series discount plan. The Secure Lite STM does have some medical limits but, that keeps this short term plan very affordable.
Simply Enter your Zip Code and Birth Date for a instant Quote
Secure Lite STM - Quote or Apply
Note: When running a quote, you will see many different IHC short term medical plan options including the Secure Lite STM. Use the menu on the quote screen to sort by cost, deductible and more.
Call 1-800-544-9505 with Questions

Doctor Office Copay

$50 Copay. The Copay applies to each Doctor office visit
charge. After the Copay, the balance of the Doctor office
visit charge is covered at 100%.

Secure Lite STM Options

For an additional premium, you can include Dental Insurance, Accident Medical Expense (Metal Gap) and a Rx Copay plan.

Secure Lite STM Features

 

  • Pays up to $750,000 Lifetime Maximum per Covered Person

  • Choice of Coverage Periods - 30 days to 6 or 12 months or the exact number of days

  • Use any doctor or hospital. Save more by using a > Multiplan Network provider

  • Choice of Deductibles - $500, $1,000, $2,500 or $5,000

  • Coinsurance options - The Insurance company pays 80% or 50% of $10,000

  • Choose a monthly plan or receive a discount when choosing the single payment option

  • Child Only Coverage is available - the minimum age is two years old

  • $50 Office Visits Copay- The $50 Copay applies to the physician’s consultation charge. After you pay $50, the plan pays 100 percent of the consultation charge balance with no deductible.

  • Free Look Period ensures your satisfaction with a 10-day money back guarantee

Secure Lite STM Coverage is ideal for those who are
  • Between jobs or laid off - Waiting for employer benefits
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Print your policy and ID cards right after you apply

When applying online, you will be able to print your policy and ID cards or save everything to your computer.

Secure Lite STM Plan Details

Secure Lite Short Term Coverage Details

The IHC Group (Independence Holding Company) provides affordable short term health insurance to protect you and your family. You should consider purchasing Secure Lite STM if you are looking for a low cost plan to protect yourself and family from the potentially high medical costs associated with an unexpected accident, injury or illness.

With IHC you will have many plan options to choose from. You can choose your deductible, coinsurance out of pocket limits, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties. Using a Multiplan network provider will lower your out of pocket costs and make the claims process much easier.

Secure Lite STM Coverage is ideal for those who are

 

  • Between jobs or laid off - Waiting for employer benefits
  • Retired individuals (under 65) waiting for Medicare
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Secure Lite STM - Coverage Information

After you satisfy your deductible, Secure Lite STM will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum of $750,000.

Coverage Details

 

  • Physician Office Visit: $50 Copay. The Copay applies to each Doctor office visit charge. After the Copay, the balance of the Doctor office visit charge is covered at 100%.

  • 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**

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

  • In-Hospital Physician 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

  • Outpatient or Physician Office Miscellaneous Charges:** Up to $1,000 per Coverage Period

  • Ambulance Services: Up to $250 per trip

  • Organ Transplants: Up to $150,000 lifetime maximum

  • Acquired Immune Deficiency Syndrome (AIDS): Up to $10,000 lifetime maximum***

  • 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****

**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 AZ, CA, CO, DC, ID, IN, MD, ME, MO, NH, NC or ND. In KS the maximum per Coverage Period is $75,000.
****Benefits are covered subject to coinsurance and any specific limits including outpatient or doctor’s office miscellaneous limits.
Benefits vary by state. Refer to your policy

EyeMed Vision Plan

Secure Lite STM Short Term Medical is insured by Standard Security Life Insurance Company of NY, Standard Security Life Insurance Company of New York (Standard Security Life) is a wholly owned subsidiary of Independence Holding Company, (NYSE:IHC) with principal interests in the life and health insurance business. Also in The IHC Group are Madison National Life Insurance Company, Inc. and Independence American Insurance Company. The IHC Group has consolidated assets of more than one billion dollars, as of June 2010.

Standard Security Life was founded in 1958, is domiciled in the State of New York, and is headquartered in New York City. It is licensed in all 50 states, the District of Columbia, the Virgin Islands, and Puerto Rico. Standard Security Life is rated A- (Excellent) by A.M. Best Company, Inc.

The Secure Lite is insured by Standard Security Life Insurance Company of New York (Standard Security), a member of the IHC Group. Standard Security is rated A- (Excellent) by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insureds.
The IHC Group is an insurance organization comprised of Independence Holding Company (NYSE: IHC) and its operating subsidiaries. The IHC Group has been providing life, health and stop-loss insurance solutions for over 25 years.

 

This Site provides a brief description of the benefits, exclusions and other provisions of the group policy (may vary by state). For complete listing, see the Policy/Certificate of Insurance. Benefits may vary by state.

Low Price Guarantee

 

Secure Lite STM

MultiPlan Network

Long Term Consumer Care, Inc. BBB Business Review

 

 

FAQ

Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.

The Secure Lite STM Short term Medical coverage is available for as little as 30 days and you can keep it for up to 6 months or a maximum of 364 days depending on what state you live in.

 

You can also choose the single payment option for your temporary coverage and receive a discount on the premium.

 

If your coverage is running out and you need additional coverage, complete a new applicaion and a new policy can be issued.

Your Secure Lite STM short term coverage can begin as early as the next day. You can also select a later effective date (up to 60 days in the future)

Accident Medical Plans

Medicare Gap

Did you know that about 10,000 people turn 65 each day?

Many of our customers are turning 65 in the next year. Many choose a short term medical plan to cover them until they turn 65.

Application Fee

The application fee charged by the insurance company is $25. We don't add any additional fees to any of the plans we offer.

No Out-of-Network Penalties

Secure Lite Short Term Medical customers have the freedom to choose doctors and hospitals in the MultiPlan Network or outside of the network without facing out-of-network penalties.

Free Discount Plans

Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051