Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Standard Security Life Insurance Company of New York.
Secure Lite is available to all members of Communicating for America who are between the age of 18 to 64, their spouses, and dependent children up to age 26.5 Each applicant must be able to qualify based on the plan’s application questions and underwriting guidelines. Child-only coverage is available for ages 2 through 18.
5 CA membership requirement varies by state.
Coverage begins as early as the day following your online application submission or the postmark date stamped on your envelope. You may request a later effective date up to 60 days after the application date.
All coverage is subject to approval and payment of the first premium.
If you are not completely satisfied with this coverage and you have not filed a claim, you may return the certificate of insurance within 10 days and receive a premium refund.
You must notify the professional review organization 10 days prior to a non-emergency hospital admission or surgery and 48 hours, or as soon as reasonably possible, following an emergency admission to the hospital. Failure to precertify will result in a benefit reduction of 50 percent. Precertification is not a guarantee of benefits.
Secure Lite is specifically designed to fill a temporary insurance need. Coverage stops at the end of the period for which you apply. Depending on the payment option you select, coverage can continue for one to six months, or up to 12 months. The 12-month coverage option is not available in all states.
If your need for temporary health insurance continues, most states allow you to apply for another Secure Lite plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation.
Coverage ends on the earliest of the date the premium is not paid when due; you cease to be a member of the association6; the group master policy terminates; you enter full-time active duty in the Armed Forces; or Standard Security Life Insurance Company of New York determines fraud or misrepresentation has been made in filing a claim for benefits. A dependent’s coverage ends on the earliest of the date your coverage terminates; or the dependent becomes eligible for Medicare; or the dependent ceases to be eligible.
Secure Lite provides affordable, temporary medical coverage for physician services, surgery, outpatient and inpatient care.
Underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group. The IHC Group is an insurance organization composed of Independence Holding Company (NYSE:IHC) and its operating subsidiaries and has been providing life, health and stop loss insurance solutions for more than 25 years. For more information on Independence Holding Company and The IHC Group, visit www.ihcgroup.com.
They can happen at any time—to anyone— and may cause serious financial hardship.
When life leaves you temporarily uninsured, the Secure Lite medical insurance plan helps protect you in the meantime. Secure Lite offers short-term coverage with affordable premium achieved through carefully selected benefit limitations. Coverage is available for 30 days to 12 months.
While the need for short-term coverage may be anticipated after college graduation, there are employment or life changes that also present the need for temporary medical insurance.
Coverage can begin as early as the day following your online application submission and last up to 12 months.* Most states also allow you to re-apply and extend coverage on a new Secure Lite plan if your temporary need for health coverage continues.
Secure Lite offers two options for payment: monthly or single. Payments may be made monthly for up to 6 or 12 months using check, money order, credit card or automatic bank withdrawal. If your need for coverage ends earlier than expected, simply send written notification.
If you know exactly how many days you need coverage, you can pay the entire premium up front at a reduced rate. Single payments can be made for a minimum of 30 days to a maximum of 180 days by automatic bank withdrawl, check, money order or credit card.
Inpatient covered expenses
1 Benefits may vary by state
2 Miscellaneous charges include X-rays, scans, laboratory, blood, therapy, oxygen, casts, splints, medicines, injections, chemotherapy and medical supplies.
3 The AIDS maximum of $10,000 per coverage period does not apply to policies/certificates issued to residents of AZ, CA, CO, DC, ID, MD, ME, MO, NH, NC or ND. The maximum benefit in KS is $75,000 per coverage period.
7 (CA) provides many discounts to its members. Your enrollment as a member of CA is completed upon receipt of the association dues. Your membership information will be mailed shortly thereafter. Secure Lite is available to residents of ID, IN, KS, LA, ME, MD, MN, MT, ND, NH, NV and SD on an individual basis and not through CA. Therefore, membership is not required in these states.
7 CA is not affiliated with Standard Security Life Insurance Company of New York, nor is it part of the insurance coverage. CA is a 501c5 non-profit association headquartered in Fergus Falls, Minn., with an office in D.C., providing members valued benefits and savings since 1972.
Secure Lite plan 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 and their relative financial strength and ability to meet their obligations to their insured. Standard Security has chosen IHC Health Solutions, also a member of The IHC Group, to provide service for your Secure Lite plan.
The IHC Group is an insurance organization composed of Independence Holding Company (NYSE:IHC) and its operating subsidiaries. The IHC Group has been providing life, health and stop-loss insurance solutions for more than 25 years. For more information on Independence Holding Company and the IHC Group, visit www.ihcgroup.com.
This brochure provides a brief description of the benefits, exclusions and other provisions of the group policy Form SSL-STMP-1104 and individual policy SSL-ISTM-1104 (form number may vary by state). For complete listings, see the Policy/Certificate of Insurance. Secure STM is not available in all states and benefits may vary by state.