Individual Products

Temporary, affordable health insurance for individuals and families between ACA plans, short term medical (STM) policies provide coverage up to 364 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.

Learn about Short-Term Health

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 2, helps relieve worries over unexpected medical bills. Metal Gap 2 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. Plus, Metal Gap 2 is guaranteed issue, which means anyone qualifies regardless of health history.

Learn about Supplemental Plans

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.

Learn about Hospital Insurance

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.

Learn about Dental Insurance

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.

Learn More about Pet Insurance

Health Discount Program

Now offering two affordable discount plans designed to save you money on your healthcare expenses. The Wellness Discount Plan and the Health and Wellness Discount Plan give you access to a variety of discount healthcare services - such as; telemedicine, RX, alternative health & wellness, counseling program and more

Learn More about Health Discount Program
David T. KettigPresident and Chief Executive Officer

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