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Short Term Insurance

Secure STM

Secure STM plans are available to individual and families living throughout Iowa, Kansas, Minnesota, Nebraska, South Dakota and Wisconsin.

Plan Highlights

Life changes — often unexpectedly. When life leaves you temporarily uninsured, short-term health coverage can help protect you in the meantime. Secure STM short-term coverage is designed for individuals or families in transition who need 30 to 90* days of coverage to protect against unexpected major medical expenses. Secure STM is great if you:

  • Missed signing up during open enrollment and are not eligible for special enrollment
  • Are between jobs or waiting for coverage to start through your job
  • Recently graduated and are looking for a job
  • Waiting for your long term coverage to start

Whatever your situation, Secure STM is available to help fill the gap in your health coverage.


Network Information

Who Your Care Comes From

With a Secure STM plan, you have access to discounted medical services through two national networks: ACS and MultiPlan. While you have the option to choose any health care provider, the discounts available through network providers for covered services may help to lower your costs.

Search the ACS online directory »
Search the MultiPlan online directory »


Eligibility and Enrollment

To qualify for Secure STM, you must:

  • Be a resident of Iowa, Kansas Minnesota, Nebraska, South Dakota or Wisconsin** resident
  • Members of Communicating for America, Inc. (CA) from 18 and 64 years old. The CA membership requirement varies by state.
  • To hold a family policy, primary applicants must be between age 18 and 64. Dependents must be under age 26.
  • Child-only coverage available for ages 2 through 18
  • Each applicant must qualify based on the plan's application questions and underwriting guidelines.

Enrollment is accepted year round — meaning you don't need to wait for open enrollment. If approved, your coverage can begin as early as the day following your online application or the postmark date stamped on your envelope.


Short Term Coverage and Health Care Reform

Secure STM short-term coverage is not a Qualified Health Plan under the Affordable Care Act. This means it does not meet the federal health care reform requirements to have minimum essential coverage; short-term policies are not required to under the law.

What does this mean for you?

  • You could be subject to a tax penalty if you're without minimum essential coverage more than three months of the year.
  • You will not be able to apply for cost sharing assistance or subsidies. These mandates do not apply.
  • Short-term coverage helps protect against unexpected illnesses or injuries. It does not cover pre-existing conditions (including for those younger than 19) or all the essential health benefits.
  • Coverage is subject to underwriting. Each applicant must be able to qualify based on set underwriting guidelines. This product is underwritten by Standard Security Life Insurance Company of New York, a member of the IHC Group.

This product doesn't comply with the minimum health plan requirements of the Patient Protection and Affordable Care Act; however, it's not required that this product meet these requirements.

Secure STM is insured by Standard Security Life Insurance Company of New York, a member of The IHC group. Secure STM is marketed and distributed by Medica. 

* The maximum coverage period varies by state 

** WI Residents: Coverage is available to members of Communicating for America, INC. (CA), the Group Policyholder. Your enrollment as a member of CA is completed upon receipt of the association dues.


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Plan Documents

Date: 4/21/2018 10:09:49 PM Version: 4.0.30319.42000 Machine Name: PWIVE-CMSWEB02