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Licensed Agent´s Name: ROBERT MCCLOSKEY  
Licensed Agent´s Phone: 800-445-3126  
Licensed Agent´s Email: ROBM@bobmccloskey.com  
 
Short-Term Medical
Short term medical pays benefits like a major medical insurance plan, but for a predetermined length of time. These affordable plans have a wide range of deductibles to fit your lifestyle needs and budget.
Collegiate Sports Med STM
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Short Term Medical Insurance
Underwritten by Starr Indemnity & Liability Company

covers you while you participate in any college sport, as well as for an unexpected illness or accident that can happen every day. So don't put your financial future at risk, if you can purchase a short term medical insurance plan, until permanent insurance is available for you.
Exclusive plan features include:
logo starr
  • Pays up to $750,000 Lifetime Maximum per Covered Person
  • Choice of Coverage Periods of less than 12 months (12 month option is not available in all states)
  • Choice of deductibles - $250, $500, $1,000, $2,500
  • $10,000 Accidental Death Benefit*
  • After satisfaction of the deductible, the Coinsurance pays either 50% or 80% up to $5,000 or $10,000 Coinsurance Maximum. Then 100% thereafter up to the Lifetime Maximum, subject to the benefit maximums listed in the Schedule of Benefits.

Includes non-insurance related benefits and discounts**:
  • Teladoc - The TelaDoc National Network of Board Certified Physicians provides diagnostic consultations via the telephone 24 hours a day, 365 days a year and there is no charge for the consultation. This is a doctor's visit you can afford. TelaDoc physicians use your personal medical information and telephone consultations to diagnose, recommend treatment, and write short-term prescriptions. Call TelaDoc when traveling to a doctor's office or making an appointment is not convenient; or while away on business or vacation; or feeling ill in the middle night; or anytime!
  • Kare360
  • Chiro & Podiatry Plus - Chiropractic & Podiatry Services, with X-ray, Lab, Vitamin & Pet Med Discounts.
  • MedCare USA Discount Prescription Drug Card and Outlook Vision
  • PHCS PPO Hospital Network
  • Med-Sense Guaranteed Association

** These benefits are not associated with the insurance company, or a part of the Short-Term Medical Insurance plan. These benefits and discounts are not available in all states.

  • Freedom to choose any doctor or hospital
  • Choose to pay plan costs by MasterCard, Visa or Automatic bank draft.
  • Incudes non-insurance benefits - RX 4 tier prescription drug card, vision discounts, PHCS PPO network and the Med-Sense Guaranteed Association
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.
Legal Disclaimer:This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy form number AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern.
Collegiate Sports Med STM is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
This is Short Term Medical (STM) Insurance and terminates at the end of the coverage period selected. STM insurance is not designed as a substitute for permanent basic health insurance or major medical insurance.
*Not available in all states
If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com
CSM01-05102009
Benefit Details

