Which Secure short term medical insurance is right for me?

"Secure STM", "Secure Lite" or "Secure Saver"

by Tony Novak    updated August 19, 2011

The three types of Secure STM plans offered through IHC Health Solutions Inc. are collectively one of the nation's most popular brands of affordable temporary health insurance. The three plans offer flexibility and choice for the widest possible range of individual needs. These IHC short-term medical (STM) plans give individuals and families peace of mind knowing they will have the coverage they need in case of any catastrophic events; while maintaining flexible coverage options and deductible choices. Our fast secure online enrollment system makes coverage available as soon as tomorrow.

All three Secure STM plans share the following features in common:

• coverage is provided with any doctor or hospital in the U.S.
• have a deductible ranging from $250 to $5,000.
• available up to age 65
• child only coverage is available
• payment accepted by check, money order, MasterCard, Visa, Discover or automatic monthly bank draft
• renewable month-to-month up to the maximum policy length
• unlimited re-applies in most states (unless limited by state law)
• issued by Standard Security Life Insurance Company of New York

The chart below highlights the key differences between the four options and provides a link to a more detailed summary of coverage.

SECURE STM		SECURE Saver STM
the "standard" short term medical insurance policy length from 1 month to 12 months $2 million maximum coverage		daily deductible lowest premium cost $50 co-pay for physician office visit $2 million maximum coverage more stringent medical eligibility requirements (includes a weight limit and "previous decline" question on the application)

SECURE Lite STM		SECURE 12x3 STM
$25 doctor visits $750,000 maximum coverage lower premium rate		this product is no longer available