Short Term Health Insurance - Liberty Select FAQ

The purpose of this website is to provide an overview of this Short Term Health Plan. Below are some frequently asked questions regarding this valuable coverage.

Q. Who needs this type of coverage?

A. Short Term Health Insurance is an ideal, affordable type of Health insurance for those who are: unemployed, in between jobs, recent college graduates, in need of an alternative to COBRA. You will see that this coverage provides many special and unique coverage features while maintaining a very competitive premium structure.

Q. Who is eligible for this coverage?

A. Liberty Liberty Select STM is offered to members, their spouses and their dependent children under age 19 (or under age 25 if a full-time student) who have a social security number and can answer "no" to the health questions on the application. Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18.

Optional coverage is Communicating for America (CFA) Liberty Select STM Enhancement Series which provides members with discounts for the following services and or purchases:

• Dental services - save an average of 28% and up to 50% on dental expenses from 53,000 dentists in Aetna Dental Access**
• Vitamins, herbs and nutritional supplements - 10% off already low prices
• Nurse-on-call - access to a registered nurse 24 hours a day, seven days a week
• Chiropractic services - 30%-50% off at more than 3,000 private chiropractors
• Prescription drugs - up to 40% off on generic or name-brand drugs at over 55,000 pharmacies nationwide
• Vision eyewear care - up to 60% off eyeglasses, contact lenses and non-prescription sunglasses through a network of more than 10,000 retail optical locations, including Pearle Vision, JC Penney's, Wal-Mart and Lens Crafters
• Low rate home mortgages - up to $500 credit at closing, competitive interest rates, and extended lock rate option
• Low rate student loans - Federal Stafford and alternative loan options at some of the lowest rates in the industry.

The Communicating for America (CFA) is not affiliated with Standard Security Life Insurance Company of New York, nor is it a part of the Liberty Select STM insurance plan. Communicating for America, Inc. (CFA) is a division of Communicating for Agriculture and the Self-Employed, Inc. (CA) a 501c5 non-profit association headquartered in Fergus Falls, Minn., providing members valued benefits and savings since 1972.

Q. How does this coverage work?

A. The benefit options for covered expenses are per insured person per coverage period.

Option A: First, you meet your deductible. Choose from four options: $250, $500, $1,000, $2,500 or $5,000. Then Liberty Select STM plan pays 80% of the next $5,000 of covered expenses. After this, Liberty Select STM plan pays 100% of covered expenses up to your coverage period maximum of $2 million.

Option B: First, you meet your deductible. Choose from four options: $250, $500, $1,000, $2,500 or $5,000. Then Liberty Select STM plan pays 50% of the next $5,000 of covered expenses. After this, Liberty Select STM plan pays 100% of covered expenses up to your coverage period maximum of $2 million.

Q. Once my coverage is issued, do I have the option to select my doctors, hospitals and Health 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 plan?

A. Liberty Select 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 Liberty Select 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 Liberty Select STM Plan is available in your resident state at that time; plan benefits, premium and features may vary.

Coverage ends when the premium is not paid when due; you enter full-time active duty in the Armed Forces; you become eligible for Medicare; the elected coverage period expires; Standard Security Life Insurance Company determines fraud or misrepresentation has been made in filing a claim for benefits; or a dependent ceases to be eligible; **you cease to be a member of the association or the group master policy terminates.

**This applies to states where association membership is required.

Q. What are the coverage limits under this plan?

A. This plan pays a coverage period maximum of $2,000,000 for each insured. Please refer to the Exclusions and Limitations section for all limitations.

Q. Are pre-existing conditions covered?

A. Pre-existing conditions are not covered. This includes any condition or complication that was treated or produced symptoms five years prior to your Liberty Liberty Select STM effective date.
The pre-existing condition limitation may vary by state.
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/Health 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 Health 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 this 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 send payment 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 Eastern Time. We 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 this coverage billed?

A. After submitting your enrollment form with first month's premium, you will then pay 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 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. Standard Security Life Insurance Company of New York Standard Security Life Insurance Company of New York is rated A (Excellent) for financial condition by A.M. Best Company, as of 06/04. A.M. Best ratings range from A++ to D.

Q. Who is the Administrator?

A. Health Plan Administrators, Inc.
HPA, Inc.,  is a fully licensed, full service Third Party Administrator servicing businesses worldwide. HPA has provided innovative health care solutions for over 60 years, meeting customer's needs with integrity, creativity and value. We strive to provide the best possible coverage in a cost effective manner. We, in conjunction with our trusted insurance carriers, share a mutual desire to provide important benefits to our customers and to meet their needs in an innovative, hassle-free manner.

This website provides a brief description of the benefits, exclusions and other provisions of the policy Form SSL-Liberty Select STMP-1104. For complete listing, see the Policy/Certificate of Insurance. Benefits may vary by state.
Liberty Liberty Select STM is not available in all states.
Association membership may be required in some jurisdictions.
©2005 HPA, Inc. All rights reserved.
SM Liberty Select STM-1 3/05