Collegiate Sports Med Short Term Medical Plan covers you while you participate in any college sport, as well as for an unexpected illness or accident that can happen every day. So don't put your financial future at risk, if you can purchase a short term medical insurance plan, until permanent insurance is available for you.
How do I figure out what I need and where do I start?
First, you select your Coverage Period:
  • Single Payment:
    This option is ideal if you know the exact number of months you need coverage. You may apply for coverage up to 6 or 12 months (not available in all states). We accept payment by check, Visa or MasterCard.
  • Monthly Pay:
    This is ideal if you are unsure how long coverage is needed. This "pay as you go" option gives you the flexibility to continue coverage for as long as it's needed or simply stop payments and discontinue the plan once your temporary need ends you can select coverage of less than 12 months (12 month option is not available in all states). We accept automatic monthly payments by Visa, MasterCard or Bank Draft.
Then, based on your lifestyle needs and budget, you select one from each of the following:
  • Deductible: $250, $500, $1,000 or $2,500
    This is the amount of Covered Expenses that each Covered Person must pay before Coinsurance benefits are payable.
  • Coinsurance Percentage: 80/20 or 50/50
    After the deductible is satisfied, this represents the percent of covered expenses that we pay and that you pay up to the Coinsurance Limit.
  • Coinsurance Limit: $5,000 or $10,000
    Once you've reached your Coinsurance Limit of $5,000 or $10,000 (based on your selection), we pay 100% up to the Lifetime Maximum. For example, if the coinsurance is 80/20, we pay 80% and you pay 20% for covered expenses until you have met your Coinsurance Limit. Then we pay at 100% up to the Lifetime Maximum.
What medical expenses are covered?
The following benefits are for Insured and each Covered Dependent subject to the plan Deductible, Coinsurance Percentage, Coinsurance Limit and Lifetime Maximum of $750,000. Benefits are limited to the Usual, Reasonable and Customary charge for each Covered Expense, in addition to any specific limits stated in the policy.
  • In Hospital Covered Expenses up to $1,000 per day (includes all miscellaneous medical charges)
  • Intensive or Critical Care Covered Expenses up to $1,250 per day (includes all miscellaneous medical charges)
  • In Hospital Doctors Visits up to $500 per hospital stay
  • Outpatient Miscellaneous Charges up to $1,000 per Coverage Period
  • Doctors Office and Urgent Care Center up to $25 per visit, up to 4 visits per Coverage Period
  • Foreign Travel after a $250 Benefit Deductible up to a $25,000 Maximum per Coverage Period
  • Skilled Nursing Facility $30 per day up to a maximum of 30 days per Coverage Period
  • Ambulatory Surgical Center or Outpatient Hospital Surgery up to $1,000 per day (includes all miscellaneous medical charges)
  • Surgeon services in the hospital or ambulatory surgical center up to $2,500 per surgery, not to exceed $5,000 per Coverage Period
  • Assistant Surgeon services up to 20% of surgeons benefit (this benefit combined with surgery and anesthesia cannot exceed the $2,500 limit per surgery or $5,000 limit per Coverage Period)
  • Anesthesia services up to 20% of surgeons benefit (this benefit combined with surgery and assist surgery cannot exceed the $2,500 limit per surgery or $5,000 limit per Coverage Period)
  • Ambulance Ground or Air Maximum Benefit of $250 per trip
  • Home Health Care up to $40 per visit up to a Maximum of 40 visits per Coverage Period
  • Hospice Care up to $5,000 Maximum per Coverage Period
  • Acquired Immune Deficiency Syndrome (AIDS) same as any sickness
  • Temporomandibular Joint Disorder (TMJ) up to $3,500 Maximum per Coverage Period
  • Organ tissue transplants up to $50,000 Maximum per Coverage Period
Note: This is a brief description of the plan benefits, which may vary by state.
What is Pre-Admission Certification?
This plan requires a Pre-Admission Certification by a Professional Review Organization service prior to in-patient hospitalization or surgery. You must call the service within 10 days prior an elective or non-emergency hospitalization or surgery; within 48-hours following an emergency admission, or as soon as reasonably possible if the person's medical condition prevents or delays such notification; within 48-hours of delivery (96 hours for cesarean section) for complicated childbirth; or as soon as reasonably possible. Failure to pre-certify will result in a reduction in benefits of 50%.
How does Usual, Reasonable and Customary affect my benefits?
We may use and subscribe to a standard industry reference source that collects data and makes it available to its member companies in order to determine the amount that should be considered as Usual, Reasonable and Customary for services and supplies.
The policy defines Usual, Reasonable and Customary to mean: The fees or charges for medical services or supplies which are usually charged by the provider for the service or supply given and the average charge for the service or supply in the locality in which the service or supply is received; whichever is less; or with respect to treatment or medical services, treatment which is reasonable in relationship to the service or supply given and the severity of the condition.
Do I have the option to use any doctor or hospital?
Yes, there is no PPO or HMO Network requirement to receive full benefits. However, you can access the PHCS PPO Network providers for medical care at negotiated prices.
What if I change my mind after I purchase the STM Coverage?
If for any reason you are not satisfied with your coverage, and you have not filed a claim, you may return the Certificate to us within 10 days after you receive it. We will refund any plan cost you paid and your STM coverage will be null and void.
What is the Pre-Existing Conditions Limitation?
We will not provide benefits for any loss caused by or resulting from, a Pre-Existing Condition.
A Pre-Existing Condition is defined as any medical condition or Sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended by or received from a Doctor within the 5 years immediately prior to a Covered Person's Effective Date of Coverage. (The Pre-Existing Conditions Limitation varies by state and may be less than 5 years.)
Who is eligible to apply for this insurance?
Med Plus STM is available to Med-Sense Guaranteed Association members and their spouses, who are between 18 and 64 years old and their dependent unmarried children under 19 years old or under 25 if a full time student in an accredited school (This may vary by jurisdiction.); and can answer "No" to all of the questions in the application for insurance. Child-only coverage is available for ages two though eighteen.
When does coverage start?
You can select your insurance to be effective as early 12:01 a.m. the day following the transmission date of your application. However, you can choose a later effective date, but not to exceed 60 days from the date of transmission. All coverage is subject to approval of your application and receipt of your first payment. There is a waiting period for certain surgical procedures. Review policy certificate for details.
When does the STM coverage terminate?
Med Plus STM will automatically terminate on the earliest of the following dates:
The Expiration date of your coverage; the date the Group Policy Terminates; the date the insurance under the Group Policy is discontinued; the due date of a payment, if it is not paid by the end of the 31 day grace period; the date you become eligible for Medicare; your dependent's coverage ends when your coverage terminates or the dependent becomes eligible for Medicare; or the dependent cease to be eligible; the date you enter full-time active duty in the armed forces of any country or international organization; or the date we determine fraudulent statements or material misrepresentation have been made by you or with your knowledge in filing a claim for benefits.
What services and charges are not covered?
The following is a partial list of services or charges not covered by Med Plus STM: *
  • Not medically necessary, except as specifically defined in the policy
  • Payable by Medicare or Workers' Compensation coverage
  • Payable under any automobile insurance
  • Declared or undeclared war, participation in a riot illegal act or occupation, or an attempted felony or assault
  • Pregnancy or childbirth, except for Complications of Pregnancy
  • Maternity and new born treatment prior to hospital discharge
  • Infertility or sterilization treatments or procedures
  • Mental Illness or Nervous Disorders, attempted suicide or intentionally self-inflicted Injury
  • Learning disorders, attention deficit disorder or hyperactivity, or autism
  • Alcoholism or abuse, drug addiction or abuse
  • Cost of programs, treatment, or procedures for tobacco use cessation
  • Dental or orthodontia care, eye exams or glasses, hearing aids, or sleeping disorder
  • Cosmetic or reconstructive procedures, except as specifically covered
  • Outpatient Prescription or Legend Drugs, or any over the counter medications or vitamins
  • Experimental or investigational services
  • Transplant services to the transplant donor
  • Foot conditions, acne or varicose veins or treatment of obesity
  • Services or supplies furnished or provided by an immediate family member
  • Skydiving, scuba diving, hang or ultra light gliding, all-terrain vehicle, dirt bike, snowmobile, go-cart, boat or aircraft
  • Racing with a motorcycle
  • Any sports for pay or profit, or participation in rodeo contests
  • Certain surgeries during the first 6 months
  • Medical care received outside of the United States or its possessions
* The limitations and exclusions may vary by state. Please see the Policy/Certificate of Insurance for detailed information about these and other plan limitations and exclusions. Short Term Medical Insurance is not subject to the requirements of the Patient Protection and Affordability Act or HIPAA. Short Term Medical Coverage, underwritten by Starr Indemnity and Liability Company, does not include a prescription drug benefit.
Who is Starr Indemnity & Liability Company?
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. A.M. Best ratings range from D to A++. Starr Indemnity & Liability Company has sole financial responsibility for it products.
Are there other value added benefits and savings available?
MedCare USA Prescription Discount Card (Automatically Included): *
With the rising cost of medication, the MedCare USA prescription discount card program can help you save on your prescription drug medications. The MedCare USA® card prescription discount card is NOT insurance, which makes it easy to use! You will pay 100% of the discounted price at participating pharmacies. Because it is a discount program, there are:
  • NO claim forms
  • NO reimbursement procedures
  • NO pre-existing condition exclusions
  • NO waiting periods
  • NO deductibles
  • NO benefit maximums
  • Save an average of 15% off retail price on many brand name prescription drugs
  • Save an average of 54% off retail price on many generic prescription drugs
This card is accepted at over 53,000 pharmacies throughout the United States, including most national chains and independent pharmacies. Simply present your membership card to a participating pharmacy and you'll qualify for savings when you pay at the time of service. Discounts are available only at participating pharmacies and may vary by pharmacy. Prescriptions obtained using the MedCare USA® card are not eligible for reimbursement through state or federal health care plans.
*This is automatically included at no extra cost with Collegiate Sports Med STM Plan.
* These are not insurance benefits and are not affiliated with Starr Indemnity & Liability Company or the Collegiate Sports Med STM.
Colorado Residents: The policy does not provide portability of prior coverage. As a result, any injury, sickness or pregnancy for which you have incurred charges, received medical treatment, consulted a health care professional, or taken prescription drugs within 12 months of the effective date of coverage will not be covered under this policy.
Underwritten by:
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.
Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy form number AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern.
Collegiate Sports Med STM is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
This is Short Term Medical (STM) Insurance and terminates at the end of the coverage period selected. STM insurance is not designed as a substitute for permanent basic health insurance or major medical insurance.
*Not available in all states
If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com
CSM01-05102009
About the Association

The Med-Sense Guaranteed Association (MSGA) is a Not-For-Profit corporation. Members of the MSGA enjoy discounts on a variety of health and travel services. There are multiple memberships of the association; the following is a brief overview of the benefits offered though not all benefits are included in every membership of the association.
Once you become a member, you will receive a separate mailing from the association with complete details on how to access your membership benefits.
To access and enroll in the Med-Sense Guaranteed Association please visit: www.medsensemembers.com
What are the Association Membership Features?
ID Resolution Identity Theft Service
ID Resolution, a leader in providing identity management services, offers victims or suspected victims unlimited access to an assigned fraud specialist who will facilitate the resolution of virtually any identity-related problem. All inquiries are handled as care-managed and communications take place over secure and encrypted systems and processes.
The Identity Theft Service package includes:
  • Identity Fraud Resolution
  • Home & Auto Invasion Claims Enhancement
  • Lost or Stolen Document Response
  • Identity Travel Response
  • Medical Identity Theft
  • Surviving Spousal Services
  • Relocating Residence
  • Marriage and Divorce
  • Services for Deployed Military Personnel
  • Infant & Minor Identity Risk Mitigation
  • Social Media Program
LensCrafters Vision Club
Association members and their eligible family members receive special rates on the following:
  • Lenses ground to prescription specifications in about one hour.
  • More than ten times the frame selection of ordinary optical stores.
  • Complete satisfaction guaranteed!
  • Savings at all LensCrafters locations nationwide.
  • 20% discount on all purchases at any LensCrafters.
  • Discount may be used by all family members, with unlimited usage!
Welcome to the privileges of LensCrafters Vision Club.
24 Hour Nurse Helpline Plan
The 24-Hour Nurse Helpline is designed to help members become more informed about their healthcare. The Nurse Helpline is a 24/7 confidential telephone service that allows members to ask questions and receive information about their health, illnesses and medications. There is no cost to use the Helpline.
Members have unlimited access to registered nurses via a toll-free number 24 hours a day, 365 days a year. These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about their health and the medical care they receive. However, our nurses do not diagnose or provide treatment.
The services include:
  • Confidential availability to registered nurses 24 hours a day
  • Explanations on what to expect during a medical test.
  • Help from a registered nurse who can answer questions regarding:
    • Diagnostic and surgical procedures
    • A recently diagnosed medical condition
    • Prescription and over the counter medication information
Gateway Medicard
In an emergency, getting vital health information to medical personnel quickly could be critical. When association members send in the completed Gateway Medicard Data Form, it is reduced in size and printed on a durable plastic card. It is easy to read with a standard magnifying glass routinely carried by medical professionals. The Gateway Medicard keeps the personal medical profile available so emergency medical personnel can administer appropriate care.
Discount Hearing Service
Association Hearing Services is a nationwide plan that offers its member's premium, name brand hearing aids at huge savings on a no-risk, 100% satisfaction-guaranteed basis. The professional, licensed staff is happy to discuss hearing needs and provide recommendations for the best solution to hearing problems.

