IHC Group

Independence Holding Company

Employer stop-loss

Employers with 10-49 employees who self-insure their employee health benefits can manage their plan liability by purchasing Stop-loss insurance coverage. We offer coverage to protect against catastrophic claims incurred by one or more plan members or higher than anticipated group claim utilization. There are a wide variety of features available to further meet the individual needs of each client.

Dental and vision

Individual and group dental plans are a low-cost option for those looking to supplement their major medical coverage or offer employees a value-added benefit. Plans provided by The IHC Group allow you to choose your own providers or to choose from an extensive PPO network with more than 130,000 providers nationwide.
Dental and vision for individuals can be purchased separately or as a bundled plan.
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Short term medical

Short term medical (STM) plans offer a temporary solution when a life transition leaves you uninsured. Plans are available online and are active within 24 hours of applying. Short term medical coverage usually lasts for as few as 30 days and up to 364 days in some states.
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Supplemental insurance

Health insurance deductibles and out-of-pocket costs can take a toll on your savings should an unexpected medical event occur to you or someone in your family. Metal Gap plans are bundled insurance benefits that can cover the cost of your deductible should an accident, critical illness or hospital confinement take place, reducing the burden and stress from your wallet.
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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.
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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.
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Rx Pay Card

Accepted at over 55,000 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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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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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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Occupational Accident and Employer Liability

Designed for the Texas non-subscription insurance market, this group accident insurance offers private employers a competitive and flexible option to statutory Texas Workers’ Compensation Insurance by covering work related injuries and occupational diseases. Benefits provided include medical, short term disability and accidental death and dismemberment. Employer’s liability is also available that covers defense attorney’s fees and all or a substantial portion of any negligence award granted for covered incidents.
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Injury on Duty (IOD)

In Massachusetts, the municipality, not Workers’ Compensation bears the financial responsibility for an injury sustained by a public safety officer. This special risk accident insurance policy provides highly customizable medical indemnity, life and disability income benefits to help municipalities manage this looming and omnipresent risk associated with preserving public safety.
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Telemedicine

Quality, convenient and cost-effective healthcare at your fingertips. Telemedicine connects you to a licensed physician by phone within minutes and costs a fraction of an office visit. Vision discounts from Davis Vision are also included with this plan.
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