Individual and family major medical
When you don't have access to major medical coverage through an employer, you can apply for coverage privately on an
individual or family basis. Our individual health plans offer a full range of traditional medical and high-deductible
health plans with qualifying health savings accounts.
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Small group major medical
No two businesses are alike, which is why The IHC Group provides small employer group insurance that offers flexible
benefit combinations or high-deductible plan affordability. Employers can offer a variety of plans for its employee force
or choose less expensive options to ensure that all employees maintain catastrophic coverage.
Employer stop-loss
Protect your self-funded group health plan from catastrophic claims. Employer stop-loss limits your liability and
reduces your financial risk. Starting at 25 lives and ranging up to the largest groups, we bring cost-effective,
innovative risk solutions to the market.
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Dental and Vision
Individual and group dental plans are a low cost option for someone looking to supplement their major medical coverage
or offer employees a value-added benefit. Plans provided by The IHC Group offer the DenteMax and OrthoCare orthodontist
networks for dental, and an extensive network for vision benefits, including Sam's Club.
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Short term medical
Short term medical (STM) plans offer a quick, temporary solution when a life transition leaves you uninsured. Plans are
available online and are active within 24-hours of applying. STM coverage can last for as few as 30 days or as many as six months.
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Critical illness
It’s cash when you need it. Critical Illness Health Insurance from The IHC Group pays you a lump sum cash benefit
when a covered medical condition is diagnosed. You choose how to spend the money, whether for lost income, mortgage or child care payments.
Fixed indemnity
For those who struggle to afford health insurance or qualify for insurance, fixed indemnity is an excellent option.
Fixed indemnity is guaranteed issue health insurance, which means no medical exams or health history questions at enrollment,
and affordable plans that keep premiums low.
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Hospital and surgical indemnity
For individuals and families looking for extra protection, hospital and surgical indemnity can cover the unexpected.
Choose from a variety of plans with varying level of benefits for inpatient and outpatient surgeries, hospital confinement, chemotherapy and more.
Medicare supplement
You want to protect what you have worked hard to build over your lifetime. That is why many covered by Medicare choose
to purchase the additional security a Medicare Supplement insurance policy can provide.
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Rx pay card
Accepted at over 48,000 pharmacies throughout the United States, the Rx pay card network includes pharmacy
chains as well as thousands of independent pharmacies throughout the country.
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Overseas travel medical
Today, more and more people are traveling outside of their home country, either for business, recreation or personal
reasons. Frequently, most traditional health insurance does not provide coverage for expenses for an emergency medical
evacuation, medical reunion, return of mortal remains, trip interruption or loss of checked luggage.
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Limited benefit medical
Limited benefit medical plans can help fill the gap for those without major medical coverage. Our guaranteed issue
limited benefit medical plans pay stated benefit amounts, for physician office visits, preventative care, diagnostic work,
emergency room visits and more.
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Group life and disability
Whether an employer is looking for a basic level of coverage, special contract language for union-negotiated
benefits or an enhanced package geared at attracting and retaining employees, IHC has products to meet various
group life and disability needs.
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Government and federal
Are you a member of the military or a federal employee? We can help you better understand and maximize your current
government benefits.
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Health savings account
Freedom HSA allows you to accumulate funds that can be used
to pay medical expenses tax free — and it grows with interest in a tax-deferred account. In partnership with UMB bank, a
health savings account can be added to any high-deductible health plan that IHC offers.
Pet insurance
Pet insurance is quickly becoming one of the most popular coverages for individuals and families that want to protect their household
pet with accident and illness insurance, without worrying about veterinary networks.
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