Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Standard Security Life Insurance Company of New York.
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
Secure STM will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.
With a Secure STM plan, you have access to discounted medical services through two national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any health care provider, the discounts available through network providers for covered services will help to lower your out-of-pocket costs.
ACS—www.anci-care.com A comprehensive network of 38,000 ancillary service providers. ACS represents providers of outpatient services, including lab and diagnostic testing, but it does not include physicians.
MultiPlan—www.multiplan.com One of the nation’s largest networks, MultiPlan has more than 500,000 providers in 50 states, including physicians, and inpatient and outpatient facilities. ACS and MultiPlan are not affiliated with Standard Security Life Insurance Company of New York, nor are they part of this insurance plan. To search for a network health care provider or facility, please visit the websites listed above. At the time of service, simply present your identification card, which will include the network information needed for the provider to correctly process covered billed charges.
Right to return period
If you are not completely satisfied with this coverage and have not filed a claim, you may return the Policy/Certificate of Insurance within 10 days and receive a premium refund.