If you already have results from a hearing test, you can e-mail, fax, or send the information to the Hearing Service.

The hearing instruments offered through this mail-order plan typically save a member between 50%-60% off the prices of most local audiology clinics or dispensing offices. Association Hearing Services has over 45 years of experience and hundreds of thousands satisfied clients.
Travel Association Plan
Association members receive the following services through the Travel Assistance Program when traveling more than one hundred (100) miles from your permanent residence:
  • Emergency Evacuation /Repatriation
  • Transportation of Mortal Remains
  • Transportation of Escort
  • Family Visitation
  • Minor Children Return/Escort
  • Vehicle Return
  • 24-Hour Information Service
  • Medical Monitoring
  • Medical Referral
  • Guarantee of Medical Expense
  • Insurance Coordination
  • Lost Documentation Service
  • Legal Assistance
  • Emergency Delivery of Prescription Items
  • Emergency Cash Transfer and Advances
This is NOT insurance and NOT available to Connecticut and Florida residents.
Hewlett-Packard Computer and Digital Equipment
Hewlett-Packard, a worldwide leader in computers and other digital hardware, has the right solution for your business or home office. Association members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.
Discount levels vary based on product-generally from 3%-10% off. Monthly promotions are available such as free shipping on discounted printing supplies, rebates and other value-added member benefits.
Customized Web Services - NAC Web Services
NAC Web Services provides the advantage of Website development and maintenance.NAC Web Services boasts an experienced staff of programmers and graphic designers ready to work for you. All of the latest programming capabilities including HTML, ASP.NET, Flash, XML, and database connectivity are available to association members. Our designs are crisp, clean, creative and custom-built to your Website specifications. We can also host your Website with our own AxisConnect web hosting service.
With an Internet Website by NAC Web Services, your company can enjoy limitless growth potential which is virtually limitless! Members receive a 20% discount on the following services: Custom Web Design; Evaluation and Re-Design of Current Sites; Website Hosting; Consulting on Viability of Internet Projects; and Internet Marketing.
UPS Express Delivery Services
Association members receive the following discounts:
  • 14%-28% off Next Day Air®/Next Day Air® Saver Letter/Package and Worldwide ExpressSM Export/Worldwide SaverSM Export Letter/Document/Package
  • 10%-21% off UPS 2nd Day Air® A.M. and 2nd Day Air® Letter/Package, 3 Day SelectSM (package) and UPS Worldwide Expedited (document/package)
  • 1%-5% off UPS Standard to Canada
  • 10% off UPS International Import including UPS Worldwide ExpressSM/ SaverSM/ ExpeditedSM/ Standard to Canada
Sprint - Wireless/Cellular and Mobile Broadband (for New Sprint Subscribers only)
New Sprint business subscribers receive a 19% program discount on most rate plans (excludes "Simply Everything") with an average savings of 25% - 35% compared to Sprint competitors!

Other benefits include: Corporate equipment pricing & upgrade eligibility every 12 months (new business accounts only); Blackberry Data Unlimited - only $24.99 (w/voice plan on new business accounts) compared to $39.99; PDA Data Unlimited - $18.00 (with 400 minute & voice plan, new business accounts w/ business plans only) compared to $30; Text Packages (business accounts and plans only) offering 300 Free (or 1000 for $4 and unlimited for $5); Voice Custom Pooled Plans (business accounts) offering 400 Minutes at a 25% discount, net price $30 (or 1,000 min at a 25% discount, net price $45 and 2,000 min. at a 25% discount, net price $75).

Your employees can take advantage of this program too! Mobile Broadband discounts for new Business Accounts only. Get 3G or 3G/4G Speeds - Sprint 3G/4G Data solution plans for connections cards - only $42.99/mo(28% off the typical price of $59.99); Multiple broadband cards available including mobile hot spot devices: Overdrive and Mi-Fi (connect up to 5 computers to one device!); 3G and 4G speeds where available; GPS Navigation enabled; Web browsing capable; Email capable; Memory card slot
Office Depot Office Supplies and Furniture
The Office Depot program qualifies members for discounts off list prices on over 16,000 items. Members report they save an average of 30% when compared to their previous office supplies provider. Buy online from the discounted member website, by phone or fax, or in the retail stores. There is free shipping for members.
You'll also get 40% discounts on in-store high-speed and self-service digital B/W and color copying services (including transparencies, reports/newsletters, brochures/flyers, presentations, and photographs) plus document binding services (finishing and laminating), everything you need for meetings and conferences!
Online offerings include: custom stamps (date stamps, signature style, corporate seals and embossers/notary seals) and custom printing (business cards, letterhead, envelopes, memo pads, announcements, carbonless forms, custom labels).
24 Hour Emergency Roadside Assistance
Association members can gain peace of mind on the road by registering for Emergency Roadside Assistance. Once registered, you will receive emergency roadside assistance membership materials including membership cards that will enable you and your family to get assistance from a participating service provider whenever car troubles arise. You will be covered for the first $50 per occurrence for each covered emergency expense, including towing, flat tire assistance, battery service and lock-out service.
Hop The Shops
Through a special arrangement with eGroupManager, Association members have preferred customer access to HopTheShops.com, a premium on-line shopping mall. HopTheShops.com includes more than 150 stores. Find high quality items at low prices for the best deals in America. Each vendor in the mall has been scrutinized carefully. HopTheShops.com offers the best value on quality items coupled with excellent customer service.
Here is a list of the categories:
  • Sporting Goods
  • Learning Tools & Education
  • Savings & Coupons
  • Travel
  • Health & Beauty Products
  • Music & Entertainment
  • Cards & Gifts
  • Books
  • Art
  • Automobiles
  • Home & Garden
  • Computers & Electronics
  • Toys
  • Fashion
  • Office Equipment & Services
  • Pet Supplies
  • Wine, Liquor & Cigars
  • Food
Whether you are looking for a laptop or a new car, you can comparison shop and actually view the items before buying. All of the vendors offer secure sites, prompt delivery service, and full customer satisfaction guarantees.
Preferred Member Program
By signing up with HopTheShops.com, you will receive access to special features that are for members only. HopTheShops.com will provide you with a "Members Only" newsletter, as well as special offers and discounts from their vendors (beyond the discounts already offered).
Why Prices Are Lower Online?
Internet merchants do not have the costs of maintaining a brick and mortar storefront. They also sell in large volume. This large volume, coupled with the lower overhead, results in savings for you.
Savers Book ® Club
Everyday savings are right at your fingertips! Association members can get a free copy of our popular Savers Club® Book, containing thousands of discount offers. Use it across the country or close to home.
Discounts include:
  • Save at the country's most popular theme parks and recreation destinations.
  • Save at the box office. Get reduced ticket prices at the nation's largest movie theatre chains.
  • Save up to 50% off the rack room rates at more than 4,400 participating hotels, motels, and inns worldwide.
  • Save on retail services like floral, automotive, health and beauty, dining and shopping.
1800Flowers.com
As an association member, you can save 15%* when you order flowers and/or gifts from 1800Flowers.com, one of America´s top providers of floral and specialty gifts.

You will enjoy top-quality customer service with same-day delivery on many items. 1800Flowers.com and its gourmet food brand, 1800baskets.com, offers a wide range of gifts: flowers, plants, plush toys, and balloons, plus gourmet food, gift baskets, cookies, brownies, popcorn, fruit, wine and spa products. Whether for Get Well, New Baby, Just Because or Bereavement, 1800flowers.com has the right gift for the right occasion.

