IHC Group

Independence Holding Company

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.
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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.
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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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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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