Plan Detail

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.

Underwritten by Madison National Life Insurance Company, Inc., a Wisconsin insurance company. Madison National Life Insurance Company, Inc. is a member of The IHC Group, an insurance organization composed of Independence Holding Company (NYSE:IHC) and its operating subsidiaries. The IHC Group has been providing life, health and stop-loss insurance solutions for over 30 years. For information on The IHC Group, visit www.ihcgroup.com.

Your major medical plan could leave you responsible for as much as $6,3501 in out-of-pocket expenses in the case of a serious accident or illness. Metal Gap offers options to complement your health plan in the event of a covered illness or accident.

Accident and critical illness benefits allow you to focus on your number one priority: getting better. Metal Gap provides benefits for covered accidents up to the selected maximum amount, minus the deductible, or the actual expense you incur, whichever is less. It provides a lump sum payment that is sent directly to you and can be used for anything you choose, including:

• Out-of-pocket expenses
• Prescriptions
• Experimental procedures
• Living expenses
• Lost wages

Life insurance can provide financial protection for your family, should the worst happen to you. But what if a serious accident or illness leaves you unable to work and unable to pay your medical bills?

Critical illnesses and serious accidents are frightening enough before they leave you with the financial fallout of reaching your deductible or the cost of medical treatments your major medical policy doesn’t cover.

1 Based on 2015 maximum out-of-pocket allowable on an ACA-compliant plan.

Communicating for America, Inc.

Communicating for America (CA) is a non-profit, non-partisan organization which advocates for the advancement of people in agriculture and small business, and promotes general health, welfare and education. Headquartered in Fergus Falls, Minn., thousands of members have benefited from CA’s advocacy and services since 1972.

*The association-based health and life insurance products listed in this brochure are available to members of Communicating for America. Your enrollment as a member of CA is completed upon receipt of the association dues.

The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE: IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.