Note: *Prices & Discounts are exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Offers available online and by phone. Offers cannot be combined, are not available on all products and are subject to restrictions, limitations and blackout periods. Prices and charges are subject to change without notice. Void where prohibited. © 2011 1800FLOWERS.COM, INC.
Carperks Buying Network
Many people dislike shopping for automobiles because they dread the anticipated hassle and the possibility of overpaying for a car. This program allows association members to benefit from a National Corporate Pricing Program that solves these issues. Carperks is currently offered as a "free perk" to employees of Coca-Cola, Verizon Wireless, American Airlines, Office Depot and several hundred other companies, and now, to Med-Sense Guaranteed Association members.
The Carperks dealer network has agreed to sell automobiles for a price better than their best Internet price, resulting in a price hundreds of dollars lower than the sales price of the retail sales department.
Car Rental Discounts
Association members take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.
Using this Service is Easy!
GymAmerica.com
Association members and family receive special pricing at GymAmerica.com*, the all-in-one interactive toolkit for the personalized diet and exercise program made to fit just one person: you. GymAmerica.com features Genesant's state-of-the-art nutritionist and personal trainer software, honored by Forbes magazine with its "Best of the Web" award.
GymAmerica.com features:
  • Personalized meal plans tailored to your needs and goals
  • Interactive program that uses your entered results to keep your diet on track
  • Smart weekly grocery shopping lists
  • Convenient at-a-glance calorie, fat, carb, and protein totals
  • Customized workouts to match your fitness level
  • Access-Anywhere online workout calendar and log
Use the Web's best interactive exercise and diet program to get your body in shape! Members receive the promotional discount price, three months for the price of two.
Vitamin Discount
HealthFitLabs is an online/mail order company that sells only the highest-quality natural vitamins, nutritional supplements, and bath and personal care products. Association members enjoy up to a 15% discount off online prices that are already reduced 5%-35% and up to 30% catalogue prices.
ADP Payroll Processing Service
Give your business the ADP advantage today
  • 25% discount on processing costs*
  • FREE month of payroll processing services
  • Waived one-time setup fee
*Minimum 25% off for NEW customers & up to 25% off for EXISTING customers Example: if the current discount is set at 15% then ADP will increase the discount by 10% bringing the account to a 25% total discount.
Industry-Leading Payroll Processing
ADP helps you focus on what you do best - running your businesses. ADP helps thousands of clients every day by processing payroll, calculating, depositing, and filing payroll tax documents.
Save Time and Money
ADP combines technology and process to reduce the amount of time you spend incorporating your payroll tax data. Submit payroll by:
  • Phone
  • Fax
  • Internet
We'll process your payroll, handle the tax fi ling, and provide net pay via:
  • Full services direct deposit
  • Traditional paychecks
  • Pay Cards
Save more time with ADP's solutions for:
  • Workers compensation
  • Unemployment compensation
  • Human resource services
  • Benefits administration
  • Retirement services
You can rely on ADP®, a company with 60 years of expertise that pays 1 in 6 U.S. employees. Designed to be simple, straightforward and intuitive, ADP's powerful Web-based payroll application for small businesses make it simple to run your payroll anywhere, anytime, and from any Internet connection.
**TotalSource customers are not eligible for the 25% discount.
Constant Contact
Your customers check their inbox all day, every day. You're sure to reach them when you work with Constant Contact. Build relationships, drive revenue, and deliver real results for your business.
Try Constant Contact FREE for the next 60 days!
Your free 60-day trial lets you explore the features and benefits of our Email Marketing or Online Survey tools. There's no software to download. No risk. No obligation. No credit card required.
Exclusive Discounted Pricing:
  • 6 Month Prepay - 20% Discount*
  • 12 Month Prepay - 25% Discount*
Step-by-Step Email Campaign Creation:
  • Design professional-looking emails in minutes with customizable templates and drag-and-drop editing.
  • No list? No problem. We make it easy to grow your email list and manage contacts.
  • Get ready to extend your reach and build your business with powerful social media integration.
  • Track your success with real-time reporting that makes it easy to plan your next move.
About Constant Contact
Our affordable Email Marketing solution practically pays for itself with free coaching plus online and local education from small business experts. Maybe that's why Constant Contact is trusted more than 500,000 customers worldwide.
*Discounts will be applied at the time of purchase. Contact Contact will not allow this much of a discount to display on their public website.
Grainger Discount Program Facility, Maintenance, and Operations Product
Discounts ranging up to 30% off catalog pricing on select products with FREE standard shipping* Grainger offers more than 900,000 products that help keep businesses running smoothly, including lighting, motors, cleaning supplies, material handling, hand & power tools, security & safety, pumps, electrical, and now a complete line of fasteners and fleet/vehicle maintenance products.
  • Minimum 5% Discount on all Grainger catalog items
  • Substantial savings for all members, no matter what your business size or segment
  • Hundreds of items with additional discounts including seasonal items and commonly purchased office and break room supplies
  • Free standard shipping on stocked, catalog items*
* Free standard ground freight; other charges apply for other freight services such as expedited delivery, sourced products, export orders, shipments outside the contiguous U.S., or other special handling by the carrier.
Benefits of Grainger
  • 99% of all orders received by 4pm deliver the following day
  • 24/7 Emergency Service
  • One stop sourcing program for all your MRO Parts and Supplies
  • 420 local branches
  • Dedicated team of Local Brand Managers and Specialists for all your questions and requirements
Grainger also offers additional resources such as energy-savings and sustainability programs, inventory management, a comprehensive safety program and a website that helps make one-stop shopping and ordering fast and easy.
Do you purchase specific items in bulk or high quality? Do you have a most frequently purchased item list?
Get the most out of your Grainger account by consolidating your needs and purchases through Grainger. Provide us with a list of your most common purchases and we'll work with you to further customize our pricing.
Magazine Discounts
You can save up to 85% off regular subscription rates on popular titles through these magazine subscription discount services. In additional to these great discounts, some services offer rebates of up to 35% off the purchase price.
Magazine Discounts are offered by the following companies:
  • At Magazineline you'll find over 500 popular magazines - old favorites such as Newsweek, TV Guide, BusinessWeek, Cosmopolitan and the Wall Street Journal; plus newer, edgier titles like Maxim, Vibe, Marie Claire, Fast Company, Wired, and The Source.
  • Magazines.com, Inc Offers the very best in selection, price, and service by holding direct publisher authorizations for every magazine title we offer.
Moving Services
The Association has a special agreement with Cord North American, an agent for North American Van Lines, that applies to relocation services for all Association members. This agreement provides a substantial discount for our members. Cord North American was selected to provide this relocation service to members because of their ability to offer reduced costs while still providing the highest level of service and customer satisfaction.
Through North American Van Lines, the association has access to the certified Home-To-Home Handling program and a single contact source. This means that throughout your moving process, you will have just one contact person. The Home-To-Home Process includes professional packing, loading, and transportation by North American's top drivers, as well as unloading, and unpacking. Each relocation can be itemized to help with your needs, wants and/or budget. Cord North American is proud to present relocation discounts, features and benefits designed for association members.
Other services that are available: Office Moving, Record Retention, Logistics, Warehousing, Distribution, and International Services. Estimates/Quotes are free of charge.
TravelerBonus.com
TravelerBonus is a travel club tailored for our members to offer both the regular savings you would find using familiar online search engines but with added bonus of a rebate once you've finished your vacation.
Terms and Conditions for Med-Sense Guaranteed Association Membership
  1. This program of services is provided through membership in Med-Sense Guaranteed Association (MSGA). Service providers associated with this program are solely responsible for the professional advice and service rendered to members, and MSGA, disclaims liability with respect to such matters.
  2. At any time, a participating professional may be eliminated from the program. Providers are subject to change without notice and programs may vary in some states. The discounts are NOT insurance and may be discontinued or modified at any time.
  3. Most of the companies providing the services and discounts in this program are not licensed insurers, health maintenance organization, or other underwriters of health care services. (The exceptions are the insurance carriers that provide the Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.) No portion of any provider's fees will be reimbursed or otherwise paid.
  4. The discounts contained herein may not be used in conjunction with any other discount plan or program. All listed or quoted prices or discounts are current at time of printing this material, and are subject to change without notice.
  5. Savings are based on the provider's usual and customary fees. Actual savings will vary depending on location and specific services or products purchased.
  6. Discounts on professional services are not available where prohibited by law. This program does not warrant professional services, nor is it responsible for the quality of service received. This program makes no warranties, express or implied concerning services provided.
  7. The member shall receive a full refund of membership fees, if membership is canceled within the first 10 days. The program is not available in all states.
  8. Membership fees are to be paid when due. If the fees are not received, the member has 31 days from the date due to pay their membership fees; or the membership and any benefits provided will terminate.
  9. This plan is not an insurance policy and is not protected by any state Life and Health Guaranty Association.
  10. The member is responsible and agrees to pay any taxes that may be required by law as a result of membership.
  11. The laws of the State of Missouri shall govern the interpretation, construction and enforcement of this entire plan.
  12. Any dispute arising from, out of, or relating to this plan, including but not limited to those disputes regarding or relating to the plan or, Med-Sense Guaranteed Association, shall be resolved by binding, non-appealable arbitration. These provisions shall survive termination of this plan and the member's membership in the plan.
  13. Any cause of action the member may have with respect to the plan must be commenced within one (1) year after the claim or cause of action arises.
  14. Complaint Procedure: Any complaint regarding the plan or membership should be directed to Member Services at the toll-free number on the ID card or in writing to the address set forth herein.
  15. From time to time, certain providers may offer products or services to the general public at prices lower than the discounted prices available through this plan. Discounts on professional services are not available where prohibited by law. Providers are subject to change without notice and services may vary in some states. It is the member's responsibility to verify that the provider is a participant in the plan. No guarantee can be given in regard to the continued participation of any provider. Providers are solely responsible for the professional advices and service rendered to members and liability with respect to such matters is disclaimed.
  16. Each member and on behalf of all covered family dependents who are in the plan hereby forever releases, acquits and discharges the plan, Med-Sense Guaranteed Association, and its employees, officers, directors, agents and affiliates from any and all liabilities, claims demands, actions and causes of action that such member or covered family member may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any service under the plan. The sole course available to a member or the member's covered family dependents is cancellation of the membership.
  17. The member agrees to defend, indemnify, and hold harmless the plan and from any and all liabilities, cost, and expenses, including without limitation attorneys' fees and costs, related to or arising from any unauthorized use of member's plan; any violation of the plan by the member or those who access member's plan; or the use of the plan by the member or by those who access member's plan in a manner contrary to any law or regulation or harmful in any way to the plan or any of its affiliates.
  18. The plan may only be used in the United States of America.
  19. Med-Sense Guaranteed Association has the right to refuse membership to any person for any just or legal cause.
  20. The member consents to receive electronically all notices, communications and other documents of any kind from Med-Sense Guaranteed Association. You have the right to withdraw consent to such electronic transmittals; however, such withdrawal does not retroactively withdraw consent to actions occurring prior to such withdrawal.
Med-Sense Guaranteed Association
2221 South Webster Ave., Suite 109, Green Bay, WI 34301
1-920-347-4400
Disclosures: This website is a brief description of the Med-Sense Guaranteed Association discount and lifestyle benefits. There are multiple memberships of the association and not all benefits and services are available to all membership levels. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med-Sense Guaranteed Association members upon enrollment.

