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 Choose your own doctors and hospitals a popular alternative to COBRA Deductible choices from $500 to $5,000 High $2 million maximum coverage Coverage from 1 to 12 months Online application, immediate approval,  and next day coverage

Secure Short Term Medical Insurance The original version of this popular high quality, affordable major medical insurance program for periods of 1 to 12 months, payable on a month-to-month basis as needed. Coverage is valid throughout the entire U.S. with any doctor or hospital. read more, get a quote and enroll online Who is eligible? This plan is offered to all individuals under age 64-1/2 in AL, AK, AZ, AR, CA, CT, DE, DC, FL, GA, HI, IL, IN, IA, KY, ME, MI, MS, MO, NE, NV, NM, NC, OH, OK, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY who can answer "no" to the medical questions on the application. About the Insurance Company Secure 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 carotid artery disease •stroke or other neurological disorders •cancer or tumor •paraplegia, quadriplegia or multiple sclerosis •stem cell transplant •emphysema or COPD •diabetes •liver disorder •kidney disorder other than stones •degenerative disk disease or herniated disk •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) No other coverage may be in force

5) Male applicants must weigh less than 300 pounds and female applicants must weigh less than 250 pounds

6) The applicant, spouse, or any dependent child can not be pregnant

7) Applicants can not have been declined for health insurance for a condition that is still present

8) Applicants may not be eligible for Medicaid

9) 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.