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IHC Temporary Health Insurance Plan Overview

IHC Health Insurance has become one of many companies to surface over the last few years. IHC does not partake in any ACA qualified plans and focuses on consumer driven health products, such as Temporary Health Insurance. Many states allow clients to purchase back-to-back temporary policies. Many consumers have chosen this option as their preferred option for coverage. This is mostly due to the affordability of these policies and the flexibility of use.

This site works with a multitude of temporary and short term medical providers. We recommend filling out a quote form so shoppers can see the best selling plans in their area.

Temporary Health Insurance Options

IHC currently has two options for short term medical coverage. First we will discuss the Connect 2.0 plan which is the more affordable of the two options. The goal is to obtain affordable coverage and not worry about gaps in coverage while you’re between health care plans. Here are the most common reasons to buy a temporary policy.

Missed open enrollment: If you have missed the opportunity to Connect coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event. No need to worry, we got you covered!

Waiting for an ACA plan to start: Many plans on the Health Insurance Marketplace are extremely expensive and offer only one effective
date, the first of the month. Depending on when you submit your application, and how long it takes you to prove qualifying for a SEP, Special Enrollment Period, you may have to wait up to 45 days for your coverage to begin. Often that is a best case scenario and sometimes it can take up to several months, or many consumers report having to wait until the next January 1st for coverage to begin.

Newly Hired: Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin. No need to worry, we got you covered!

Filling the Gap: Coverage can begin as early as the day following your online application, if approved, and last up to 90 days. AND many states offer instant re-apply to obtain longer lengths of coverage.

Unique Plan Benefits

$50 Office Visit Copay: The copay applies to the first covered office visit during the policy period. After the copay, the balance of the
doctor office visit charge 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.

Deductible Options, You Decide: $1,000 | $1,800 | $2,500 | $5,000 | $10,000

The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three individual deductible amounts per a policy term.

Coinsurance Percentages: a variety of coinsurance percentages including 20%, 30%, and 50% – You decide.

Out-of-Pocket Limits: $1,000 – $10,000 – You decide

Maximum Benefit per Term: $2,000,000

Check the rates on Short Term Health Insurance.

 

Covered expenses: includes treatments, services and supplies for:

  • Physician services for treatment and diagnosis
  • X-ray exams, laboratory tests and analysis
  • Mammography, Pap smear and prostate antigen test
  • Emergency room, outpatient hospital surgery or ambulatory surgical center
  • Surgeon services in the hospital or ambulatory surgical center
  • Services when a doctor administers anesthetics up to 20 percent of the primary
    surgeon’s covered charges
  • Assistant surgeon services up to 20 percent of the primary surgeon’s covered charges
  • Surgeon’s assistant services up to 15 percent of the primary surgeon’s covered charges
  • Ground ambulance services up to $500 per occurrence
  • Air ambulance services up to $1,000 per occurrence
  • Organ, tissue, or bone marrow transplants up to $150,000 per coverage period
  • Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 per coverage period
  • Blood or blood plasma and their administration, if not replaced
  • Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and
    chemotherapy services and equipment rental

Inpatient covered expenses:

  • Hospital room and board, doctor visits and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount
  • Intensive care or specialized care unit up to three times the amount billed for a semiprivate room or three times 90 percent the private room billed amount
  • Prescription drugs administered while hospital confined

Pre-existing Condition: Connect 2.0 will not provide benefits for any loss caused by or resulting from a pre-existing
condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of
coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. (Notice Plan Option 2, Connect Plus (see below) does have a higher level of coverage for pre-existing).
Usual and reasonable charge: The usual and reasonable charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to the treatment of medical services, usual and reasonable means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as usual and reasonable,
we may use and subscribe to a industry reference source that collects data and makes it available to its member companies.

Continuing Coverage: If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. It is best to fill out a quote and shop all available options and speak with an agent to get the best plan for you.

Connect Plus – Temporary Health Insurance with a limited benefit for pre-existing conditions. Providing peace of mind during times of transition.

Connect Plus is a short-term medical (STM) insurance plan with a limited benefit for pre-existing conditions. STM, sometimes called short-term medical limited duration insurance, is designed to provide coverage during transitions or gaps in major medical coverage. Most STM plans do not cover healthcare expenses for pre-existing medical conditions. Connect Plus provides a benefit up to a maximum of $25,000 for eligible pre-existing healthcare expenses. This policy is a step above the standard Connect 2.0 policy explained above.

Why Short Term Health Insurance?
Short Term Health Insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, these temporary health plans pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs. Learn more about Short Term Health Insurance.

An IHC Health Insurance Plan may be right for you if you:

  • Have missed the open enrollment period and aren’t eligible for special enrollment under the Affordable Care Act (ACA)
  • Are waiting for your ACA coverage to start
  • Are waiting for health insurance benefits to begin at a new job
  • Are looking for coverage to bridge you to Medicare
  • Are turning 26 and coming off your parent’s insurance
  • Are losing coverage following a divorce
  • Are needing an alternative to COBRA
  • Are healthy and under age 65

Customize Your Plan: Select from various benefit levels which best meet your coverage and premium needs. You can also include other supplemental coverage such as dental or a discount prescription drug program to obtain additional coverage.

Quick and Convenient: Coverage can begin as early as the day following your online application. The underwriting process is simple and policy fulfillment, including claims and ID cards, are available online.

Cost Effective: Temporary health insurance plans are affordable. While short term medical does contain limitations when compared
to traditional major medical plans, the premium is generally lower.

