• Short Term Health Insurance Blog

  • Wednesday, June 28, 2017

  • Secure 1-2-3, Your Mind Becomes Free!

    Filed Under: Blogging


Short term health insurance comes in many shapes and forms. One of the plans, the Secure 12x3 Short Term Medical plan, provides a range of benefits for the plan holder for a maximum period of 12 months per plan.

Benefits are limited to the usual, reasonable and customary charges for a covered expense. Some benefits feature stated limits as well. Coverage includes sudden and unplanned medical expenses such as four doctor visits per 12-month period up to $25 per visit, hospitalization charges for regular care and critical care, outpatient charges such as surgery, ambulance services, emergency room, and doctors’ miscellaneous charges, organ transplants, AIDS treatment, mammography, and pap smear tests. Most of these covered expenses feature limits.

For example, the outpatient emergency room benefit features a maximum of $500 per day, including the physician charge, 24-hour surveillance, and other miscellaneous charges. The maximum benefit amount per coverage period is $750,000.

Pre-existing conditions are not covered by the plan, and the look-back period for pre-existing conditions is five years. However, if you purchase a Secure 12x3 STM plan for one year, the next two years will include pre-existing condition coverage, regardless of when the pre-existing condition symptoms were last noticed. As always, it is best to read the fine print of a plan before signing on.

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