Short Term Health Plan Comparison

Product Benefits & Features	Assurant Health	HPA Secure STM	HPA Secure STM 12x3
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NOT Available in these States	CT, HI, MA, NJ, NY, VT	MA, NJ, NY, VT	CA, CO, CT, ID, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NY, NC, ND, RI, SD, TX, VT, WY
Guarantee	10 Day Free look	10 Day Free look	10 Day Free look
Example Plan Cost Male Age 32 - zipcode 16137 30 Days of Coverage $1,000 Deductible - 50/50 Plan	Premium $63.18 Application Fee $20.00	Premium $88.00 Application Fee $10.00	Premium $98.93 Application Fee $10.00
AM Best Rating	A- (Excellent)	A- (Excellent)	A- (Excellent)
Duration	1-6 and 1-12 month (dependent on state)	1-6 and 1-12 month	1-12 month (upto 3 consecutive 12 month periods)
Length of Coverage	Any number of days	Any number of days (minimum 30 days)	Any number of days (minimum 30 days)
Policy Maximum	$ 2 and $5 million	$2 million	$750,000
Pre-existing conditions	Not covered: Look back 5 years	Not covered: Look back 5 years	Not covered: Look back 5 years
Child Only Plans	Yes: minimum age 15 days old	Yes: minimum age 2 years old	Yes: minimum age 2 years old
Deductible	$250, $500, $1000 & $2500	$500, $1000, $2500 & $5000	$500, $1000, $2500 & $5000
Co-insurance	80/20 up to $2,000, 50/50 up to $5,000 and 100% plan	80/20 up to $5,000 80/20 up to $5,000	80/20 up to $10,000, 50/50 up to $10,000
Payment Modes accepted	Single or monthly payment: Check, VISA, MC, Discover & money order	Single or monthly payment: Check, VISA, MC, Discover, money order & automatic bank withdrawal	Single or monthly payment: Check, VISA, MC, Discover, money order & automatic bank withdrawal
Hospital (misc), Surgery, Physician Visits	Covered
Prescription drugs	Outpatient and inpatient drugs covered subject to deductible and coinsurance	15-60% off generic or brand drugs through STM Enhancement Series	Rx Drug Card up to $10 Generics, up to $20 or $50 Brands for formulary drugs.
Dental Benefits	Not covered	Discount card included	Discount card included
Vision Benefits	Not covered	Discount card included	Discount card included
*This information has been gathered thru product brochure and contract review. Some information was also obtained from customer service representatives at each company. The data gathered is believed to be completely accurate. If clarification on any of these points listed above is needed, please call the carrier or the administrator.

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