Flex Term
Temporary Health Insurance Insurance
(Available for up to 36 months)

$1 Million Lifetime Maximum Per Insured Person

Plan Description and Benefit Information

For a quotation on line, click here

Flex Term Temporary Health Insurance

The Flex Term health insurance plan allows you and your family to purchase high quality, affordable major medical coverage on an intermediate basis for a period of time from one to up to 36 months.   The covered benefits include expenses for doctors services, surgery, out-patient and in-hospital care.  You can choose any doctor or hospital,  You are covered 24 hours a day worldwide. 

What is Flex-Term Medical? 

A NEW kind of Temporary Major Medical Insurance Plan that is flexible and satisfies your medical insurance needs for up to 12 months at a time. You can pay for the coverage you need now, or pay it monthly for up to 12 months, so it's easy on your budget. If you continue to need major medical insurance at the end of the 12 Month Period, you can apply for another 12 Month Coverage Period.

* You can apply for up to three consecutive 12 Month Coverage Periods for a total of 36 months of coverage. 

* When your coverage period is almost over, you will receive an application form to apply for another 12 month coverage period. If you re-apply within 30 days prior to the end of your coverage your insurance and your monthly installments will not be interrupted. Furthermore, any condition(s) for which benefits were paid during a certificate period will not be subject to the pre-existing conditions limitation during any subsequent certificate period, provided the enrollment form is received by HPA, Inc. on time. However, any condition(s) that were excluded because of a pre-existing condition under the prior coverage period will continue to be subject to the pre-existing conditions limitation under the following coverage period.

Simplified Underwriting

Underwriting has been simplified.  If you can answer NO to the 5 questions found at Questions, then you can be covered.  These plans do not cover you for pre-existing conditions.  Other plans consider pre-existing conditions, conditions you have had over the past 5 and maybe up to 10 years back.  The Clarendon STM plans only look back at the conditions you have had in the past three years.  This is could very important to you.

Easy Payment Options

We've made it easy for you to pay for your Short Term Medical program.  Our Monthly Pay Options offers you the opportunity to pay for your program in easy monthly installments over a plan period of 1 to 6 or 12 months* and for your added convenience, choose to bill the monthly costs to your Visa, MasterCard or Discover; or automatic bank withdrawal.

Select the Payment in Full Option, which offers a special single payment incentive to prepay the entire cost for your coverage choice of:

30 days (1 month); 60 days (2 months); 90 days (3 months); 120 days (4 months); 150 days (5 months); or 180 days (6 months). You can pay the cost in full by either; check, money order or credit card

(Visa, MasterCard and Discover are accepted).

*The maximum number of months for the monthly Pay Option may vary by state.

Covered Medical Expenses

Exclusions and Limitations: Pre-existing conditions are not covered

A pre-existing condition is any condition that required medical treatment, consultation, or expense during the 3 years* immediately before the insured person's Effective Date of Insurance; or which produces symptoms within 3 years* immediately prior to the insured person's Effective Data of Insurance. These symptoms must be significant enough to establish manifestation or onset by one of the following test: (1) they would allow a physician to make diagnosis of the disorder; or (2) they would cause an ordinarily reasonable person to seek diagnosis or treatment. * May vary by state.

Other expenses not covered under this plan include:

Eye examinations. Eye glasses. Hearing Aids and Surgery – Charges in connection with eye examinations, eyeglasses, contact lenses, routine hearing exams to access need for or change in hearing aids, hearing aids or their fittings, lasik, RK or other corrective vision surgery, hearing loss surgery; unless the charges are necessarily incurred to treat, within 24 months of its occurrence, an accidental bodily Injury sustained while the person was insured for this benefit and the treatment giving rise to the charges begins within 90 days after the date of the accident causing injury. Dental Work – Charges incurred: (1) orthodontic or dental work, diagnosis or treatment (unless necessarily incurred to treat an accidental injury to sound, natural teeth sustained while the person was insured, and the charges begin within 90 days after the accident causing the injury); (2) prognathism, retrognathism , microtrognadibular reposition of the maxilla (upper jaw) or mandible (lower jaw) or both maxilla and mandible; and (3) temporomandibular joint dystunction (TMJ). Alcohol or Drug Disorders – Only charges that are incurred while the person is confined as a Hospital Registered Bed-Patient to treat the Alcoholic or Drug Disorders. Surgery – Eligible Expenses for the first six months of coverage do not include a total or partial hysterectomy, unless it is Medically Necessary due to a diagnosis of carcinoma (subject to all other policy provisions, including but not limited to the pre-existing condition exclusion); tonsillectomy; adenoidectomy; repair of deviated nasal septum or any type of surgery involving the sinus; myringotomy; tympanotomy; or herniorrhaphy. Benefits are not payable and charges will not acrue toward any deductible, for expenses resulting from: War, riot or any act incident to war or riot; while committing or attempting to commit an assault or felony; intentionally self-inflicted injuries, suicide or attempted suicide (while sane or insane), military service, Insured Newborn dependent child not yet discharged from the Hospital, unless incurred as the result of premature birth, congenital Injury or Sickness, or Sickness or Injury sustained during or after birth. Any work-related accidental bodily Injury or Sickness for which the Member or Insured Dependent is covered under a Worker's Compensation Act or similar law. Pregnancy or any complication of therefrom or elective termination of Pregnancy (except a Complication of Pregnancy as defined in the Group Policy). Any services furnished by the Member, a Dependent or his Immediate Family. Services or supplies rendered to a transplant donor of any organ or bodily element or the acquisition cost of any organ or bodily element. Any treatment for the purpose of causing a Pregnancy, such as drugs, medicines; artificial insemination; in vitro fertilization; and embryo transplants or any condition or complication caused by or resulting from such treatment. Sterilization or reversals of sterilization. Participation in skydiving, scuba diving, hang or ultra light gliding, riding an all terrain vehicle such as a dirt bike, snowmobile, or go-carts, racing with motorcycles, boats, or any form of aircraft or any participation in sports for pay or profit, and rodeo contests. Charges not defined or are not specifically identified under the Group Policy as Eligible Expenses. Committing or attempting to commit an assault or felony. Voluntary inhalation or ingestion of any gas, poison or poisonous substance. Cosmetic, reconstructive or plastic surgery unless: As a result of an Injury that occurred while the person was insured; or (a) To correct the disorder of a normal bodily function if the disorder had its inception while the person was insured under the Group Policy; or (b) Expenses are incurred for reconstructive breast surgery on a non-diseased breast to establish symmetry with the diseased breast following a mastectomy. Custodial maintenance, routine physical or premarital examinations, check ups, diagnostic or other tests, immunizations, screenings and research studies, preventative or routine care, except as specifically covered under the Group Policy. Testing, diagnosis or treatment of learning disabilities, attention deficit disorder, hyperactivity, autism or related conditions. Experimental services, supplies or treatments. Travel, even though prescribed by a Physician. Obesity, including any treatment, advice, consultation, medication, program or surgery. Weak, strained or flat feet; instability or imbalance of the foot; metatarsalgia, bunions, corns, colluses or toenails; except for charges: (I) by a Hospital during Confinement; (ii) for the care and treatment of a metabolic or peripheral vascular disease; (iii) for prompt repair or Injury from an accident that occurred while the insured person was insured under the Group Policy. Gender change or modification, sterilization or elective reversalsurgical procedures; breast reduction or breast enlargement for any reason; or the treatment or testing for sexual dysfunction. Common household items, i.e. exercise cycles; air or water purifiers; air conditioners; allergenic mattresses; and blood pressure kits. Outpatient prescription drugs, medicine, vitamins, mineral or food supplements, contraceptives, prenatal vitamins or any over the counter medicines. Any expense for an Injury or Sickness occurring while under the influence of alcohol, illegal drugs, hallucinogenic or narcotics unless prescribed by a Physician and used as recommended. Complications resulting from treatment of conditions not covered under the Group Policy. Expenses for testing or treating a sleeping disorder.

Reasonable and Customary Charges

A charge which is: (1) made by a Physician or a supplier of services, medicines, or suppliers; and (2) the customary charges made by others rendering or furnishing such services, medicines, or supplies within an area in which the charge is incurred for Sickness or Injuries comparable in severity and nature to the Sickness or Injury being treated.  The term area as it would apply to any particular service, medicine or supply, means a county or such greater area as is necessary to obtain a representative cross section of level of charges.

Coverage Continuation

The Freedom 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 a 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 preexisting condition, and excluded under the next coverage period.  Certificate members over the age 64 are not eligible to reapply for coverage. (Except in the states of California, Colorado, Michigan and Nevada your coverage periods combined cannot exceed a total of 6 months.)

**Only if an STM plan is available in your resident state at that time; plan benefits, premium and features may vary.

Coverage Continuation

Coverage will end if the premium is not paid when due, you enter full-time active duty in the Armed Forces, become eligible for Medicare, you cease to be a Member of the Association, the Group Master Policy terminates, the expiration of the elected Coverage Period, if Clarendon National Insurance Company determines fraud or misrepresentation has been made in filing a claim for benefits, or on the date a dependant ceases to be eligible. 

Coordination of Benefits

Benefits may be reduced if you have other health care coverage, so that the total paid does not exceed the allowable expenses. 

Extension of Coverage After Termination

If a member, or insured dependant, is receiving benefits for a hospital confinement on the date that the Group Policy terminates, benefits will continue in accordance with the terms of the Group Policy for as long as that confinement remains continuous and the member or insured dependent is Totally Disabled by reason of such Injury or Sickness. However, in no event will coverage continue beyond the end of 90 days following the date the Group Policy or his coverage terminates. Benefits payable after the Coverage Period in which insurance under the Group Policy terminates are subject to a new Deductible Amount and satisfaction of Co-insurance limit. 

Satisfaction Guarantee

If you are not completely satisfied with this plan for any reason, and you have filed no claims, you may return the Certificate of Insurance within 30 days and receive a full refund of all monies paid. 

The Insurance Company

Clarendon National Insurance Company is rated A (Excellent) for financial condition by the A.M. Best Company, independent analysts of the insurance industry.  A.M. Best Ratings range from A++ to D. 

The Plan Administrator

Health Plan Administrators, Inc is a fully licensed, full service Third Party Administrator transacting business worldwide. HPA is a third generation company dating back to 1939. Industry leading services include: professional customer service, prompt claims payment, state of the art billing and reporting.
 

This site provides only a brief description of the benefits, exclusions and other provisions of the Master Policy CNL-6000-ST-MP. This site is not a contract of insurance. To the extent any information in this site is inconsistent with the Master Policy, the terms of the Master Policy will control. Because the Master Policy is issued and delivered in the District of Columbia, laws of other states may not apply in all instances. Benefits may vary in different states. 

Sample Certificate to download

For a quotation on line,

Plans offered by
Health Plan Administrators
Rockford, Illinois
Insured by Clarendon National Insurance Company
Rated A (Excellent) by A. M. Best

For further information please e-mail
pierre@assurance-reseau.com
Phone:  (954) 328-6750  Fax: (305) 556-3680

Return to Main Page