These are not insurance benefits. These are association discount and lifestyle benefits and are not affiliated with any of the insurance companies or Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.
PHCS PPO

PHCS PPO Network Information:
Persons insured under this plan may choose to be treated within, or out of, the PHCS PPO Network. This membership entitles hospital facility providers who have contracted to provide specific medical care at negotiated prices.
www.phcs.com

About PHCS PPO Network:

PHCS (Private Healthcare Systems) was acquired by Multiplan in October 2006 and the PHCS PPO networks are now part of MultiPlan. Founded in 1980, MultiPlan is the nation's oldest and largest supplier of independent, network-based cost management solutions. MultiPlan has almost 900,000 healthcare providers under contract, an estimated 57 million consumers accessing the network products, and 110 million claims processed through the networks each year, giving them more of the experience and resources healthcare payers and providers need to face today's unprecedented cost and competitive pressures.
In addition to regional PPO networks in Wisconsin and the southwest, MultiPlan is also the only company that can offer access to the leading independent national primary PPO, as well as their complementary network, and negotiation and medical reimbursement services through a single electronic claim submission.
MultiPlan has the know-how and creativity to offer more choices and more value for today's healthcare payers and providers.
Legal Disclaimer: These are not insurance benefits. These are association and lifestyle discount services and are not affiliated with Starr Indemnity & Liability Company or the Collegiate Sports Med Short Term Medical Plan.
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by calling toll free at 1-877-755-4835.
For Web Site, plan availability or benefit questions please call 1-877-376-5831.
Rx-Card & Vision

Med Plus STM includes the following non-insurance discounts and benefits at no additional cost!
Please click here to access information on available drugs and pharmacies
MedCare USA Prescription Discount Card: *
With the rising cost of medication, the MedCare USA prescription discount card program can help you save on your prescription drug medications. The MedCare USA® card prescription discount card is NOT insurance, which makes it easy to use! You will pay 100% of the discounted price at participating pharmacies. Because it is a discount program, there are:
• NO claim forms • NO reimbursement procedures
• NO pre-existing condition exclusions • NO waiting periods
• NO deductibles • NO benefit maximums
• Save an average of 15% off retail price on many brand name prescription drugs
• Save an average of 54% off retail price on many generic prescription drugs
This card is accepted at over 53,000 pharmacies throughout the United States, including most national chains and independent pharmacies. Simply present your membership card to a participating pharmacy and you'll qualify for savings when you pay at the time of service.
Outlook Vision Discounts
  • OUTLOOK Vision offers significant savings for the entire family on eyeglasses,contact lenses,LASIK surgery and eye exams at select location where approved..
  • OUTLOOK Vision providers are conveniently located throughout all 50 states. Most leading retail optical centers are included in the OUTLOOK Vision network and offer discounts from 10% to 50%.
  • Discounts are given at the point of purchase, no limits, no restrictions and no paper work.
  • Your approved membership I. D. card with the OUTLOOK Vision logo is all you need to start saving on all your eyewear needs.
  • Complete Satisfaction on all eyewear purchases!
outlook vision logo
Visit www.outlookvision.com for full details.
Important Disclaimer: These are not insurance benefits. These are discount services and are not affiliated with Starr Indemnity & Liability Company or the Collegiate Sports Med Short Term Medical Plan.
MedCare USA Disclaimer: Cardholder discounts received will vary based on the medication, pharmacy and from state to state. By presenting this card at a pharmacy with a prescription, the cardholder is representing they are authorized to use it, and that the number, and type, of prescriptions purchased may be collected, but not be associated with the cardholder individually. No personal health information will be sold to anyone. This discount card is not insurance. A cardholder pays 100% of the discounted price at participation pharmacies. MedImpact does not warrant or assure all information displayed on this web site is accurate. The information is provided as a reference only and is subject to change. For more information, please refer to your prescription discount card materials or contact MedImpact customer service: 1-800-819-5479.
Note to Utah Residents: This discount card program is not protected by the Utah Life and Health Guaranty Association.
Limitations & Exclusions

