Description / Exclusions / Application

Is there a pre-existing condition limitation?
Secure STM will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, a diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding your Secure STM coverage effective date. It also includes symptoms which would have caused a reasonable person to seek diagnosis, care or treatment within five years immediately prior to the coverage effective date. The pre-existing condition limitation may vary by state.

What services are not covered?
Following is a partial list of services or charges not covered by Secure STM:**

• Any services that are not medically necessary, as defined in the policy
• Eye exams, eyeglasses, hearing aids
• Dental or orthodontic services
• Over-the-counter medications and prescription drugs
• Treatment of foot conditions
• Conditions resulting from an act of war
• Maternity and newborn treatment prior to discharge, any infertility treatments or sterilization treatments
• Spinal manipulation or adjustment
• Services performed by family members or for which a charge would otherwise not be incurred
• Medical care received outside of the United States, Canada or their possessions
• Services payable by Medicare orWorker’s Compensation coverage
• Cosmetic surgery, treatment for acne, hair loss or varicose veins
• Transplant services to the transplant donor
• Routine physical exams and tests, preventive care and immunizations
• Experimental or investigational services
• Learning disorders, attention deficit disorder, hyperactivity or autism
• Mental or nervous disorders, depression or suicide attempt
• Alcohol or drug dependency and disorders
• Obesity treatments
• Sleep disorders
• Participation in school or organized competitive sports or any high risk sport
• Certain surgeries during the first six months

**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.