Connect STM
Short Term Health Insurance
NOTE: As of 12/31/2022 Independence American Insurance Company (IAIC) no longer offers Short Term Medical, Dental, Hospital Indemnity, Accident, and Critical Illness Insurance or Vision Coverage. Current policy's will remain active.
Connect STM - Short Term Medical plan includes $2,000,000 in coverage per person with the choice of deductibles. Next Day Coverage is available. Quote, Apply and Print your documents in less than 10 minutes. Underwritten by Independence American Insurance Company.
$50 Physician Office Visit Copay
After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance. Once the visit limit is exceeded, additional covered office visits are subject to plan deductible and coinsurance.
$50 copay per visit, subject to limits below
• 30-90 day coverage period: not to exceed one visit
• 91-180 day coverage period: not to exceed two visits
• 180-364 day coverage period: not to exceed three visits
Connect STM Options
For an additional premium, you can include Dental Insurance, Accident Medical Expense (Metal Gap) and a Rx Copay plan.
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Pays up to $2,000,000 Policy Period Maximum per Covered Person
- Choice of Coverage Periods - 30 to 364 days depending on your state
- Cancel at any time - Monthly plans can be canceled at any time
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Choice of Deductibles - $2,500, $5,000 or $10,000
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Coinsurance options - The Insurance company pays 80%,70% or 50% after your deductible is satisfied
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Child Only Coverage is available - the minimum age is two years old
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$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.
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Free Look Period ensures your satisfaction with a 10-day money back guarantee
- 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
After applying online, you will access to your plan documents and ID cards. You will receive information on how to setup and access your online account. You will also receive your ID cards by mail.
Connect STM Plan Details
Independence American Insurance Company provides affordable Connect short-term medical insurance to protect you and your family. You should consider purchasing Connect 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 Connect STM 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 network provider will lower your out of pocket costs and make the claims process much easier.
- 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
Covered expenses
All benefits, except physician office visits applied to the copay, are subject to the selected plan deductible and coinsurance percentage unless otherwise noted below. Covered expenses are limited by the usual, reasonable and customary charge as well as any benefit-specific maximum listed in the schedule of benefits. If a benefit-specific maximum does not apply to the covered expense, benefits are limited by the coverage-period maximum. Benefits may vary based on your state of residence.
| Covered expenses include treatment, services and supplies for: | Connect STM |
| Emergency room, up to the amount shown per day | No daily limit |
| Ground ambulance, up to the amount shown per occurrence | $500 |
| Air ambulance, up to the amount shown per occurrence | $1,000 |
| Outpatient hospital surgery or ambulatory surgical center, up to the amount shown per day | No daily limit |
| Surgeon services in the hospital or ambulatory surgical center, up to the amount shown per surgery | No surgery limit |
| Outpatient miscellaneous medical expense1 services, up to the amount shown per coverage period* | No miscellaneous services limit |
| Inpatient hospital room and board and general nursing care for the amount billed for a semi-private room or 90 percent of the private room billed amount; not to exceed the amount shown per day | No daily limit |
| Inpatient intensive care or specialized care unit for three times the amount billed for a semi-private room or three times 90 percent the private room billed amount; not to exceed the amount shown per day | No daily limit |
| Inpatient physician visits; not to exceed the amount shown per day | No daily limit |
- Prescription drugs administered while hospital confined
- X-ray exams, laboratory tests and analysis
- Anesthesiologist services, not to exceed 20 percent of the primary surgeon’s covered charges
- Assistant surgeon services, not to exceed 20 percent of the primary surgeon’s covered charges
- Surgeon’s assistant services, not to exceed 15 percent of the primary surgeon’s covered charges
- Organ, tissue or bone marrow transplants, not to exceed $150,000 per coverage period*
- Acquired Immune Deficiency Syndrome (AIDS), not to exceed $10,000 per coverage period*
- Blood or blood plasma and their administration
- Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and chemotherapy services and equipment rental
- Mammography, pap smear and prostate specific antigen test, covered at specific age intervals and when recommended by a physician, NOT subject to the plan deductible
*If the Connect STM Extend or Connect Value Extend plans are selected, coverage-period maximums reset after the initial 364 days and each 12 month coverage period after.
1 Refer to the policy for complete details
Pre-Existing Condition Limitation – The short-term limited duration medical expense product does not provide portability of prior coverage. Any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years* immediately preceding the covered persons’ effective date of coverage; or symptoms within the five years* immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment will not be a covered benefit. *6 months in ID, KY, MI, ND, NH, NM, OH, WA, WY; 12 months in CO, IN, LA, MD, ME, MS, NC, NV, SD, VA; 24 months in CT, FL, IL, UT; or 36 months in MT.
Connect STM and Connect Value: A pre-existing condition will not be a covered benefit. Connect Plus: A benefit of up to $25,000 is available for eligible medical expenses for pre-existing conditions, per person, per policy.
This product is not considered to be Minimal Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA).
About Independence American Insurance Company:
Independence American Insurance Company is domiciled in Delaware and is licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).
Long Term Consumer Care, Inc. is a insurance agency / producer licensed in most states and is not an employee of IHC.
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 Connect STM Short term Medical Coverage can be selected for 30 to 364 days depending on the state. If coverage is needed longer than 364 days, up to 24 months may be added to the initial coverage duration through the Connect STM Extend or Connect Value Extend plans, available in select states. Extended durations must be chosen at time of application. Connect Plus does not offer a coverage period extension. The maximum allowable duration varies by state.
Your Connect 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)
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