Hegeman Insurance Brokerage, LLC | Peter C. Hegeman, Licensed Florida Health and Life Insurance Broker | 400 E. Colonial Dr. Suite 1302, Orlando, Fl  32803 | ph: (407) 425-9347 | Return to Homepage


Special Report: Making Florida Health Insurance Affordable  

Did you know?  Short term insurance is a low-priced and effective alternative to traditional health insurance, even if you have been declined.

Short term health insurance is the perfect fit for those who are: Between jobs Waiting for coverage after you've started a new job A college student Unable to qualify for or afford an individual Florida health insurance plan or COBRA Type 2 Diabetics - in good health

Coverage is issued monthly in 6 or 12 month increments (up to 3 years) and up to $2,000,000 in benefits!   Policies can be issued within 24 hours and you can pay monthly, cancel at anytime. There is a 10 day free look period to review policies and no questions asked full refund if not completely satisfied.

Several Short Term Companies to Choose From!
 

Who is the Standard Security Life Insurance Company? 

The Secure STM is insured by Standard Security Life Insurance Company of New York (Standard Security), a member of the IHC Group. Standard Security is rated A- (Excellent) by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insureds. Standard Security has chosen Health Plan Administrators, Inc. (HPA), also a member of the IHC Group, to provide service for your Secure Lite STM plan.   The IHC Group is an insurance organization comprised of Independence Holding Company (NYSE: IHC) and its operating subsidiaries. The IHC Group has been providing life, health and stop-loss insurance solutions for over 25 years.

CHECK OUT THE NEW...use the following link:  The Secure Saver Plan with $50 UNLIMITED doctor visit co-pays!

1. Choose from four daily deductible options: $250, $500, $750, $1,000. After one covered person satisfies their daily deductible, covered charges that exceed the daily deductible amount on that same day are covered at 100%.
2. The daily deductible family maximum is deemed satisfied for the remainder of that day when two covered persons each satisfy their individual daily deductible.
3. The $4,000 coinsurance limit is deemed satisfied when one covered person satisfies their individual coinsurance limit for the coverage period. After this, Short Term Medical pays 100% of covered expenses up to the coverage period maximum of $2,000,000. The daily deductible is included in the coinsurance limit. The coinsurance limit does not include copays, pre-certification penalty amounts and other expenses not covered.
 

Secure Short Term Medical - Most Comprehensive Coverage Available for up to 6 or 12 months at a time.  $2,000,000 policy max.

Secure STM pays benefits for each covered person in the following manner (subject to specific benefit limits):

1. First, you meet the deductible you selected. Choose from four options: $500, $1,000, $2,500 or $5,000
2. Next, the Secure STM plan pays at the coinsurance level you selected, 80% or 50% of the next $10,000 of covered expenses.
3. After this, Secure STM pays 100% of covered expenses up to your coverage period maximum of $2 million.

Or...Consider the Short Term Plan 12 x 3 which covers you for up to Three (3) Years and $2 million

IDEAL FOR STUDENTS !  Insured by Standard Security Life Insurance Company of New York Rated A (Excellent) by A.M. Best Reports.

Option for up to three (3)  12 month coverage periods - that's three years worth of great health insurance at an affordable premium!

1. Includes Rx Drug Card - up to $10 for Generic Drugs

2. $500 Supplemental Accident Option

3. Choose any doctor or hospital

4. Choice of $500, $1,000,$2,500, and $5,000 deductibles

5. Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft

United Health Cares' Short Term Medical plans have low rates and EXCELLENT PPO discounts through United Health Care.  Coverage for routine check ups included at no additional cost. click here for details...

Allied National - Allied Temporary Health is underwritten by American Alternative Insurance Corporation of Princeton, New Jersey (NAIC#19720) under Policy Form STM2006-1. American Alternative is a subsidiary of Munich Re America Corporation and an affiliate of Munich Reinsurance American, Inc.
 

• NEW! Deductible waived for accidents!

• A 10 day free look, money back guarantee

• FREE Discount RX Drug Card

• $1,000,000 Lifetime benefits from an "A+" Rated Insurance Carrier  

  American Alternative is rated A+ (Superior) by A.M. Best, an independent insurance rating organization.