Real people. Real choices.
 OnlineAdviser Tony Novak  800-609-0683     Support options    Site map  
"Personal help with important health insurance decisions"
Accident | Short Term | Critical Illness | Dental | Disability Income | Emergency | FB University | Group | Guaranteed Issue | HRA | HSA | High deductible | Immigrant | Individual | International | Life | Major Medical | Medigap | Mini-med | OnlineNavigator | Pre-existing Condition | PPO | Prescription | Small Business | Supplemental | Supplemental | Temporary | Telemedicine | Travel
OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
IHC Health Solutions Inc.
15436 N. Florida Avenue, Suite 105
Tampa, FL 33613
(800) 277-3323
low cost health insurance


Choose your own doctors and hospitals
a popular low cost alternative to COBRA
Deductible choices from $500 to $5,000
$750,000 maximum coverage
Coverage from 1 to 12 months
Online application, immediate approval,  and next day coverage

A more affordable version of this popular short term 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.
low cost health insurance
Who is eligible?
This plan is offered to individuals under age 65 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, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY who can answer "no" to the medical questions on the application.
low cost health insurance
About the Insurance Company
Secure Lite short term medical insurance is underwritten by Standard Security Life Insurance Company of New York and serviced by IHC Health Solutions, Inc.

Secure Lite short term major medical insurance

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

Product Review

If you wish to submit comments to be incorporated into this review, please e-mail us. We appreciate your feedback.


This product is usually the least expensive major medical type insurance available.


The $750,000 maximum limit on coverage (as permitted for insurance exempt from PPACA reform law) provides less overall coverage than any other type of major medical insurance.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.