8

Important notices and disclaimers

• Do not cancel any health insurance coverage you currently have or decline cobra benefits until you receive an approval letter and insurance policy (also known as an insurance contract or certificate) from the insurance company you selected. Make sure you understand and agree with the terms of the insurance policy. Pay special attention to the effective date, premium amount, waiting period, benefits, limitations, exclusions, and riders.
• Short-term health insurance is a temporary plan designed for people who don't currently have health insurance and are waiting for longer term, major medical insurance coverage. Short-term policies do not cover pre-existing conditions. Short-term insurance is also not considered minimum essential coverage under the Affordable Care Act (ACA, also called Obamacare), and even if you enroll in and maintain short-term coverage, you may still be subject to the tax penalty. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.
• The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
• The quotes or rates shown above are for your requested effective date ONLY. If the actual effective date of your policy is different from the requested effective date, the actual premium of your policy may differ from the quote or rate above. The change in amount may be due to premium increases or policy changes from the insurance company and/or one or more family members having a birthday. (Rates are highly dependent on age.) The carrier you selected may not guarantee their rates for any period of time.
• Carriers cannot guarantee the availability of a provider (or providers), and may add, delete or change a participating provider (or providers) at any time without prior notice to you. Please contact your chosen carrier for updated information before using the services of any provider.
• The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
• Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
• The Monthly Cost amounts shown are subject to change at any time. Insurance companies reserve the right to change the terms of a policy upon proper notification.

Carrier specific notices, disclaimers and fees

• Standard Security Life Insurance Company of New York requires an administration fee of $15 which is included in the monthly quote and a one-time, $20.00 enrollment fee. If you are not completely satisfied, you can cancel this coverage within the 10 Day Right to Return provision, shown in the Certificate of Insurance, for a refund of premiums. Any administrative or other fees that apply will not be refunded.
• The quotes shown for Standard Security Life Insurance Company of New York are illustrative for your requested effective date ONLY. If the actual effective date of your policy is different from your requested effective date, the actual cost of your policy may differ from the quote above due to rate increases or policy changes from the insurance carrier and/or one or more family members having a birthday. (Rates are highly dependent on age.) The carrier you selected may not guarantee their rates for any period of time. All applications including premium rates are subject to final approval by our underwriting department and some nominal premium variances may occur.
• If you are applying for Standard Security coverage, you may print out your policy/certificate insurance documents for your personal records. Your policy will not be considered in-force until payment is received and processed. If payment is not received by date specified, policy will be voided. Upon receipt of payment, an approval letter and permanent ID cards will be mailed.
• IHC Group - Underwritten by Standard Security Life Insurance Company of New York.