Major Medical and Short Term

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Quality Products from Caring Professionals
Available in IN, IL, MO, AR, AZ & NE!

June 1, 2010 Underwriting Updates

After reviewing recent new business trends while also considering the potential ramifications of the Patient Protection and Affordable Care Act, USL&H has decided to implement a few changes to our current Major Medical underwriting practices.

• For Major Medical applicants over the age of 59, USL&H now requires a physical exam within the past two years.  In fact, for faster Underwriting turnaround time, please include a copy of the applicant's most recent exam with the application. 
• Beginning June 1st, USL&H will no longer be accepting child-only applications on our Short Term and Major Medical plans.  The primary insured must be at least 19 years old to apply for coverage.
• Beginning June 1st, USL&H will no longer rider any conditions on dependents under the age of 19.  All dependents under the age of 19 will either be issued standard, rated-up, or declined.

We believe these changes will allow USL&H to remain a viable and competitive option for your clients in need of a quality health insurance plan. Our Underwriting Guidelines have been updated and are ready for download

United Security Underwriting Guidelines

We offer five health insurance plans:
(Not yet available in Missouri)

1. Unlimited Access Plan: Our most comprehensive health plan, Unlimited Access gives you the most benefits – and the most freedom – you can hope to find. Receive treatment at the doctors and hospitals of your choice as a member of our finest health plan.
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2. HealthSelect PPO Plan: It comes as no surprise that HealthSelect PPO Plan is our most popular product. It gives you everything you expect from a health plan. The in-network plan design gives you access to thousands of providers, while keeping the premium payments within the budget of most young adults and families.
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3. Protector Plus Flexible PPO Plan: Want a health insurance plan that can be custom built to fit your needs? Look no further than Protector Plus! The in-network plan design gives you access to thousands of providers, while keeping the premium payments affordable. Meanwhile, the array of options ensures you only pay for the benefits you need.
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4. Preferred Value High Deductible Plan: Don’t have a ton of cash to spend on monthly insurance payments? Apply for our Preferred Value Plan. Designed with the lowest possible premium payment in mind, our high-deductible plan gives you the most essential health care coverages, so that you’re left with a quality plan at a modest price.
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5. Healthy Savings HSA-Qualified Plan: Healthy Savings offers a range of deductible options, helping you keep your monthly premium payment in check. By opening an HSA (Health Savings Account), you can put away money tax-free to save up for future medical expenses.

For more information about these plans, contact your rep at

Stephens-Matthews Marketing, Inc.