Pre-Existing Conditions Limitation:
We will not provide benefits for any loss caused by or resulting from, a Pre-Existing Condition.
"Pre-Existing Conditions" mean any medical condition or Sickness for which medical advice, care,
diagnosis, treatment, consultation, or medication was recommended by or received from a Doctor within the 5 years immediately prior to a Covered Person's Effective Date of Coverage.
"Consultation" means evaluation, diagnosis or medical advice was given with or without the necessity of a personal examination or visit.
We will not pay for loss or expense caused by or resulting from any of the following:
  1. Expenses for the treatment of Preexisting Conditions, as defined in the Preexisting Conditions Limitation provision.
  2. Expenses incurred prior to the Effective Date of a Covered Person's coverage or incurred after the Expiration Date, regardless of when the condition originated. except in accordance with the Extension of Benefits provision.
  3. Expenses to treat complications resulting from treatment of conditions which are not covered under the Policy. This does not include Emergency Services as defined.
  4. Experimental or Investigative services or treatment. "Experimental or Investigative" means services, supplies, devices, treatments, procedures, or drugs that have not been recognized as generally accepted medical treatments. Our determination of what constitutes Experimental or Investigative treatment will be based on, but not limited to, the approval of treatments from the American Medical Association, the U.S. Food and Drug Administration, and the Administrative Procedure Act. Experimental or Investigative includes treatments that have not been demonstrated through sufficient peer-reviewed medical literature to be safe and effective for the proposed use.
  5. Expenses for purposes determined by Us to be educational.
  6. Amounts in excess of the Usual, Reasonable and Customary charges made for covered services or supplies.
  7. Expenses You (or Your Covered Dependent) are not required to pay, or which would not have been billed, if no insurance existed.
  8. Charges that are eligible for payment by Medicare or any other government program except Medicaid.
  9. Costs for care in government institutions unless You (or Your Covered Dependent) are obligated to pay for such care.
  10. Expenses for the treatment of an occupational Injury or Sickness which are paid under any Workers' Compensation Act only to the extent such services or supplies are the liability of the employee, employer, or workers' compensation insurance carrier according to a final adjudication under any Workers' Compensation.
  11. Medical expenses which are payable under any automobile insurance policy without regard to fault (does not apply in any state where prohibited).
  12. Charges incurred by a Covered Person while on active duty in the armed forces. Upon written notice to Us of entry into such active duty, the unused premium will be returned to You on a pro rated basis.
  13. Expenses resulting from a declared or undeclared war, or from voluntary participation in a riot or insurrection.
  14. Expenses incurred while engaging in an illegal act or occupation or during the commission, or the attempted commission, of a felony or assault.
  15. Expenses for the treatment of normal pregnancy or childbirth, except for Complications of Pregnancy.
  16. Charges for a Covered Dependent who is a newborn child not yet discharged from the Hospital, unless the charges are Medically Necessary to treat premature birth, congenital Injury or Sickness, or Sickness or Injury sustained during or after birth.
  17. Charges for voluntary termination of normal pregnancy, normal childbirth or elective cesarean section.
  18. The cost of any drug, including birth control pills, supply, treatment or procedure that prevents conception or childbirth.
  19. Expenses for the diagnosis and treatment of infertility, including but not limited to any attempt to, induce fertilization by any method, in vitro fertilization, artificial insemination or similar procedures, whether the Covered Person is a donor, recipient or surrogate.
  20. Expenses for sterilization or reversal of sterilization.
  21. Services, supplies or treatment related to sex transformation or sex dysfunction or inadequacies.
  22. Costs for physical exams or other services not needed for medical treatment, except as specifically covered.
  23. Expenses for prophylactic treatment, including surgery or diagnostic testing, except as specifically covered.
  24. Expenses for the treatment of Mental Illness or Nervous Disorders, including, but not limited to, neurosis, psychoneurosis, psychopathy, psychosis, attention deficit disorder, autism, hyperactivity, or mental or emotional disease or disorder of any kind, unless specifically covered.
  25. The costs of treatment of alcoholism or alcohol abuse, chemical dependency, substance abuse or drug addiction, unless specifically covered.
  26. Expenses incurred in the treatment of Injury or Sickness sustained by voluntary use of alcohol, illegal drugs or hallucinogenics.
  27. The cost of programs, treatment, or procedures for tobacco use cessation.
  28. Expenses resulting from suicide or attempted suicide or intentionally self-inflicted Injury, whether while sane or insane.
  29. The cost of dental treatment or care or orthodontia or other treatment involving the teeth or supporting structures, except as specifically covered.
  30. Expenses incurred in the treatment by any method for jaw joint problems including temporomandibular joint dysfunction (TMJ), TMJ pain syndromes, craniomandibular disorders, myofacial pain dysfunction or other conditions of the joint linking the jaw bone and skull and the complex of muscles, nerves and other tissues related to the joint, except as specifically covered.
  31. Expenses of radial keratotomy or correction of refractive error, eye refractions, vision therapy, routine vision exams to assess the initial need for, or changes to prescription eyeglasses or contact lenses, the purchase, fitting or adjustment of eyeglasses or contact lenses, or treatment of cataracts.
  32. The costs for routine hearing exams to assess the need for or change to hearing aids, or the purchase, fittings or adjustments of hearing aids.
  33. The costs of cosmetic or reconstructive procedures, services or supplies, except as specifically covered.
  34. Charges for breast reduction or augmentation or complications arising from these procedures.
  35. Outpatient Prescription or Legend Drugs, medications, vitamins and mineral or food supplements, including pre-natal vitamins, or any over-the-counter medicines, whether or not ordered by a Doctor.
  36. The cost of any drug or other item used to treat hair loss.
  37. Expenses incurred in the treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia, bunions, spurs, or the removal of corns, calluses or toenails, unless specifically for the treatment of a metabolic or peripheral vascular disease or for the prompt repair of an Injury sustained while coverage is in force for the Covered Person.
  38. Expenses incurred in the treatment of acne or varicose veins.
  39. The costs of weight loss programs, diets, or treatment of obesity.
  40. Transportation charges, except as specifically covered.
  41. Expenses for rest or recuperation cures or care in an extended care facility, convalescent nursing home, a facility providing rehabilitative treatment, Skilled Nursing Facility, or home for the aged, whether or not part of a Hospital, unless specifically covered.
  42. Costs of services or supplies for personal comfort or convenience, including homemaker services or supportive services focusing on activities of daily life that do not require the skills of qualified technical or professional personnel, including but not limited to bathing, dressing, feeding, routine skin care, bladder care and administration of oral medications or eye drops, except as specifically covered.
  43. Costs of services or supplies furnished or provided by a member of Your Immediate Family.
  44. Expenses for diagnosis or treatment of a sleeping disorder.
  45. Expenses incurred in the treatment of Injury or Sickness resulting from participation in skydiving, scuba diving, hang or ultra light gliding, riding an all-terrain vehicle such as a dirt bike, snowmobile or go-cart, racing with a motorcycle, boat or any form of aircraft, any participation in sports for pay or profit, or participation in rodeo contests.
  46. Expenses for the purchase of a noninvasive osteogenesis stimulator (bone stimulator).
  47. The costs of services or supplies of a common household use, such as exercise cycles, air or water purifiers, air conditioners, allergenic mattresses, and blood pressure kits.
  48. Expenses for surgery during the first 6 months after the Effective Date of Coverage for a Covered Person for a total or partial hysterectomy, unless it is Medically Necessary due to a diagnosis or carcinoma (subject to all other coverage provisions, including but not limited to, the Pre-Existing Conditions exclusion); tonsillectomy, adenoidectomy, repair of deviated nasal septum or any type of surgery involving the sinus, myringotomy, tympanotomy, herniorraphy, or cholecystectomies.
  49. Medical care, treatment, services, or supplies received outside of the United States or its possessions.
Underwritten by:
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.
Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy form number AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern.
Collegiate Sports Med STM is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
This is Short Term Medical (STM) Insurance and terminates at the end of the coverage period selected. STM insurance is not designed as a substitute for permanent basic health insurance or major medical insurance.
*Not available in all states
If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com
CSM01-05102009
Definitions

