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Freedom Short Term Major Medical

 

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Freedom Plan Overview
• Unlimited re-applies
•

choose any doctor or hospital

•

convenient payment options

•

coverage for 1 - 6 to 12 months
• 1 million life time maxim per certificate
• First, meet your deductible. choose from 4 options: $250,$500, $1,000, 2,000 
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Then Freedom STM pays 80% of the next 5,000 of covered expenses
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After this, Select STM pays 100% of covered expenses up to your lifetime maximum of $1 million. 

What is covered?
• Services of licensed Physicians, Registered Nurses, Surgeons, Assistant Surgeon, and Anesthetist
• Prescription drugs up to $500 and injections
• X-rays and laboratory tests
• Ground ambulance service
• Pre-admission testing
• Hospital emergency room services
• Hospital services including outpatient department or ambulatory surgical facility services
• Hospital room and board and general nursing care while confined in a semi-private room
• Intensive care
• Chemotherapy and radiation therapy
• Intensive, cardiac, burn or other specialized care unit
• Physiotherapy
• Braces and appliances
Detailed information about these and additional Covered Expenses is listed in the Policy. Not all covered expenses apply in every state, and additional expenses might be covered in your state. Consult the Policy for provisions in your state.
Can I continue Coverage?
Liberty 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 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 STM Plan is available in your resident state at that time; plan benefits, premium and features may vary. Not available in UT.
Is there coverage after termination?
If an Insured incurs medical expenses after the Termination Date from a covered Injury or Sickness for which benefits were paid before the Termination Date, Covered Medical Expenses for such Injury or Sickness will continue to be paid as long as the condition continues:
1.) When Hospital Confined on the Termination Date, not to exceed 90 days after the Termination Date;
2.) When not Hospital Confined on the Termination Date, not to exceed 30 days after the Termination Date.

The Insured Person must:
a.) have met his or her Deductible during the Benefit Period; and
b.) be being treated for complications of or follow-up treatment for an Injury or Sickness which commenced during the Benefit Period.
Who is eligible?
You and your spouse (to 64 years and 11 months) who are members of USA and your unmarried dependent children (between age 15 days to 19 or 23 if a full-time student) that live with you may apply for coverage. To be
considered for coverage, proposed Insured's must not:
a.) have other hospital, major medical, health, governmental, or medical insurance coverage in force that will not terminate prior to the Effective Date of the plan;
b.) be pregnant or the expectant father of an unborn child on the Effective Date;
c.) have been declined for insurance due to health reasons;
d.) have received consultation or treatment, within the past five years, for any conditions identified on the application.
When does the coverage start?
Your coverage begins at 12:01 a.m. (where you live) on the Policy date listed on the application or the day after the postmark date on your application envelope, whichever is later. If your envelope is not postmarked by the U.S. Postal Service or the postmark is illegible, your Policy date will be the later of the date you request or the date HPA, Inc. receives the application.
Pre-existing condition limitations
Yes, Pre-Existing Conditions are not covered. A Pre-Existing Condition is defined as:
1.) the existence of symptoms within the 12 months immediately prior to the Insured’s Effective Date or,
2.) any condition which originates, is diagnosed, treated, or recommended for treatment or for which medication was prescribed or recommended within the 12 months immediately prior to the Insured’s Effective Date.
Usual and customary charges
This plan provides benefits based on Usual and Customary Charges, defined as the lesser of:
1.) the actual charge;
2.) what the provider would accept for the same service or supply in the absence of insurance;
3.) the reasonable

Charge as determined by the Company, based on factors such as:
a.) the most common charge for the same or comparable service or supply in a community similar to where the service or supply is furnished;
b.) charging protocols and billing practices generally accepted by the medical community or specialty;
c.) inflation trends by geographic region.
When does the coverage terminate?
Coverage will terminate on the earlier of:
1.) the Benefit Period termination date;
2.) the last day of the period through which the plan cost is paid;
3.) the date the Insured Person attains age 65 or becomes Medicare eligible;
4.) if a dependent child, the date on which his/her eligibility terminates.
What is covered?
• Services of licensed Physicians, Registered Nurses, Surgeons, Assistant Surgeon, and Anesthetist
• Prescription drugs up to $500 and injections
• X-rays and laboratory tests
• Ground ambulance service
• Pre-admission testing
• Hospital emergency room services
• Hospital services including outpatient department or ambulatory surgical facility services
• Hospital room and board and general nursing care while confined in a semi-private room
• Intensive care
• Chemotherapy and radiation therapy
• Intensive, cardiac, burn or other specialized care unit
• Physiotherapy
• Braces and appliances
Detailed information about these and additional Covered Expenses is listed in the Policy. Not all covered expenses apply in every state, and additional expenses might be covered in your state. Consult the Policy for provisions in your state.
Payment Options
There are two payment options available. If you choose the Single Payment option, you pay for your coverage up front. You can pay for 30, 60, 90, 120, 150 or 180 days of coverage. If you choose the Monthly Payment option, you
pay for your coverage in monthly installments, up to 6 months.

When you choose the Monthly Payment option, if your need for short term medical insurance ends before the 6 month period is over, you can stop the coverage by not making any more monthly payments. You can pay by credit
card, auto bank withdrawal or check.
Satisfaction Guaranteed
Once you receive your certificate, 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 refund
(less the administration fee) — no questions asked.


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