Independence American Insurance Company Short Term Coverage Reviews

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The IHC Group

The IHC Groupingoffers Short Term Medical (STM) plans in around 35 states. The available plans and length of the bachelor coverage term varies by land. Below you volition find the states where IHC Group plans are available and the policy term duration's for their plans in each state.

The IHC Group STM programme provide an excellent base of protection. Yet, Short term medical (STM) plans exercise not cover all the services/treatments mandated under Obamacare (east.g. motherhood, preventive care, outpatient mental health services and prescription drugs) and they do non cover whatever pre-existing weather condition.

Therefore, t o raise your overall coverage, IHC Grouping offers several supplemental benefits (see further downwardly this page). You tin can also add whatever or all the following supplemental benefits available on our US Supplemental Coverage page to make your overall plan every bit comprehensive as yous want:

Accident Protection Plans
Critical Illness Plans
Cancer Treatment Plans
First 24-hour interval Hospital/ICU Stay Protection
100% Preventive Care (Per ACA/Obamacare guidelines)
Prescription Drug coverage

Well-nigh The IHC Group

Independence Holding Visitor (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty do good products, including disability, supplemental health, pet, and grouping life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as "The IHC Group"). The IHC Grouping includes three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Visitor, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a engineering science-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, telephone call centers, advisors, individual label arrangements, independent agents.

The IHC Group Coverage

The IHC Group offers a diverseness of different STM plans. Each plan offers a range of deductibles and coinsurance choices. Here is additional information virtually their plans:

NOTE: The IHC Group has suspended sales of their Connect Value plans equally a event of the current COVID-xix situation.

Connect STM - This traditional STM plan offers a $two Million coverage term maximum with more standard STM plan coverage and fewer limitations than the Connect Value plans (above).

For more than details see the: Connect STM Brochure

Connect Plus - This plan offers the same benefits as the Connect STM plans (higher up) and includes up to $25,000 of coverage per term for pre-existing conditions.

For more than details meet the: Connect Plus Brochure

All plans offer the following:

$50 Function Visit Copay in network (one to iii visits per term depending on the length of the coverage term)
Mammography, Pap and PSA Tests covered with no deductible and subject to coinsurance only (on recommended testing guidelines)
Freedom to see any provider anytime
Additional discounts past using the PHCS Limited Do good Plan PPO Network

STM Extend plans- In the states listed below, the Connect STM, Connect Plus, Connect STM OV/Rx and Connect Plus OV/Rx plans can exist extended for up to an additional 24 months up to a maximum of 36 months full per term.

***Of import NOTE : STM Extend plans are NOT a 2x12 or 3x12 blazon of programme. That means there is NO modify in policy number every 12 months AND NO modify in monthly premium for upwardly to the full 36 months!

Connect STM OV and STM Rx, Connect Plus OV and Plus Rx -

NEW! Updated Short-Term Medical Plans - Starting September 1, 2020 IHC Group is offer ne west Connect Brusque-Term Medical plans. You tin select from four unique plans: Connect STM OV, Connect STM Rx, Connect Plus OV and Connect Plus Rx.

All plans offer the following:

For more details see the:

Connect OV and RX STM Brochure

Connect Plus OV and Plus Rx Brochure

Both PPO Network and NO Network (Reference Based Pricing) Payment Options

Reference Based Pricing Model:

In all states except those listed beneath under "PPO Network Plans," the IHC Grouping plans use what is called a "Reference Based Pricing" payment model to pay providers . There is NO network with these plans . Consumers tin run across Whatsoever doctor or hospital facility. Billing is repriced using a fee schedule that pays providers a multiple of what Medicare pays for their services.

If a provider wishes to review and discuss the allowed corporeality or initially objects to the reimbursement amount and bills the patient for an amount above the amount that the IHC Group programme pays (known equally "residual billing"), then the IHC Group'southward plan administrator will work with that provider to come up to an acceptable reimbursement to the provider.

