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.

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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.

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Serious medical conditions can cause serious stress, and hospital insurance is designed to help with the bills so families can focus on what matters most. Hospital insurance 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 hospital insurance 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.

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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.

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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.

Pet Partners

Pet insurance is quickly becoming an integral part of pet healthcare. By reimbursing for costly veterinary bills, pet owners can focus more on the health of their pet and less on how they're going to pay for it.

PetPartners offers a variety of customizable plan options that allow pet owners to create a plan that fits their individual needs and budget. Coverage options include accident and illness coverage, accident only, coverage for inherited conditions, exam fee coverage and wellness and routine care. PetPartners supplies insurance to dogs and cats of all ages and breeds in all 50 states.

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Telemedicine

Sick with the flu or an ear infection? Skip the waiting room with Telemedicine! For just a few dollars, the Telemedicine package makes it possible to receive healthcare for minor medical conditions anytime, anywhere. Telemedicine provides access to telehealth services 24 hours a day, 365 days a year. The package also includes patient advocacy as well as free hearing consultations and hearing aid discounts.

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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 to 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.

Clear Vision

Hospital, surgical and critical illness fixed insurance benefits designed to be paired with short term medical coverage. Going without major medical insurance can mean paying 100 percent out-of-pocket for unexpected healthcare. Medical bundle allows your clients to combine a fixed-benefit indemnity plan with a short term medical insurance plan. The result? Coverage for a range of medical procedures.

Combining $0 deductible hospital benefits with large-claim coverage, our medical bundle helps pay for medical expenses that range from relatively minor to catastrophic. No matter how you use them, they offer a seamless and easy enrollment, customer service and claims processing experience.

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Clear Vision

Vision plans are another appreciated addition to a job-based benefits package. From routine vision exams to corrective lenses, they can help individuals and families save money. An affordable vision insurance plan for employer groups of all sizes, Clear Vision minimizes out-of-pocket expenses at the point of service and includes the Davis Vision network with providers at more than 51,000 points of access.

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Pet Partners

Pet insurance is one of the newest and most in-demand employee benefits in today's market. With more and more pet owners considering their pets as family, they want to care for them like family. The PetPartners Employer Benefits Program allows employers to offer pet insurance as a voluntary benefit at a discounted rate.

PetPartners offers flexible options that can work for large and small companies alike. There are no minimum participation requirements, no enrollment fee, options for direct pay or payroll deduction, employees can self-enroll or enroll during open enrollment. Contact our Channel Development Manager for more information.

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