Just because you don’t have health insurance right now doesn’t mean you may not have health problems. The Secure STM allows you and your family up to age 65 to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.
When life leaves you temporarily uninsured, the Secure STM insurance plan helps protect you in the meantime.
Secure STM is short-term medical (STM) insurance available for 30 to 364 days and provides coverage for
unexpected medical expenses.
- $2 Million Lifetime Maximum Per Covered Person
- Freedom to choose any doctor or hospital
- Unlimited re-applies
- Convenient payment options
- Pay monthly up to 6 months of coverage
- Single payment discount for 30-180 days
While the need for short-term coverage may be anticipated after graduation, there are employment or life
changes that also present the need for temporary medical insurance.
Often, an employer-sponsored plan includes a waiting period before health insurance benefits
begin, which means you will need coverage to bridge the gap.
If you’ve recently been laid off or let go from your job, you may need coverage until you secure another
position with benefits.
Return from active military duty
Once you arrive home from active duty, STM provides coverage while you transition and look
for employment with benefits.
What are my payment options?
Secure STM offers two options for premium payment: monthly or single. Payments may be made using check, money order, credit card or automatic bank withdrawal. If your need for coverage ends earlier than expected, simply send written notification. Monthly payment is available for up to 364 days.
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.
When does my coverage start?
Coverage can begin as early as the day following your online application, if approved, and last up to 364 days.
How long will Secure STM coverage last?
Secure STM 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 30 to 364 days.
When does coverage terminate?
Coverage ends on the earliest of the date: the premium is not paid when due; you cease to be a member of the association4; 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; the dependent becomes eligible for Medicare; or the dependent ceases to be eligible.
Right to return period
If you are not completely satisfied with this coverage and have not filed a claim, you may return the Certificate of Insurance within 10 days and receive a premium refund.