PPO Network Plans:

In u.s.a. listed below, the IHC Group plans utilize the specified PPO Networks.

MI , UT , WI - Use the PHCS Value Network, wrapped past full Multiplan network. To wait up providers in the Multiplan network, click here:

Multiplan PPO Network Provider Search

LA, NH, PA , SD - Utilise the Outset Health PPO network. To await up providers in the Showtime Health network, click hither:

Showtime Health PPO Network Provider Search

The IHC Grouping Plan Availability by State

The bachelor states for each of the IHC Group plans is as follows:

Connect Value - AL, AR,AZ, FL,GA, IA,IL, IN, KS, KY, LA, MD, ME,MI,MO,MS, MT, NC, NE,NV, OH, OK , OR , PA , SC , SD, TN , TX , UT , WI, WV, WY

Note: The IHC Group has suspended sales of their Connect Value plans every bit a result of the electric current COVID-19 situation.

Connect STM - AR, ID, KS, MD, ME, MN, MS , NC, OH, OR,PA,SC, TN, WI

Connect Plus - AR, KS, Dr., ME, MS , MT, NC, OH, OR,PA,SC, TN

Connect STM OV and STM Rx, Connect Plus OV and Plus Rx - AL, AZ , FL , GA , IA , IL , IN, KY, LA, MI , MO , MT, NE , NV , OK , SD, TX , UT , VA , WV, and WY .

STM Extend plans - AL, AR , AZ , FL,GA, IN, KY, LA, MS , NC , NE , OK, SC , TN , TX , UT , VA , WV, and WY

The IHC Grouping Supplemental Benefits

The IHC Group offers a diversity of different supplemental programme options that you lot tin can include with your STM plan. Program availability varies by state. For all supplemental plans y ou can view plan details, see availability for your state, run quotes and apply for these plans at the"Quote and Apply" link below.

Accident and Critical Illness Insurance

Bridge :

Bridge, underwritten by Madison National Life Insurance Visitor, Inc., is an Accident and Disquisitional Illness product from IHC Specialty Benefits. If you have an accident or are diagnosed with a disquisitional disease, the last thing you desire them to worry nigh is money. You accept health coverage for your medical bills merely other costs can pile upwardly. That's where Bridge can help.

There are four different Span planswith a range of benefit amounts. Benefit amounts vary by plan. Benefit ranges are as follows:

Bridge Program Benefits and Quotes

Program Proper noun	Critical Disease Benefit	Accident Medical Expense Benefit (per injury)	Blow Daily Hospital Confinement Do good (30 days per confinement)	Blow Disability Income Monthly Do good (up to 12 months)	Monthly Premium - Individual	Monthly Premium - Family
Bridge I	$2,500	$2,500	$150	$1,000	$34.95	$52.95
Span Two	$v,000	$5,000	$150	$i,000	$45.95	$76.95
Bridge Three	$7,500	$vii,500	$150	$1,000	$56.95	$99.95
Span Four	$6,000	$half-dozen,000	$150	$ane,000	$65.95	$120.95

The Bridge plan is available in these states:

Span Plans Brochure - The brochure for this plan is non available currently. Please ask for a re-create.

Metal Gap 2:

Metal Gap 2 insurance provides benefits for covered accidents upwardly to the selected maximum amount, or the actual expense you incur, whichever is less. Disquisitional disease benefits provide a lump-sum payment that is sent directly to you and tin be used for annihilation you choose.

Metal Gap two is available to the chief applicant up to age 64, his or her spouse age 18 to 64 and dependent children under the age of 26. Child-only plans are not available. All benefits finish when the covered person has attained historic period 70.

Metal Gap ii offers four different plans with a range of benefit amounts. All Metal Gap two plans are guaranteed issue with no health qualifications required.

