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.
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.