Secure Lite

Plan Detail

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Standard Security Life Insurance Company of New York.

Plan best suited – Available to all members of communicating for America.
Ages – 18 year to 64 years , their spouses and dependent children up to age 26.
Coverage: 30 days to 12 months.
Maximum Benefit: $750,000 is the maximum amount of covered charges that will be considered under the Secure Lite plan per covered person, per coverage period
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
Pre-Existing -- Secure Lite will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is 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 person effective date of coverage.

Benefits Description Pre-existing Coverage Exclusions Claim Provider Network

Exclusions

The following is a partial list of services or charges not covered by Secure Lite ⁴:

Any services that are not medically necessary, as defined in the policy
Eye exams, eyeglasses, hearing aids
Dental or orthodontic services and any treatment for jaw joint problems
Outpatient prescription or legend drugs and medications
Conditions resulting from an act of war
Pregnancy or childbirth, except for complications of pregnancy; newborn treatment prior to discharge from the hospital, unless the charges are medically necessary to treat premature birth, congenital injury or sickness, or sickness or injury sustained during or after the birth; any infertility or sterilization treatments
Spinal manipulation or adjustment
Services or supplies provided by your immediate family
Medical care received outside of the United States, Canada or its possessions
Charges eligible for payment by Medicare and any expenses paid or payable under Workers´ Compensation
Cosmetic surgery, treatment for acne, hair loss or varicose veins
Physical exams and other services not needed for medical treatment, except as specifically covered preventative care and immunizations
Experimental or investigational services
Learning disabilities, attention deficit disorder, hyperactivity or autism
Mental illness or nervous disorders, suicide or attempted suicide
Alcohol or drug dependency and disorders
Obesity treatment or weight reduction, including all forms of intestinal or gastric bypass surgery performed for obesity treatment.
Sleep disorders
Participation in school or organized competitive sports or any high-risk sport, including riding an all terrain vehicle, snowmobile or go-cart

4 The limitations and exclusions may vary by state. Please see the Policy/Certificate of Insurance for detailed information about these and other plan limitations and exclusions.