Metallic Gap 2 Program Options

Blow Plan Benefit	Accidental Expiry & Dismemberment B enefit	Critical Illness Benefit
$2,500	$2,500	$2,500
$5,000	$5,000	$5,000
$vii,500	$7,500	$7,500
$10,000	$10,000	$10,000

The Metal Gap 2 program is available in all states except: CA , CO, MA, NH, NJ, NY and VA

For more details run across the: Metal Gap 2 Brochure

Independence Critical Affliction Plans:

Independence Disquisitional Illness Insurance provides lump-sum payments when a covered critical illness is diagnosed, giving your clients cash to use however they see fit- for medical bills, mortgages, daily living expenses and more.

Coverage is bachelor to the primary applicant historic period xviii through 64, their spouse ages 18 to 64, and dependent children under the age of 26. Coverage is guaranteed renewable until age 75.

Key features of Independence Disquisitional Disease Insurance includes:

Pays up to$100k lump-sum benefitper category on a first occurrence of a qualified critical disease
Coverage is bachelor for the unabridged family
One family rate for whatever number of dependent children
Accept/reject underwriting based on application questions
Covered benefits are paidin addition to benefits received from any other plan
You receivemultiple benefit payouts if diagnosed with more than i covered critical disease

Independence Critical Disease plans are available in these states: AL, AR, AZ , FL , GA , IL , IN, LA, MO , NE , WV, WY

For more details meet the: Independence Critical Illness Brochure

Supplemental Hospital Insurance:

The IHC Group'southward Independence Hospital Insurance and Independence Hospital Insurance Plus plans tin assistance fill gaps in your health insurance coverage by providing cash benefits for unexpected or higher price services. These plans pays benefits regardless of other coverage you may have, and benefits may be paid directly to y'all, unless you assign them to a doc, hospital or other wellness care provider.

Independence Hospital Insurance Plans:

There are three plan options from which to cull. Plan features include:

An ideal supplement to ACA or Short-Term Medical plans
Protection against loftier deductibles
Offers options for outpatient services, inpatient hospital, wellness and preventive care
No network requirements or limitations
Yr-round enrollments
No deductibles to meet

The benefits on each program are every bit follows:

Plan Name	Lump Sum Hospital Benefit (per hospital stay)	Outpatient Surgery Facility Do good (One/yr)	Daily Infirmary Confinement Benefit (31 days/twelvemonth)	Outpatient Diagnostic Services/ Avant-garde Imaging Benefits (1 per year)	Almanac Calendar Year Maximum Do good
Hospital 30	$three,000	$3,000	$100	$200/$500	$10,000
Hospital 45	$four,500	$4,500	$100	$200/$500	$15,000
Hospital 60	$6,000	$vi,000	$100	$200/$500	$15,000

The Independence Infirmary program is available in these states: AL, AR, AZ , DC, DE, FL , GA , IA , IL , IN, KY, LA, ME , MI , MN, MS , MT, NC , ND , NE , NV , OK , SC , SD , TN , TX , UT , WI, WV, WY

For more details come across the: Independence Hospital Insurance Brochure

NEW:Vision Insurance:

Independence American Insurance Visitor (IAIC) now offers ii great vision and hearing plans that tin be sold alongside any of the other supplemental health insurance options.

Why choose Contained American Vision Insurance?

No waiting flow
No underwriting
Bachelor for those upwardly to historic period 99
Admission to the Avesis vision network and Amplifon hearing discounts

Choose betwixt ii options:

Vision insurance with hearing discounts
Vision and Hearing insurance combined

For more details see the: IAIC Vision Brochure

The IHC Group Short Term Medical Quote and Apply Online

The easiest fashion to quote and apply is through the IHC Group'southward secure online awarding link as follows:

Click Here to Quote and Utilise

Run across if one of our alternative wellness programme solutions is right for yous

If yous would like to discuss your health insurance options to see if i of these IHC Group STM plans (combined with a Fixed Benefit program and/or our other US Supplemental Plans ) are right for you, delight go to the link in a higher place with the prototype that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.