Medical Insurance and Life insurance

Critical Illness

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York.

Plan best suited - US citizens a permanent, legal resident of the United States.
Ages – 18 year to 64 years.
ID card - Apply online to print ID-card online.
Renew - Renew online, by phone, by email, by fax.
Covered Illness : Diagnoses must be made within the United States while the insured person’s insurance is in force and must be covered under the Policy
Coverage Ends: Date Premium is not paid when due or within 31 grace period, written request is received from the insured person, Insured person reaches max benefit, death of insured person, Insured person is no longer permanent or legal resident, insured or spouse attains age 75.

Benefits Description Exclusions

IHC Frame Dental

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Madison National Life Insurance Company in all states except Maine, New Hampshire and New York where it is underwritten by Standard Security Life Insurance Company of New York.

Plan best suited - US citizens a permanent, legal resident of the United States.
Ages – 18 year and above , their spouse and dependent children under the age of 26.
ID card - Apply online to print ID-card online.
Coverage Types - Preventive care , Diagnostic care, Basic care, and Major care.
Claims reimbursement is subject to the Reasonable and Customary Charge. Billed charges in excess of this amount are the insured person’s responsibility.
This plan is not available in the states of Colorado, Kentucky, Michigan, Minnesota, Missouri, New Jersey, Ohio and Rhode Island.

Benefits Description Exclusions

MetalGap

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Madison National Life Insurance Company

After the deductible (Plan A: $250 deductible and Plans B and C: $500 deductible), benefits are payable for medical expenses incurred as the result of a covered accident, up to the selected maximum amount, minus the deductible, or the actual expense you incur, whichever is less.
Critical Illness coverage only applies to the primary insured and their spouse, if also a covered person.
This is a membership benefit and not an insurance benefit.
Critical illnesses diagnosed in the first 30 days of coverage will have the lesser of a $500 benefit or 10 percent of the amount that it would have paid for the condition if first diagnosed more than 30 days after the insured person’s effective date. Refer to the Certificate of Insurance for complete definitions and diagnostic requirements of each covered critical illness. The amount payable will be reduced by 50 percent if the insured person is age 65 or older on the date a benefit becomes payable. Accident and Critical Illness coverage terminates at age 70. Hospital Confinement coverage terminates at age 65.

Benefits Pre-existing Coverage Description Exclusions

Telemedicine

TELADOC :Talk to a doctor anytime! Only $15 per consultation. Teladoc connects you 24/7/365 to a national network of board-certified doctors who average 15 years’ experience. Within minutes, a doctor will call you back ready to listen and resolve your issue. If medically necessary, a prescription will be sent to your pharmacy of choice. It’s healthcare in the palm of your hand.For more information, visit www.teledoc.com.

Benefits Description

Care Access Plan

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York.

Fixed-benefit indemnity plan for individuals and families.
Hospital, surgical, and critical illness benefits-no maximums
Optional preventive, diagnostic, and office visit benefits

Benefits Description Pre-existing Coverage Exclusions

Rx Pay Card

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York.

Network of 55,000+ pharmacies
Discounts on generic and brand name
Nationwide acceptance

Description FAQ

Plan Name		DetailsPlan Details
		Critical Illness Plan Administrator: Independence Holding Company IHC \| AM Best Rating: A-"Excellent" \| Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York. Plan best suited - US citizens a permanent, legal resident of the United States. Ages – 18 year to 64 years. ID card - Apply online to print ID-card online. Renew - Renew online, by phone, by email, by fax. Covered Illness : Diagnoses must be made within the United States while the insured person’s insurance is in force and must be covered under the Policy Coverage Ends: Date Premium is not paid when due or within 31 grace period, written request is received from the insured person, Insured person reaches max benefit, death of insured person, Insured person is no longer permanent or legal resident, insured or spouse attains age 75. Benefits Description Exclusions
		IHC Frame Dental Plan Administrator: Independence Holding Company IHC \| AM Best Rating: A-"Excellent" \| Underwriter: Madison National Life Insurance Company in all states except Maine, New Hampshire and New York where it is underwritten by Standard Security Life Insurance Company of New York. Plan best suited - US citizens a permanent, legal resident of the United States. Ages – 18 year and above , their spouse and dependent children under the age of 26. ID card - Apply online to print ID-card online. Coverage Types - Preventive care , Diagnostic care, Basic care, and Major care. Claims reimbursement is subject to the Reasonable and Customary Charge. Billed charges in excess of this amount are the insured person’s responsibility. This plan is not available in the states of Colorado, Kentucky, Michigan, Minnesota, Missouri, New Jersey, Ohio and Rhode Island. Benefits Description Exclusions
		MetalGap Plan Administrator: Independence Holding Company IHC \| AM Best Rating: A-"Excellent" \| Underwriter: Madison National Life Insurance Company After the deductible (Plan A: $250 deductible and Plans B and C: $500 deductible), benefits are payable for medical expenses incurred as the result of a covered accident, up to the selected maximum amount, minus the deductible, or the actual expense you incur, whichever is less. Critical Illness coverage only applies to the primary insured and their spouse, if also a covered person. This is a membership benefit and not an insurance benefit. Critical illnesses diagnosed in the first 30 days of coverage will have the lesser of a $500 benefit or 10 percent of the amount that it would have paid for the condition if first diagnosed more than 30 days after the insured person’s effective date. Refer to the Certificate of Insurance for complete definitions and diagnostic requirements of each covered critical illness. The amount payable will be reduced by 50 percent if the insured person is age 65 or older on the date a benefit becomes payable. Accident and Critical Illness coverage terminates at age 70. Hospital Confinement coverage terminates at age 65. Benefits Pre-existing Coverage Description Exclusions
		Telemedicine TELADOC :Talk to a doctor anytime! Only $15 per consultation. Teladoc connects you 24/7/365 to a national network of board-certified doctors who average 15 years’ experience. Within minutes, a doctor will call you back ready to listen and resolve your issue. If medically necessary, a prescription will be sent to your pharmacy of choice. It’s healthcare in the palm of your hand.For more information, visit www.teledoc.com. Benefits Description
		Care Access Plan Plan Administrator: Independence Holding Company IHC \| AM Best Rating: A-"Excellent" \| Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York. Fixed-benefit indemnity plan for individuals and families. Hospital, surgical, and critical illness benefits-no maximums Optional preventive, diagnostic, and office visit benefits Benefits Description Pre-existing Coverage Exclusions
		Rx Pay Card Plan Administrator: Independence Holding Company IHC \| AM Best Rating: A-"Excellent" \| Underwriter: Independence American Insurance Company, Madison National Life Insurance Company, and Standard Security Life Insurance Company of New York. Network of 55,000+ pharmacies Discounts on generic and brand name Nationwide acceptance Description FAQ