Secure STM

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 upto 90 days.
Maximum Benefit: $2 Million is the maximum amount of covered charges that will be considered under the Secure STM plan per covered person, per coverage period
Secure STM is available to residents of ID, IN, KS, LA, ME, MD, MN, MT, NV and SD on an individual basis and not through CA. Therefore, membership is not required in these states
Pre-Existing -- 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 five years immediately preceding the covered person effective date of coverage.

Benefits Description Pre-existing Coverage Exclusions Claims Provider Network

Provider Network

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 health care provider, the discounts available through network providers for covered services will help to lower your out-of-pocket costs.

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.

MultiPlan—www.multiplan.com

One of the nation’s largest networks, MultiPlan has more than 500,000 providers in 50 states, including physicians, and inpatient and outpatient facilities.

ACS and MultiPlan are not affiliated with Standard Security Life Insurance Company of New York, nor are they part of this insurance plan.

To search for a network health care 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 billed charges.