Child Only Health Insurance
Do you need a health insurance policy for your son or daughter? If your child is in sports most school districts will require them to be insured. However, since September 2010, most insurance companies have stopped offering health insurance policies for those under age 19 unless there is a parent also on the policy. The reason for this is with a traditional policy the insurance company must cover pre-existing conditions for those under 19.
This is a direct result of the Health Care Reform Act.
If you need a child only health insurance policy your options currently are limited to a Short Term Medical (STM) plan. These plans are exempt from the pre-existing conditions inclusions of the Health Care Reform Act.
Click on the below 3 links for quotes and more information on the plans or you may contact us:
Secure Lite STM
Deductible choices $500, $1000, $2500, $5000
What medical expenses are covered?
After satisfying the deductible amount youıve selected, Secure Lite STM will pay the coinsurance youıve selected for covered expenses, up to a maximum of $750,000 per insured person per coverage period.*
The Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.
- Physician Office Visit: Up to $25 per visit up to four visits per coverage period. After the office visit, the balance of the charge is subject to the plan deductible and coinsurance up to $1,000 per coverage period.
- In-Hospital Regular Care Charges: Up to $1,000 per day; includes daily room and board and all miscellaneous charges**
- In-Hospital Intensive or Critical Care Charges: 3 times the average semi-private room rate up to $1,250 per day; includes daily room and board and all miscellaneous charges**
- Outpatient Hospital Surgery & Ambulatory Surgical Center Charges: Up to $1,000 per day includes cost of operating room and all miscellaneous charges**
- Outpatient Emergency Room: Up to $500 per day includes the emergency room physician charge, 24-hour surveillance and all miscellaneous charges**
- In-Hospital Physician Visits: Up to $500 maximum per hospital stay
- Surgeon and Anesthesiologist: Up to $2,500 per procedure up to $5,000 maximum per Coverage Period
- Outpatient or Physician Office Miscellaneous Charges:** Up to $1,000 per Coverage Period
- Ambulance Services: Up to $250 per trip
- Organ Transplants: Up to $150,000 lifetime maximum
- Acquired Immune Deficiency Syndrome (AIDS): Up to $10,000 lifetime maximum***
- Mammography are covered subject to deductibles, coinsurance and any specific limits****
- Pap Smear and Screens (includes PSA) are covered subject to deductibles, coinsurance and any specific limits****
*Benefits for gall bladder surgery are limited to a $2,500 per Coverage Period per insured person. Benefits for injury or disorders of the knees are limited to a $2,500 per Coverage Period per insured person. Benefits may vary by state.
**Miscellaneous charges where indicated includes: X-rays, scans, laboratory, blood,therapy, oxygen, casts, splints, medicines, injections, chemotherapy and medical supplies.
***The AIDS maximum of $10,000 per Coverage Period does not apply to Policies/Certificates of Insurance issued to residents of AZ, CA, CO, DC, ID, IN, MD, ME, MO, NH, NC or ND. In KS the maximum per Coverage Period is $75,000.
****Benefits are covered subject to coinsurance and any specific limits including outpatient or doctorıs office miscellaneous limits.
Secure Saver STM
Deductible choices $250, $500, $750, $1000
What medical expenses are covered*?
All of the following benefits are subject to the daily deductible and coinsurance. Covered expenses are subject to the usual, reasonable and customary charge and the maximum benefit limit, if applicable.
- Hospital room and board charges are paid at the average semi-private room rate, medical care and treatment
- Outpatient hospital or ambulatory surgical center charges
- Physician services for treatment and diagnosis
- Surgeon services in the hospital or ambulatory surgical center
- Assistant surgeon services up to 20% of the primary surgeons benefit
- Anesthesia services up to 20% of the primary surgeons benefit
- Intensive or specialized care unit charges are paid up to three times the most common average-semi-private room rate
- X-Ray exams, laboratory tests and analysis
- X-Ray and radioactive isotope therapy, anesthesia, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical equipment
- Blood or blood derivatives and their administration
- Ambulance ground or air services
- Gallbladder surgery
- Knee injury or disorder
- Inpatient prescription drugs
- Organ, tissue, bone marrow transplants are covered up to $150,000 for all covered expenses per coverage period.
- Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 coverage period maximum***
- Mammography, Pap smear and screens
* Benefits may vary by state. *** The AIDS maximum of $10,000 per coverage period does not apply to policies/certificates issued to residents of AZ, CA, CO, DC, ID, IN, MD, ME, MO, NH, NC or ND.
The maximum benefit in KS is $75,000 per coverage period.
Secure STM
Deductible choices $1000, $2000, $5000
What medical expenses are covered*?
All of the following benefits are subject to the plan deductible and coinsurance. Benefits are limited to the Usual, Customary and Reasonable charge for each covered expense, in addition to any specific limits stated in your policy.
- Hospital charges paid at the average semi-private room rate, medical care and treatment
- Outpatient hospital or ambulatory surgical center charges
- Physician services for treatment and diagnosis
- Surgeon services in the hospital or ambulatory surgical center
- Assistant surgeon services up to 20% of the primary surgeons benefit
- Anesthesia services up to 20% of the primary surgeons benefit
- Intensive care up to three times the average semi-private room rate
- X-Ray exams, laboratory tests and analysis
- X-Ray and radioactive isotope therapy, anesthesia, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical supplies
- Blood or blood derivatives and their administration
- Ground ambulance services up to $500 per occurrence
- Air ambulance services up to $1,000 per occurrence
- Gallbladder surgery
- Injury or disorders of the knees
- Inpatient prescription drugs
- Organ, tissue or bone marrow transplants up to $150,000 coverage period maximum
- Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 coverage period maximum**
- Mammography, Pap smear and screens
*Benefits may vary by state.
** The AIDS maximum of $10,000 per coverage period does not apply to policies/certificates issued to residents of AZ, CA, CO, DC, ID, IN, MD, ME, MO, NH, NC or ND. The maximum benefit in KS is $75,000 per coverage period. |
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