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The Affordable Care Act (ACA) open enrollment for 2019 will likely be different for you than any of the previous year’s open enrollment period. With the return of longer duration short-term medical (STM) policies in many states, options for consumers and producers could be different than they were in 2018. We want to give you the tools to succeed this open enrollment. Keep reading to find out more.
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STM Duration Update
Effective now in states that allow, you will be able to quote and enroll longer duration STM policies. Click below to view individual state rules as they stand. Please keep in mind that these states may still be evaluating the new legislation. As we continue to get updates, we will provide them through the IHC producer portal. |
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COMING SOON! Supplemental Hospital Insurance
Supplemental Hospital Insurance is designed to supplement short-term medical (STM) insurance or Affordable Care Act (ACA) compliant major medical coverage. It pays fixed first-dollar benefits for a range of covered medical expenses which may result from an inpatient hospital stay. With two plans to choose from and an optional buy up package, Supplemental Hospital Insurance allows for flexibility with various benefit levels and monthly premiums to meet your client’s needs. Resources are below to view and download. |
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Brochure >> |
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REMINDER! 4th Quarter Bonus Promotion
Ready to eXceL in Q4? Sell The IHC Group's individual ancillary products and receive a bonus. No maximum. eXceL more, earn more. Click on the banner below for details. |
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Balance Available in California and Colorado
Balance, guaranteed issue accident medical expense and critical illness insurance, is now available to be sold as standalone coverage in California and Colorado. Balance, which is underwritten by Madison National Life Insurance Company, Inc. may also be purchased as a supplement to an IAIC STM policy in Colorado.
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Connect Value
Back by popular demand. There is now a 50% coinsurance option with a $10,000 out-of-pocket maximum. Connect Value launched in August 2018. View the brochure below. |
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Other Updates
We have suspended STM sales in Hawaii, Nevada, North Dakota and Washington D.C. |
For more information, please contact your IHC representative. |
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For producer use only. Not for public solicitation or distribution.
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products,including disability, supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”). The IHC Group includes three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits,Inc., a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers, advisors, private labelarrangements, independent agents, and through the following brands: www.HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com. |
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Copyright © 2018 The IHC Group
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