Short Term Plans Offered

IHC (Short for Independence Holding Company) is primarily known for their short term insurance, but they do offer a suite of other coverage, including great accident and critical illness riders that can be added to any short term OR regular health plan. 

PLAN DESIGNS CONNECT LITE CONNECT STM CONNECT PLUS
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Office visit copay
(one per coverage period)
$50 $50 $50
Deductible $1,000
$2,500
$5,000
$7,500
$10,000
$1,000
$1,500
$2,500
$5,000
$7,500
$10,000
$2,500
$5,000
$7,500
$10,000
Coinsurance and out-of-pocket (not including deductible) 20%
$1,000
$2,000
$3,000
$4,000
50%
$2,500
$5,000
$7,500
$10,000
20%
$1,000
$2,000
$3,000
$4,000
30%
$1,500
$3,000
$4,500
$6,000
50%
$2,500
$5,000
$7,500
$10,000
20%
$1,000
$2,000
$3,000
$4,000
30%
$3,000
$4,500
$6,000
50%
$2,500
$5,000
$7,500
$10,000
Pre-existing
condition coverage period maximum
Not covered Not covered $25,000
After maximum is reached, expenses due to pre-existing conditions are not covered.
Maximum benefit $1,000,000 $2,000,000 $2,000,000
Covered Expenses Connect Lite Connect STM Connect Plus
Hospital room, board and general nursing care The amount billed for a semi-private room or 90% of the private room billed amount, not to exceed $5,000 per day. The amount billed for a semi-private room or 90% of the private room billed amount The amount billed for a semi-private room or 90% of the private room billed amount
Intensive care unit Three times the amount billed for a semi-private room or three times 90% of the private room billed amount, not to exceed $6,250 per day Three times the amount billed for a semi-private room or three times 90% of the private room billed
amount
Three times the amount billed for a semi-private room or three times 90% of the private room billed
amount
Surgeon
services
Not to exceed $2,500
per surgery
Deductible and coinsurance Deductible and coinsurance
Anesthesiologist Not to exceed 20% of the surgeon’s benefit Not to exceed 20% of the surgeon’s benefit Not to exceed 20% of the surgeon’s benefit
Assistant surgeon Not to exceed 20% of the surgeon’s benefit Not to exceed 20% of the surgeon’s benefit Not to exceed 20% of the surgeon’s benefit
Surgeon’s assistant Not to exceed 15% of the surgeon’s benefit Not to exceed 15% of the surgeon’s benefit Not to exceed 15% of the surgeon’s benefit
Inpatient doctor visits Not to exceed $500 per confinement Deductible and coinsurance Deductible and coinsurance
Outpatient hospital surgery or
ambulatory surgical center
Not to exceed $1,000 per day Deductible and coinsurance Deductible and coinsurance
Emergency room Not to exceed $500 per day Deductible and coinsurance Deductible and coinsurance
Ambulance, ground or air services Not to exceed $250 per occurrence Ground: Not to exceed $500 per occurrence
Air: Not to exceed $1,000 per occurrence
Ground: Not to exceed $500 per occurrence
Air: Not to exceed $1,000 per occurrence
Organ, tissue or
bone marrow transplants
Not to exceed $150,000 for all covered expenses Not to exceed $150,000 for all covered expenses Not to exceed $150,000 for all covered expenses
Acquired Immune Deficiency Syndrome (AIDS) Not to exceed $10,000 for all covered expenses Not to exceed $10,000 for all covered expenses Not to exceed $10,000 for all covered expenses

Other products offered by IHC: