HealthPlan Express - Benefit Detail

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Plan Benefit Summary

Company/Plan Name	Secure STM
Deductible
In-Network	N/A
Out-Network	$1,000 Per Person, Per Coverage Period
Maximum Family Deductible	Maximum 3 Per Family, Per Coverage Period
Coinsurance
In-Network	N/A
Out-Network	80/20% to $5,000
Maximum Out-Of-Pocket Coinsurance
In-Network	N/A
Out-Network	$1,000 per person excluding deductible
Maximum Benefit	$2,000,000 per person, per coverage period
Physician Office Visit
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance
Outpatient Lab & X-Ray
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance
Outpatient Preventive Care
In-Network	N/A
Out-Network	Not Covered
Prescription Drugs
Generic	Not Covered (Discounts may be available)
Brand Name(formulary)	Not Covered (Discounts may be available)
Brand Name(Non-formulary)	Not Covered (Discounts may be available)
Outpatient Surgery
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance (see brochure for exceptions)
Emergency Room
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance
Maternity Prenatal/Post Natal
In-Network	N/A
Out-Network	Not Covered
Inpatient Benefits
Hospitalization
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance
Surgical
In-Network	N/A
Out-Network	Subject to Deductible and CoInsurance
Maternity
In-Network	N/A
Out-Network	Not Covered
Rate Guarantee	N/A
Optional Benefits
Supplemental Accident	Not Available
24 Hour Coverage	Not Available
Other	Not Available

Affordable Health Insurance Quotes through HealthPlan Express

IMPORTANT NOTICES AND DISCLAIMERS

To be considered for reimbursement, insurers require that expenses must qualify as covered expenses. Expenses are also subject to reasonable and customary limits, unless you use a PPO/Network, as well as determinations of medical necessity.

This Benefit Comparison is intended as preliminary information only. The company provided (product specific) brochure contains important details concerning the benefits, limitations, exclusions and renewability of each plan. Be sure to download the brochure before applying. Refer to the policy as the binding authority for all terms and provisions of coverage. The rates provided are intended to be accurate but may change based on a number of factors including your medical history. The rates and terms of a policy may be changed by the insurance company with proper notification (and subject to any necessary regulatory approval). The rates shown are based on preferred underwriting criteria, if applicable.

Company Brochure

More details and variations in benefits for your state are in the company specific brochure and/or Outline of Coverage, which you can access by clicking the download brochure link above. Please do so before you apply. Alternatively, you may request this information be mailed to you.

Association Plans

Certain products available through some insurance companies require membership in an association which may be separate and distinct form the health plan/insurer. Details on membership and any fees are described in the company specific brochures.

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