Compare Short Term Health Plans
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Use the chart below to compare plan features and select the right one for you. Note the states where plans are NOT available.
Plan Features and Benefits
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Standard Security Life Secure STM
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Standard Security Life Secure 12x3 |
American Health Shield STM |
Plan NOT available in : |
MA, NJ, NY, VT, WA
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AK, CA, CO, CT, ID, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NY, NC, ND, RI, SD, TX, UT, VT, WA |
CO, ID, KS, ME, MD, MA, MN, MT, NH, NJ, NY, NC, ND, OR, SD, UT, VT, WA |
How long can I be covered?
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30 days to 6 months or 12 months
(6 months in CA, CO, CT, IN, KS, LA, MI, MN, NV, NH, ND) |
12 months with option to extend coverage for 2 additional 12 month periods to 36 months—continuous coverage |
30 days to 6 months or 12 months (6 months in IN, MI, OH) |
What if I’ve been declined for health insurance? |
Will accept application of a person who has been declined for a condition if that condition is NO LONGER present.
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Will accept application of a person declined (Note pre- existing condition exclusion below) |
Will accept application of a person not declined within the last 12 months. |
Can I enroll my spouse and children? With me or individually? |
Spouse-yes
Children under 19 if not
full-time student (25 if full- time student)
Child Only Plans- 2 year old minimum |
Spouse-yes
Children under 19 if not
full-time student (25 if full- time student)
Child Only Plans- 2 year old minimum | Spouse-yes.
Children-age 15 days to 18 years if living with you (24 if full time student).
Child Only Plans- 2 year old minimum (requires application to be faxed or mailed) |
How are premiums calculated?
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Vary by zip code, sex, age & policy duration.
Most competitive 12 month plan. | Vary by zip code, sex and age |
Vary by zip code, sex, age & policy duration. |
What are the deductibles? |
$250, $500, $1000, $2500
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$500, $1000, $2500, $5000 |
$250, $500, $1000, $2500 |
After I pay the deductible, what coinsurance does the company pay? |
Choice of 80% or 50% of the next $5,000 of covered expenses: then 100% to lifetime maximum of $2 million.
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Choice of 80% or 50% of the next $10,000 of covered expenses: then 100% to coverage period maximum of $750,000 |
Choice of 80% or 50% of the next $5,000 of covered expenses: then 100% to lifetime maximum of $2 million. |
Can I choose my doctors and hospitals?
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Yes |
Yes, or utilize Preferred Provider Network within the plan for savings on charges. |
Yes |
Are routine physician visits covered?
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No |
No |
No |
Is pregnancy covered?
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No |
No |
No |
What medical conditions are not accepted and listed in the underwriting questions?
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Cancer, tumor, stroke,, heart, chest pain (doesn’t apply for only high blood pressure or only high cholesterol), lungs, insulin-dependent diabetes, colitis, kidney, arthritis, disorders of the knee,hip, or back, alcohol, drugs or HIV. (Applicant, spouse, or child cannot be pregnant whether applying or not). |
Cancer, tumor, stroke,, heart, chest pain (doesn’t apply for only high blood pressure or only high cholesterol), lungs, insulin-dependent diabetes, colitis, kidney, arthritis, disorders of the knee,hip, or back, alcohol, drugs or HIV. (Applicant, spouse, or child cannot be pregnant whether applying or not). |
Cancer, tumor, stroke, heart, chest pain, (doesn't apply for only high blood pressure or only high cholesterol), lungs, liver, back, arthritis, knee, insulin dependent diabetes, alcohol, drugs, HIV. (Applicant, spouse or child cannot be pregnant, whether applying or not.) |
What if I have other pre- existing conditions? |
Not covered if occurred within last 5 years. Read policy provisions when applying. There are State variations to this clause. |
Not covered if occurred within last 5 years. Read policy provisions when applying. There are State variations to this clause. |
Not covered if occurred within last 5 years. Read policy provisions when applying. There are State variations to this clause. |
Do these plans have other limitations? |
Yes, read the policy limitations and exclusions. There are State variations to this clause. Has weight limits for acceptance: under 300 lbs for males; under 250 lbs for females. |
Yes, read the policy limitations and exclusions. There are State variations to this clause. |
Yes, read the policy limitations and exclusions. There are State variations to this clause |
Any special features? |
Association discount card for prescription drugs dental, vision and chiropractic included. (Not affiliated with the insurance company.) |
RX Drug Card included in the plan. Pays $25.00 for doctor office visits-4 per coverage period.
Plan has continuous coverage from first period through 2 additional periods of twelve months up to 36 months |
Plan has competitive premiums for certain ages and zip codes. |
When is the plan effective? |
The day (12:01 am) after you apply online: or the day (12:01 am) after the U. S. Postmark Date Stamp (or select a later date) if your answers are complete and meet requirements for coverage: and premium payment is received. |
The day (12:01 am) after you apply online: or the day (12:01 am) after the U. S. Postmark Date Stamp (or select a later date) if your answers are complete and meet requirements for coverage: and premium payment is received. |
The day (12:01 am) after you apply online: or the day (12:01am) a after the U. S. Postmark Date Stamp (or select a later date) if your answers are complete and meet requirements for coverage: and premium payment is received. |
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