Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Standard Security Life Insurance Company of New York.
All benefits listed apply per covered person, per coverage period. Refer to the descriptions below the chart for additional benefit details.
Deductible |
|
Coinsurance percentage and out-of-pocket |
Out-of-pocket:
Out-of-pocket:
|
Coverage-period maximum benefit |
$750,000 |
All benefits listed apply per covered person, per coverage period. Refer to the descriptions below the chart for additional benefit details.
Deductible |
|
Coinsurance percentage and out-of-pocket |
Out-of-pocket:
Out-of-pocket:
|
Coverage-period maximum benefit |
$2,000,000 |
When three covered family members each meet their deductible, the deductibles for any remaining covered family members are considered met for the rest of the coverage period.
Once the deductible and coinsurance out-of-pocket amounts have been paid, additional covered charges within the coverage period are paid at 100 percent, up to the maximum benefit. The coinsurance out-of-pocket does not include any precertification penalty amounts or expenses not covered by the plan. Benefit-specific maximums may apply.
Secure STM offers monthly premium payments using credit card or automatic bank withdrawal.
With a Secure STM plan, you have access to discounted medical services through two national preferred provider organizations (PPOs. These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs.
MultiPlan—www.multiplan.com
One of the nation’s largest networks, MultiPlan has more than 650,000 providers in 50 states, including physicians, and inpatient and outpatient facilities.
ACS—www.anci-care.com
A comprehensive network of 38,000 ancillary service providers, ACS represents providers of outpatient services, including lab and diagnostic testing, but it does not include physicians.
To search for a network healthcare provider or facility, please visit the websites listed above. At the time of service, simply present your identification card which will include the network information needed for the provider to correctly process covered charges.
MultiPlan and ACS are not affiliated with Standard Security Life Insurance Company of New York, nor are they part of this insurance plan.
All benefits are subject to the selected plan deductible and coinsurance. Covered expenses are limited by the Usual, Reasonable and Customary Charge as well as any benefit-specific maximum. If a benefit-specific maximum does not apply to the covered expense, benefits are limited by the coverage-period maximum.
Covered expenses include treatment, services and supplies for:
Secure STM 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 6 months immediately preceding the covered person’s effective date of coverage; or symptoms within the 6 months immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.
The Usual, Reasonable and Customary Charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to treatment of medical services, Usual, Reasonable and Customary means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as Usual, Reasonable and Customary, we may use and subscribe to a standard industry reference source that collects data and makes it available to its member companies.