Ambulatory Surgical Center means a licensed health care facility whose main purpose is the diagnosis or treatment of patients by surgery it must: (1) admit and discharge the patient within the same working day; (2) be supervised by a Doctor; (3) require a licensed anesthesiologist or licensed Certified Registered Nurse Anesthetist to administer anesthesia and remain during the surgery;
(4) provide a post-anesthesia recovery room; and (5) have a written agreement with at least one Hospital for immediate acceptance of patients who develop complications.
Ambulatory surgical center does not include: (1) a facility whose main purpose is performing terminations of pregnancy; (2) an office maintained by a Doctor for the practice of medicine; or (3) an office maintained for the practice of dentistry.
Chemical Dependency is the pathological use or abuse of alcohol and/or other drugs in a manner or to a degree that produces an impairment in personal, social or occupational functioning and which may, but need not, include a pattern of tolerance and withdrawal.
Clinical Trials means Phase II, Phase III, and Phase IV patient research studies designated to evaluate new treatments, including prescription drugs, and that: (1) involve the treatment of life-threatening medical conditions; (2) are medically indicated and preferable for that patient compared to available non-investigational treatment alternatives; and (3) have clinical and preclinical data that shows the trial will likely be more effective for that patient than available non-investigational alternatives. Covered clinical trials must also meet the following requirements:
  1. Must involve determinations by treating physicians, relevant scientific data, and opinions of experts in relevant medical specialties;
  2. Must be trials approved by centers or cooperative groups that are funded by the National Institutes of Health, the Food and Drug Administration, the Centers for Disease Control, the Agency for Health Care Research and Quality, the Department of Defense, or the Department of Veterans Affairs. The health benefit plan may also cover clinical trials sponsored by other entities; and
  3. Must be conducted in a setting and by personnel that maintain a high level of expertise because of their training, experience, and volume of patients.
Coinsurance Percentage is the applicable percentage specified in the Schedule that We will use in computing the amount payable for a benefit.
Complications of Pregnancy means: 1) Conditions (when pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by or caused by pregnancy, such as acute nephritis, nephrosis, cardiac decompensation, missed abortion hyperemesis gravidarum, preeclampsia, and similar medical and surgical conditions of comparable severity; and (2) non-elective Cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy which occurs during a period of gestation in which a viable birth is not possible.
"Complications of Pregnancy" do not include false labor, occasional spotting, Doctor-prescribed rest during the period of pregnancy, morning Sickness, elective Cesarean section, and similar conditions associated with the management of a difficult pregnancy but not constituting a nosologically distinct complication of pregnancy.
Confined/Confinement means the time in which a Covered Person is a Registered Bed Patient in a Hospital on the order of a Doctor, for Medically Necessary medical treatment.
Covered Dependent means Eligible Dependents who have become Covered Person(s) under this Certificate.
Covered Expenses means: (1) Costs of treatments, services and supplies which a Doctor recommends as Medically Necessary to treat a Sickness or Injury and which in the geographical area where rendered are the Usual, Reasonable and Customary services, supplies and treatment provided for the condition being treated; (2) charges which are Usual, Reasonable and Customary and which the person incurs while he is covered; (3) charges which You or Your Covered Dependent are legally required to pay; and (4) any other charges which are identified as Covered Expenses under the Schedule of Benefits.
Coverage Period means the maximum length of time coverage is in force under this Certificate. The Coverage Period is shown in the Schedule.
Covered Person(s) means You [and Your Covered Dependents]. See the provision entitled Eligibility.
Deductible means the amount of Covered Expenses that each Covered Person must pay before benefits will be payable. The Deductible is shown in the Schedule.
Doctor means a licensed practitioner of the healing arts who is practicing and treating within the scope and limitations of that license, including a Doctor's assistant and a licensed marriage and family therapist. "Doctor" does not include You, a Covered Dependent, Immediate Family, or a Covered Person's employer.
Effective Date means the date coverage under the Group Policy begins for a Covered Person. The Effective Date is shown in the Schedule.
Emergency Services means health care items and services furnished or required to screen for or treat an emergency medical condition until the condition is stabilized, including prehospital care and ancillary services routinely available to the emergency department.
Group Policy means the contract issued to the Group Policyholder providing the benefits described herein.
Home Health Agency means a public agency or private organization, or a sub-division of such an agency or organization, which:
  1. Is primarily engaged in providing skilled nursing services and other therapeutic services;
  2. Has policies established by a group of professional personnel (associated with the agency or organization), including one or more Doctors and one or more Nurses, to govern the services which it provides, and provides for supervision of such services by a Doctor or Nurse;
  3. Maintains clinical records on all patients;
  4. In the case of an agency or organization in any State, in which State or applicable local law provides for the licensing of agencies or organizations of this nature:
    1. Is licensed pursuant to such law; or
    2. Is approved by the agency of such State or locality responsible for licensing agencies or organizations of this nature, as meeting the standards established for such licensing; and
  5. Meets such other conditions of participation as are established under the Medicare program in the interest of the health and safety of individuals who are furnished services by such agency or organization.
Home Health Aide means a person who (1) provides care of a medical or therapeutic nature; and (2) reports to and is directly supervised by a Home Health Agency.
Home Health Care Plan means a plan of home-based care which meets these standards: (1) A Doctor has established and approved the plan in writing; and (2) the plan covers a condition which would otherwise require Confinement in a Hospital or convalescent nursing home.
Home Health Care Visit means any visit by a member of a home health care team. Each visit by a member of the home health care team other than a Home Health Aide counts as one home health care visit. One visit up to a maximum of four hours of service by a Home Health Aide counts as one home health care visit.
Hospital means an institution which is legally constituted and operated in accordance with the laws pertaining to Hospitals in the Jurisdiction where it is located, which meets all of the following requirements:
  1. It is engaged primarily in providing medical care and treatment to sick and injured persons on an inpatient basis at the patient's expense;
  2. It provides 24-hour-a-day nursing service by a Nurse;
  3. It is under the supervision of a staff of duly-licensed Doctors; and
  4. It provides organized facilities for diagnosis and for major operative surgery either on its premises or in facilities available on a prearranged basis.
"Hospital" does not mean primarily a clinic, nursing home, rest or convalescent home, extended care facility, Hospice or similar establishment nor other than incidentally, a place providing care for persons with Mental Illness or Nervous Disorders; the aged, or those suffering from alcoholism or drug addiction.
Confinement in a special unit of a Hospital used primarily as a nursing, rest, or convalescent home shall be deemed to be Confinement in an institution other than a Hospital. A State tax-supported institution will not be excluded, even though it may not have an operating room and related equipment for surgery.
Immediate Family means: (1) the parent, spouse, brother, sister or children of a Covered Person (2) a resident in a Covered Person's household; or (3) any person related to a Covered Person by blood, marriage or legal adoption.
Injury means bodily harm caused by an accident directly and independently of Sickness or bodily infirmity resulting in unforeseen trauma requiring immediate medical attention The Injury must occur after the Covered Person's Effective Date of coverage and while such person's coverage is in force. All injuries to the same Covered Person sustained in one accident, including all related conditions and recurring symptoms of the Injuries, shall be considered one injury.
Intensive Care Unit means a section, ward or wing within a Hospital which is separated from other Hospital facilities and: (1) is operated exclusively for the purpose of providing professional care and treatment for critically ill patients; (2) has special supplies and equipment necessary for such care and treatment which are available on a standby basis for immediate use; (3) provides room and board and constant observation by a Nurse or other specially-trained Hospital personnel; and (4) is not maintained for the purpose of providing normal postoperative recovery treatment or service.
Lifetime Maximum Amount is the total aggregate amount of benefits payable under this Certificate for all Covered Expenses which are incurred for Sickness or Injury by each Covered Person during such person's lifetime, except as otherwise provided. The Lifetime Maximum Benefit applies to all Covered Expenses, unless indicated otherwise for a specific benefit, and is shown in Your Schedule.
Medically Necessary means that the services or supplies are provided for the diagnosis or treatment or relief of a condition, illness, injury or disease; and except as allowed under the Coverage for Clinical Trials, not for experimental, investigation, or cosmetic purposes; are necessary for and appropriate to the diagnosis or treatment and within the accepted community standards of medical care and are not solely for the convenience of the insured, the insured's family or the provider.
Mental Illness or Nervous Disorder means a psychoneurosis, psychosis, eating or personality disorder or panic disorder as defined in the Diagnostic and Statistical Manual of Mental Disorders of the American Psychiatric Association, and determined by the manifestation of symptoms regardless of whether such Mental Illness or Nervous Disorder has a physical or organic basis or origin.
Nurse means a licensed registered graduate professional Nurse (R.N.) or a licensed practical Nurse (L.P.N.) who is under the direction of a Doctor. Nurse does not include the Immediate Family of a Covered Person.
Prescription or Legend Drugs means: (1) a Legend Drug; (2) injectable insulin prescribed by a Doctor; (3) a compounded drug of which at least one part is a Legend Drug; or (4) any other drug that, under state law, may only be dispensed upon the written prescription of a Doctor. "Prescription or Legend Drugs" do not include oral contraceptives for prevention of pregnancy.
Professional Review Organization means an organization we select to provide a program of medical review services under Doctors, Nurses and record technicians.
Registered Bed Patient means an individual who, while Confined to a Hospital or Skilled Nursing Facility, is assigned to a bed in any department of the Hospital, and for whom a charge for room and board is made by the Hospital.
Sickness means an Illness, disease, or infection which begins while coverage is in force under this Certificate for the Covered Person. All related conditions and recurring symptoms of sickness to the same person will be considered one sickness. Sickness includes Complications of Pregnancy. [With respect to Dependent Children who automatically become insured under the Group Policy at birth, the term "Sickness" shall also include medically diagnosed congenital defects and birth abnormalities.]
Skilled Nursing Facility means an institution, or a distinct part of an institution, which is licensed pursuant to state and local laws and is operated primarily for the purpose of providing skilled nursing care and treatment for persons convalescing from Injury or Sickness, and: (1) is approved by and is a participating Skilled Nursing Facility of Medicare; (2) has organized facilities for medical treatment and provides 24-hour a day nursing service under the full-time supervision of a licensed Doctor or Nurse; (3) maintains daily clinical records on each patient and has available the services of a licensed Doctor under an established agreement; (4) provides appropriate methods for dispensing and administering drugs and medicines; (5) has transfer arrangements with one or more Hospitals, a utilization review plan in effect and operational policies developed with the advice of, and reviewed by, a professional group including at least one licensed Doctor; and (6) is not, other than incidentally, a rest home for the aged, or a place for the treatment of mental disease, drug addiction or alcoholism.
Total Disability or Totally Disabled means that You are prevented from engaging in Your own occupation for wage or profit or any occupation to which You are suited by talent or education by reason of Injury or Sickness
Urgent Care Center means a medical facility separate from a hospital emergency department where ambulatory patients can be treated on a walk-in basis without an appointment and receive immediate, non-routine urgent care for an Injury or Sickness presented on an episodic basis.
Usual, Reasonable and Customary means:
  1. With respect to fees or charges, fees for medical services or supplies which are:
    1. Usually charged by the provider for the service or supply given; and
    2. The average charged for the service or supply in the locality in which the service or supply is received, whichever is less; or
  2. With respect to treatment or medical services, treatment which is reasonable in relationship to the service or supply given and the severity of the condition.
We, Us, Our or Company means Starr Indemnity & Liability Company.
Underwritten by:
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.
Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy form number AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern.
Collegiate Sports Med STM is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
This is Short Term Medical (STM) Insurance and terminates at the end of the coverage period selected. STM insurance is not designed as a substitute for permanent basic health insurance or major medical insurance.
*Not available in all states
If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com
CSM01-05102009
Security & Privacy

