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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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“Secure STM”, “Select STM” and “Secure Med STM”

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I am confused by the different product names for policies issues by HPA. What is the difference between “Secure STM”, “Select STM” and “Secure Med STM”?

A: Yes, the varying product names used by Health Plan Administrators (HPA) can be confusing but the overall effort is to make it easy to find the best short term health insurance plan in your specific situation by having the online quote system guide you automatically to the appropriate product based on your specific inquiry. HPA has decided to cease using the name "Secure Med STM" for the short term medical insurance plan underwritten by Standard Security Life Insurance Company of New York. For trademark purposes, we have changed the product name to "Secure STM". The remaining two names are similar policies offered by different insurers but you probably would not notice the difference since all of the policyholder services are handled directly by HPA.


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