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 PPO plans and high-deductible health insurance plans with qualifying health savings accounts.
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.
Protect your self-funded group health plan from catastrophic claims. IHC is one of the nation’s largest providers of insurance products that allow self-insured employers to manage the risk of excessive health insurance exposures by limiting aggregate and specific losses to a predetermined amount.
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.
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 usually lasts for as few as 30 days or as many as six months.
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.
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.
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.
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.
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.
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.
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. Learn More »
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.
Are you a member of the military or a federal employee? We can help you better understand and maximize your current government benefits.
Learn More »
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, a health savings
account can be added to any high-deductible health plan that IHC offers.