Products

As the healthcare landscape changes, so do consumer needs. IHC Specialty Benefits continually develops new insurance products and services that not only meet the latest Affordable Care Act marketplace demands but also help producers conduct business with greater ease.

Our individual and group product lines include supplemental and ancillary insurance such as temporary medical, hospital indemnity, bundled gap coverage, dental, accident insurance, critical illness and pet insurance plans. Most of these products are marketed direct-to-consumer through IHC’s proprietary technology, which agents can utilize to create a custom sales experience. Our technology or yours, we integrate systems quickly and effectively to keep new business flowing.

Individual Products

Temporary, affordable health insurance for individuals and families between ACA plans, short term medical (STM) policies provide coverage up to 90 days. STM benefits cover unexpected medical care such as emergency room treatment, ambulance services, intensive or specialized care, surgical services and more.

Online quoting and enrollment, next-day effective dates, and choice of deductible options are available. STM is a quick, simple solution for anyone who needs to bridge a coverage gap due to an employer waiting period, job search, divorce and other special situations.

High-deductible health insurance plans help keep monthly premiums low, but often make consumers want to live in a bubble. IHC Specialty Benefits’ supplemental health insurance product, Metal Gap, helps relieve worries over unexpected medical bills. Metal Gap pays lump-sum benefits for accidents and illnesses.

When a covered incident occurs, a check is sent directly to the insured who chooses how to use it. The benefit can help pay their health insurance deductible, coinsurance, copay and even household expenses. Most IHC supplemental plans cost less than $/day. Plus, Metal Gap is guaranteed issue, which means anyone qualifies regardless of health history.

Serious medical conditions can cause serious stress, and critical illness insurance is designed to help with the bills so families can focus on what matters most. Critical illness plans pay a lump-sum cash benefit upon diagnosis of a covered medical condition. The insured chooses how to spend the money: out-of-pocket healthcare expenses, household bills, childcare, transportation, experimental treatment and more.

Our critical illness plan includes benefits for serious conditions such as cancer, heart attack, stroke, major organ failure, coronary bypass, angioplasty, coma, paralysis and severe burn. Benefits options range from $20,000 to $50,000 for primary insured and spouse, with a $10,000 option for children.

Oral health is a big part of overall health. That’s why dental insurance from IHC Specialty Benefits helps make routine dental care affordable. Our plans are designed with a focus on the preventive services and procedures important to maintaining wellness.

Individual dental plans from IHC are available to people of all ages and can be customized to client needs with network (PPO) and non-network (indemnity) options, dental and vision bundles, and benefits for a range of services from cleanings to oral surgery. State availability may vary.

Help your clients save money on prescription medications with pharmacy benefits made simple. The Rx Pay Card prescription drug program does not require a health questionnaire and may be used at over 55,000 participating pharmacies throughout the United States.

Coming Soon

Group Products

Paired with a group major medical insurance plan, Link helps employees reduce their out-of-pocket costs. A link to employer flexibility. Options include a range of coinsurance and maximum-benefit amounts. HSA-compatible plans are also available. A link to affordability and simplicity. Non-medical underwriting, no pre-existing condition limits, and low-cost premiums make Link a win-win for employers and employees.

When high deductibles and out-of-pocket expenses are a concern, employers can offer Evolution to help manage both. This group fixed indemnity plan pays lump-sum benefits in the event of unexpected medical care—hospital room and board, emergency room treatment, ambulance services and more. It’s a perk that can be offered on its own or paired with major medical or self-funded insurance plans. An HSA-compatible option is also available. Perq includes a critical care benefit and no deductible.

Essential to any group benefits package, dental insurance is designed to encourage employees and their families maintain healthy teeth and gums. Dental plans from IHC Specialty Benefits help make routine dental care more affordable and lessen the out-of-pocket impact from procedures such as fillings and root canals.

For employer groups of two or more, our dental insurance plans can be customized with a range of options: network (PPO) or non-network (indemnity), added vision benefits, waiting periods, employee choice for groups of five+ enrolled, and more.

For employers seeking an alternative to fully insured health plans, Simplified Funding Concepts (SFC) provides a self-funded health plan coordinated with stop-loss protection. SFC meets the Affordable Care Act’s individual mandate requirements and is governed by federal law under the Employee Retirement Income Security Act (ERISA). It’s easy to implement and can be customized to a group’s specific needs.

Available to groups of 10 to 50 employees, SFC comes in a variety of plan designs, including high-deductible HSA-qualified and Rx options. The program includes third-party plan administration and stop-loss insurance coverage through a highly rated carrier. A single monthly payment is applied to the claims account, plan administrative expenses and stop-loss insurance program.