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Looking for Short-Term Medical (STM) Insurance that provides more? Connect Plus, underwritten by Independence American Insurance Company (IAIC), a member of The IHC Group, offers your clients that qualify for coverage:
- Up to $25,000 in benefits for eligible pre-existing healthcare expenses for each covered person on the short-term medical plan
- $2M maximum policy benefit
- $50 office visit copay¹
- Coverage from 30 days to up to 364 days in some states
- Option to add hospital indemnity benefits for more financial protection all on one bill in one enrollment experience
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STM policies are not Affordable Care Act (ACA) plans
STM policies do not meet ACA standards. The ACA is a Federal law that requires all major medical plans to provide specific benefits and mandates that most Americans have health plans that qualify as Minimum Essential Coverage (MEC). These rules do not apply to STM policies. Short-term medical insurance is a limited duration medical expense policy and is non-renewable. The amount of benefits provided depends on the plan selected and the premium will vary with the amount of benefits selected. STM is not a replacement for the comprehensive health insurance required under the ACA. This coverage has a pre-existing condition limitation provision.
Short-term medical plans are not available in all states. Plan duration and state availability is determined by the state in which the applicant resides. Producers must be contracted with IHC Carrier Solutions (IHC CS) and have a valid insurance license prior to soliciting business with IAIC. If you’re not already contracted with IHC CS, get set up by visiting this website. |
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| For more information, please contact your IHC representative. |
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For producer use only. Not for public solicitation or distribution.
¹The office visit copay applies to the first covered office visit during the policy period. There is one copay for 30–90 days of coverage, two copays for 91-180 days of coverage and three copays for 180+ days of coverage. After the copay the balance of the doctor office visit charged is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests, will be subject to plan deductible and coinsurance.
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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