Med Plus Exclusions and Security/Private policy

Heath Insurance Innovations / Med+PLUS STM  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. Knee Injury or Disorder: Expenses do not include charges incurred to diagnose or treat an Injury or disorder of the knee including surgery in excess of the Knee Injury or Disorder Maximum shown in the schedule.
  50. Gallbladder Surgery: Expenses do not include charges incurred in excess of the Gallbladder Surgery Maximum shown in the Schedule.
  51. Participating in Interscholastic or Intercollegiate Organized Competitive Sports.
  52. Medical care, treatment, services, or supplies received outside of the United States or its possessions.

Health Insurance Innovation | Security & Privacy

At 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 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 Innovators (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.

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.

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”


  • 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.

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.

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 Innovators, LLC
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, 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  916-445-1254or  800-952-5210; or by email to

Disclaimer: These are not insurance benefits. These are association discounts and lifestyle benefits and are not affiliated with Starr Indemnity & Liability Company or the Med Plus Short Term Medical Plan.

Underwritten by:

Starr Indemity & 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++.

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.
Med Plus 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.

If you have any questions about the content at this website please contact us at  1-877-376-5831 or email