Independent Holding Company (IHC)

For over 30 years, the member companies of The IHC Group have provided health, life, disability, dental, vision, short term medical and hospital indemnity insurance solutions to individuals and groups.

Plans Offered

Care Access Plan
Large medical bills, expected or not, can be stressful. Oftentimes, consumers must meet their health insurance deductible before plan benefits fully kick in. Hospital and surgical health insurance plans can help reduce out-of-pocket costs by paying fixed benefit amounts to help with covered medical expenses resulting from hospitalization, surgery and certain outpatient therapy services.
Metal Gap
Health insurance deductibles and out-of-pocket costs can take a toll on your savings should an unexpected medical event occur to you or someone in your family. Metal Gap plans are bundled insurance benefits that can cover the cost of your deductible should an accident, critical illness or hospital confinement take place, reducing the burden and stress from your wallet.
Critical Illness
It’s cash when you need it. Critical Illness Health Insurance from The IHC Group pays you a lump sum cash benefit when a covered medical condition is diagnosed. You choose how to spend the money, whether for lost income, mortgage or child care payments.
Metal Gap 2
Metal Gap 2 from The IHC Group provides payments, made directly to you, when a covered critical illness or accident occurs.

Because the payment is sent directly to you, it can be used to pay for your health plan’s deductible or other cost-sharing, or for everyday expenses such as rent, a mortgage, a car payment or credit card bills. And just like your Obamacare plan, Metal Gap 2 is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

Dental for Individuals and Families
Individual and group dental plans are a low-cost option for those looking to supplement their major medical coverage or offer employees a value-added benefit. Plans provided by The IHC Group allow you to choose your own providers or to choose from an extensive PPO network with more than 130,000 providers nationwide.
Dental and vision for individuals can be purchased separately or as a bundled plan.
Telemedicine
Quality, convenient and cost-effective healthcare at your fingertips. Telemedicine connects you to a licensed physician by phone within minutes and costs a fraction of an office visit. Vision discounts from Davis Vision are also included with this plan.
Rx Pay Card
Accepted at over 55,000 pharmacies throughout the United States, the Rx Pay Card network includes pharmacy chains as well as thousands of independent pharmacies throughout the country.
Temporary
Their most popular product, Short term medical (STM) plans offer a temporary solution when a life transition leaves you uninsured. Plans are available online and are active within 24 hours of applying. Short term medical coverage usually lasts for as few as 30 days and up to 90 days.