At HIIquote.com we are strongly committed to protecting your privacy. This privacy policy details how we use and protect your information. For additional details on this site and the information we provide, please review our LEGAL NOTICE and TERMS OF USE.
When you become a HIIquote.com customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use.
Health Insurance Innovations (HII) and our partners will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:
  • We receive your prior written consent.
  • We believe the prospective recipient to be you or your authorized representative.
  • We are required by law to release information to the recipient.
Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. HII will not give or sell information about you to any other company, individual, or group without your prior authorization.
HII will only use information about you to help us better serve your insurance needs or to suggest HII services or insurance materials that may be of interest to you.
To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.
Occasionally, HII may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is HII's policy to keep this information confidential.
We will not share individual marketing data gathered from our web site with individuals or business entities not affiliated with HII.
We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE COLLECT
In the normal course of business we may collect the following types of Information:
  • Information you provide on applications and other forms (including name and address)
  • Data about your transactions with us (such as types of products you have purchased and your account status)
  • Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"
HOW WE USE YOUR INFORMATION
  • We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
  • We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
  • We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.
You may contact our Privacy Office at:
Health Insurance Innovations
218 East Bearss Ave., Ste. 325, Tampa, FL 33613
Toll Free:  1-877-376-5831
Toll Free Fax: 1-877-376-5832
Privacy Policy
At HIIquote.com, we are strongly committed to protecting your privacy. This privacy policy details how we use and protect your information. For additional details on this site and the information we provide, please review our LEGAL NOTICE and TERMS OF USE.
There are two types of information that we collect: non-personally-identifiable information that is collected in aggregate (website use information) and personal information that you choose to provide to us. 
Information We Collect
When you choose to get a quote for or request more information for health insurance, you may provide information about yourself, including your name, address, age, birthdate, gender, amount of coverage requested, phone number, email address, and other items. This information is shared with relevant third-parties necessary to fulfill your request. We may share this information with insurance agencies, insurance brokers, and insurance companies. We do not share this information with outside parties except to the extent necessary to complete your request such as submitting your application to insurer(s).
When you make an inquiry about an insurance quote and by entering your personal information and clicking on the "Submit" or "Get Quotes" button, you are authorizing the sharing of your inquiry and your personal information with other businesses who provide insurance products or services that match your inquiry. Insurance institutions and other services who subscribe to our system compete for the opportunity to provide insurance products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about financial products or services they offer that match your inquiry. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state).
However, you should be aware that we have no control over how other businesses with whom we share your information may use it or whether they will sell or share your information with third parties. Consequently, these businesses, such as the one from whose website you transferred here, may have direct access to your information.
Sharing Information with Third Parties
We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number and email for the purpose of providing you information regarding products and services that we think will be of interest to you.
In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. For example, some of our partners operate stores or provide services on our site, while others power offerings developed by us for your use. We also use third parties to facilitate our business, including, but not limited to, sending email and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities.
As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.
How We Use the Information
Our management team uses non-personally identifiable information to improve the user experience for all website visitors. We may analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to better serve our visitors.
If you choose to give us personally-identifiable information such as your zip code, email, contact information, etc we may share this information with third parties to help answer your questions or fulfill your request. We reserve the right to use such data provided to us for any legally permissible purpose.
If you choose to send us an email, we will do our best to respond to your request in a timely manner. We may forward your request on to third parties in situations where we cannot answer your question, and may also respond to your email with offers or correspondence which we believe may be relevant to you.
Legal Obligations
We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
Links to Third Parties
Our website contains links to other websites. Please note that when you click on a link to one of these sites, you are exiting our website to go to another. Health-Insurance-Carriers is not responsible for the content or privacy practices of these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from ours.
Your Consent
By using our website, you imply consent to the collection and use of this information by Health-Insurance-Carriers as described in this Privacy Policy. In the event that there is a change to our privacy policy, such updates will be immediately reflected on this page.
Contacting Us
This site is owned and operated by SF Insurance Properties. If you have any questions about this privacy policy or the practices of this site, please contact us. If you choose to send us an email, we will do our best to respond to your request. We encourage you to send us email but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via email.
California Residents Privacy Rights
Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: SF Insurance Properties, PO Box 77387, San Francisco, California 94107. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
Disclaimer: These are not insurance benefits. These are association discounts and lifestyle benefits and are not affiliated with Starr Indemnity & Liability Company or the Collegiate Sports Med Short Term Medical Plan.
Underwritten by:
Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.
Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy form number AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern.
Collegiate Sports Med STM is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.
This is Short Term Medical (STM) Insurance and terminates at the end of the coverage period selected. STM insurance is not designed as a substitute for permanent basic health insurance or major medical insurance.
*Not available in all states
If you have any questions about the content at this website please contact us at 1-877-376-5831 or email newsales@hiiquote.com
CSM01-05102009