Plan Information:

The Flex Term 12 x 3
Short Term Major Medical Insurance
$1 Million Lifetime Maximum Per Insured Person

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. Eligibility up to age 60.

• You can apply for up to three consecutive 12 Month Coverage Periods if an STM plan is available in your state at that time.

• 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. You must be 59 years or younger to re-apply. Plan benefits, premiums and features may be different.

The Flex Term Medical Plan offers...

• Provides comprehensive Major Medical insurance protection

• Allows 12 months of coverage

• Is suited for individuals and families, or even child-only coverage

• Covers you in case of emergency

• Covers you worldwide, in case you need care while traveling

• Pays benefits up to $1,000,000 lifetime, per insured person

• Allows a choice of $250, $500, $1,000 or $2,500 deductibles

• Gives you the freedom to choose any doctor and hospital

• Offers an optional prescription drug discount program (not affiliated with Insurance Company or part of the Flex Term Policy)

• Makes it easy on your budget with several monthly payment options: check, money order, credit card, automatic bank withdrawal and direct bill

The Flex Term Medical Plan is perfect if you are...

• Self-employed

• A part-time or temporary worker

• Between health insurance plans

• Unemployed or recently laid off

• Looking for a lower-cost alternative to COBRA or more comprehensive health insurance

• A college student or recent graduate who is just starting out

• Unable to afford other coverage

Underwritten by: Clarendon National Insurance Company Rated A (Excellent) by A.M. Best Reports, independent analysts of the insurance industry.