Health
Insurance Frequently
Asked Questions (FAQ's)
The purpose of this section is to provide an
overview of this Short Term
Health Insurance Plan. Below are some frequently asked
questions regarding this valuable coverage.
Q. Who needs Health insurance coverage?
A. Short Term Health Insurance is an ideal, affordable type of medical
insurance for those who are: unemployed, in between jobs, recent college
graduates, in need of an alternative to COBRA. You will see that this
comprehensive coverage provides many special and unique coverage features
while maintaining a very competitive premium structure.
Q. Who is eligible for Health insurance coverage?
A. You and your spouse (to 64 years and 11 months) who are members of UCSA*
and your unmarried dependent children (between age 15 days to 19 or 23 if
a full-time student) that live with you may apply for coverage. To be
considered for coverage, proposed Insureds must not: a.) have other
hospital, major medical, health, governmental, or medical insurance
coverage in force that will not terminate prior to the Effective Date of
the plan; b.) be pregnant or the expectant father of an unborn child on
the Effective Date; c.) have been declined for insurance due to health
reasons; or d.) have received consultation or treatment, within the past
five years, for any conditions identified on the application. Child(ren)
alone can apply and are to use the 0-24 premium rate (male or female,
based on their gender) for the youngest child; and the per child rate for
each of the child siblings to be insured. The minimum age for a child only
coverage is 15 days old. The application must be completed and signed by
the parent or legal guardian.
Q. How does Health
insurance coverage work?
A. The benefit options for covered expenses are per insured person per
coverage period. First, you meet your deductible. Choose from four options: $250, $500,
$1,000 or $2,000. Then Liberty STM pays 80% of the next *$10,000 of covered expenses
After this, Liberty STM pays 100% of covered expenses up to your lifetime
maximum of $1 million
*Co-insurance will vary to $5,000 in the following states.
CO,CT,GA,ID,IN,KS,MD,MN,NV,ND,OR,SD,WA
Q. Once my coverage is issued, do I have the
option to select my doctors, hospitals and medical providers?
A. Yes. You have the freedom to select the doctors and hospitals of your
choice. This plan is not an HMO or PPO.
Q. How long may I be insured under this
temporary plan?
A. Liberty STM is issued on a temporary need and terminates at the end of
the period applied for. If the need for temporary health insurance
continues, you may apply for another new STM* coverage period. Your
application is subject to the eligibility and underwriting requirements.
Furthermore the coverage is not continuous. Any condition that incurred
expense during the last coverage period will be treated as a Pre-Existing
Condition, and excluded under the next coverage period. Applicants over
the age of 64 are not eligible to re-apply for coverage. *Only if an
STM Plan is available in your resident state at that time; plan benefits,
premium and features may vary. Not available in UT.
Q. What are the coverage limits under this
plan?
A. This plan pays a lifetime maximum of $1,000,000 for each insured.
Please refer to the Exclusions and Limitations section on this page for
all limitations.
Q. Are pre-existing conditions covered under
Health
insurance?
A. This plan does not provide benefits for pre-existing conditions, work
related conditions, and preventive care. If you or a dependent have an
existing health condition, you may want to consult with your independent
insurance agent prior to applying for or changing health/medical
insurance. Insurance fraud is a crime. Any person who, with intent to
defraud or knowingly facilitates a fraud against an insurer, submits an
application or files a claim containing false, deceptive and/or incomplete
information is subject to civil and criminal prosecution.
Q. Are there expenses not covered under this
plan?
A. Yes, this plan is designed to protect you in the event of an illness or
injury and is not meant to cover routine exams and preventive care. Short
Term Medical is for temporary coverage only and therefore does not include
some of the benefits a permanent health plan offers. Please refer to the
Exclusions and Limitations section of this web site.
Q. How do I apply for Health
insurance coverage?
A. First, make sure you do not live in a state where the Plan is not
available. Next look up the rates that apply to you based on your gender
and zip code. Then, complete the application, e-sign it, and pay online or
mail the application
to the administrator along with your initial premium payment to the
address below.
Mail and make check payable to:
Health Plan Administrators, Inc.
P.O. Box 15900
Rockford, IL 61132-5250
Q. What should I do if I cannot download
and/or print the application found on this site?
A. Contact us at 1-800-544-9505 between
8:30am- 5:00pm Central Time. Or, you may e-mail
us.
They will rush an application, rates and coverage description right away.
Q. Can I get a refund of my premium if I am
not satisfied?
A. Once you receive your Certificate or Policy, carefully review all
information. If you are not satisfied for any reason, return the
Certificate (within 10 days of receipt) with your written request for
cancellation to HPA. Coverage will be cancelled as of the effective date
and you'll receive a full premium refund (minus admin fees and dues), no
questions asked.
Q. How is Health insurance coverage billed?
A. After submitting your enrollment form with first month's premium, you
will then be billed monthly or you can choose to prepay. You indicate on
your enrollment form how you wish to pay for your coverage. You may elect
to be billed for the monthly premiums (plus the administration fee), OR
you can select one of the other two payment methods: (1) Automatic
Pre-authorized Bank Withdrawal; or (2) Credit Card - MasterCard, Visa and
Discover are accepted.
Q. When does my Health insurance coverage begin?
A. The insurance can be effective as early as 12:01 a.m. the next day
after the transmission date. However, the applicant can choose a later
effective date not to exceed 60 days from transmission date. Coverage ends
on termination date listed in your policy.
Q. Who is the Insurance Company?
A. The Standard Security Life Insurance Company is rated A- (Excellent) for
financial condition by the A.M. Best Company, independent analysts of the
insurance industry. Best ratings range from A++ to D. Founded in 1956, The
Standard Security Life Insurance Company has protected millions of insured's.
The plan's administrator is Health Plan
Administrators, Inc. (HPA) is a fully licensed, full service third-party
administrator transacting business worldwide. HPA is a third generation
company dating back to 1939 and an industry leading services include:
professional customer service, prompt claims payment, state of the art
billing and reporting. For policy issue, billing, commission accounting,
claims adjudication, and policy owner services, please call
1-800-397-5800.
This is only a general summary of the features
of the Liberty Medical Plan. Complete Health
insurance plan details may be found in the Master
Policy. Benefits and policy provisions may vary by state.
|
