OnlineAdviser support makes it easy to get friendly, personal, professional and  independent help with your insurance selections and enrollment. Support is available through live online chat or within one business day with fast e-mail response. OnlineAdviser enrollment support by email at tnovak@freedombenefits.net or register for premium pre-paid telephone support at onlineadviser.org. Health insurance news and tips via Twitter  or visit us on Facebook.com/freedombenefits. Member Services: IHC Health Solutions Inc. 15436 N. Florida Avenue, Suite 105 Tampa, FL 33613 (800) 277-3323 Highlights Coverage up to 36 months Choose your own doctors and hospitals a popular alternative to COBRA when longer coverage is needed Deductible choices from $500 to $5,000 High $2 million maximum coverage Online application, immediate approval,  and next day coverage

Secure 12x3 Short Term Medical This product is discontinued. Please use 1-12 month Secure Short Term Medical Insurance instead. Who is eligible? This plan is offered to all individuals under age 64-1/2 in AL, AK, AZ, AR, DE, DC, FL, GA, HI, IL, IA, MO, NE, NM, OH, OK, OR, PA, SC, TN, UT, VA, WV, WI, and WY who can answer "no" to the medical questions on the application. About the Insurance Company Secure 12x3 short term medical insurance is underwritten by Standard Security Life Insurance Company of New York and serviced by IHC Health Solutions, Inc. read more

Medical Eligibility

To be eligible for coverage, all applicants must be able to answer "no" to the following five questions:

1) Will there be any other group or individual major medical health insurance in force on the policy effective date?

2) Are you or any person applying for coverage now pregnant?

3) Are you or any person applying for coverage currently eligible for Medicaid?

4) Within the past 5 years have you or any person applying for coverage been aware of, received an abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for: ¦ heart disorder, heart attack, coronary artery disease, coronary bypass or stent ¦ peripheral vascular disease or carotidartery disease ¦ stroke or other neurological disorder ¦ cancer or tumor ¦ paraplegia, quadriplegia or multiple sclerosis ¦ stem cell transplant ¦ emphysema or COPD (chronic obstructive pulmonary disease) ¦ diabetes ¦ liver disorder ¦ kidney disorder other than stones ¦ degenerative disc disease or herniated disc ¦ rheumatoid or psoriatic arthritis ¦ degenerative joint disease of the knees or hips ¦ alcohol or drug abuse or dependency ¦ hemophilia

5) Have you or any person applying for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder within the last 10 years immediately prior to the date of this application? Answer this question "no" if you have tested positive for HIV but have not developed symptoms of the disease AIDS.

Other eligibility requirements

1) Applicants must be under 65 years old.

2) Applicants must have lived in the U.S. for 12 consecutive months.

3) For child only coverage, the oldest child must be at least one year old.

4) Active members of the armed services are not eligible for coverage.

 Opinions expressed are the sole responsibility of the author and do not necessarily represent the opinion of Freedom Benefits Association or any other person, company or entity mentioned. Information is from sources believed to be true, but cannot be guaranteed.