You may want to keep the following in mind as you plan for your needs and
explore your options:

  • IHC plans do not meet the Minimum Essential Coverage requirements under the ACA and may result in a tax penalty. Temporary plans are designed to provide temporary healthcare insurance during unexpected coverage gaps.
  • The ACA-compliant medical plans are guaranteed issue, meaning you cannot be denied coverage based on your health history. These plans are underwritten, which means you must answer a series of medical questions when applying for
    coverage. Based on your answers, you may be declined for coverage.
  • Unlike the ACA plans, which are required to cover the 10 Essential Health Benefits (EHB), These IHC plans cover some EHBs but not necessarily all. Plans will vary in what they cover, so you should check your plan details carefully.

IHC Plans are not Affordable Care Act (Obamacare) Plans
IHC plans 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 IHC plans.

Pre-existing Condition – How it works

Unlike most temporary health plans, Connect Plus provides a benefit for eligible preexisting conditions. The plan provides up to a maximum of $25,000 for eligible medical expenses for a pre-existing condition, per person, per policy. After the $25,000 maximum has been reached, expenses due to pre-existing conditions are not covered. The definition of a preexisting condition is listed below:

Pre-existing Condition:
A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. This period of time may vary by state.

Utilize a network provider and save
With your plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card which will include
the network information needed for the provider to correctly process covered billed charges.

Continuation of Coverage: If your need for temporary health insurance continues, most states allow you to
apply for another IHC plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. Note that based on your state, you may be limited to two or three consecutive terms only.

Is Temporary Health Insurance the Right Choice for Me?

It is recommended to get a short term medical insurance quote on this site, so you can see a multitude of options. Then it is advised to speak with one of our licensed agents so you may ask questions and review products. Products vary greatly from state to state and an agent can help explain what is unique about your state. Since the start of the ACA, temporary health insurance plans have become more and more popular.

Aetna Dental Insurance with Added Vision and Hearing

Aetna Dental, Vision, and Hearing offers valuable protection by including three types of coverage in one policy. Aetna is trying to help your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better.

Plan Features

  • Guaranteed Acceptance – No Health Questions
  • Guaranteed Renewable – as long as you pay your premiums on time
  • Issue ages 0-89
  • For individuals or families
  • Choose $1,000 or $1,500 max benefit per policy year that covers dental, vision, and hearing per person
  • Plan deductible is $100 per policy year per a person
  • Freedom to choose any provider or get even better pricing by using Aetna in-network providers
  • Benefits paid directly to insured or to the provider
  • 30-day free look – return your policy for any reason within 30 days for a full refund of all premiums paid

When does my Aetna Coverage Begin?

  • Dental Coverage
    • Day 1 for cleanings, x-rays, exams, filings
    • After 1 year for endodontics, root canals, periodontal surgery, bridges, crowns, and dentures
  • Vision Coverage
    • After 6 months
  • Hearing Coverage
    • After 12 months

 

See a Comparable Plans through Central United Life or Mutual of Omaha.

Golden Rule Health Insurance Plans

Golden Rule Insurance CompanyGolden Rule is owned by United Healthcare, one of the largest health insurers in the U.S. Over 26 million Americans are insured by United Healthcare and over 770,000 providers belong to their PPO network. Golden Rule Insurance Company has provided individual and family health insurance for over 60 years. Today Golden Rule markets its individual insurance products under the brand names United Healthcare or UnitedHealthOne. These plans are very popular for people who do NOT want Obamacare.

Golden Rule Insurance

Golden Rule Insurance offered private health insurance. The portfolio includes:

    • The new Health ProtectorGuard – A permanent plan option for Doctor and Hospital Coverage
    • Short Term Medical – Fill the Gaps between open enrollment
    • Dental and Vision Insurance – The policy you’ll love, affordable and excellent coverage
    • Critical illness – Cancer, Heart Attack, Stroke – Money when you need it most
    • Disability Income – Protect you Income!
    • Accident Coverage – A must for families, 1st dollar coverage
    • Fixed-indemnity – Extra Hospital Coverage to protect against ACA / Obamacare pitfalls

    Golden Rule Health Insurance Quotes

    Obtain your quote on Golden Rule Insurance Products

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    A History of Golden Rule Insurance

    Golden Rule Insurance’s claim to fame was the Choice Plus PPO Network and the Copay Select Plan with decreasing deductible. Sadly, these products are no longer allowed to be offered under the Affordable Care Act, but hundreds of thousands of Americans still have grandfathered policies. If you are one of these lucky Americans then you have saved tens of thousands of dollars, by not having to buy Obamacare coverage.

    Golden Rule InsuranceThe HSA (health savings account) was originally developed through Golden Rule Insurance Company. The HSA has long been popular for the self-employed such as accountants, realtors, and financial professionals. Many health insurance agents still have grandfathered Golden Rule HSA for their own personal coverage.

    Why Choose Golden Rule Insurance?

  • Golden Rule has multiple individual and family health insurance products to help provide a variety of options for coverage.
  • Some of the strongest health care networks in the U.S.
  • Simple online tools to quickly and easily manage your policy, view claims, and print temporary ID cards.
  • Golden Rule Insurance Company is rated “A” (Excellent) by A.M. Best (8/3/2017) for financial strength and stability.
  • Golden Rule Insurance offers a diverse portfolio of affordable plans that are consumer driven.
  • One stop shopping for health insurance products.

Texas Obamacare Review

This is a letter from one of our health insurance clients, we though we would share this information

Obamacare is something that seems like a great idea, although the results have not been the best. I have a fairly unique perspective on the Affordable Care Act, based on the fact that I have experienced this from a variety of angles. I was originally on my parents health insurance plan, as you can remain on this type of plan well into adulthood. This plan was fairly expensive, but the overall quality of health insurance was absolutely top notch. I found myself in my twenties and having very little income, while having to rely on food stamps. I applied for MarketPlace Health Insurance, which is the platform to get health insurance in the state of Texas.

Based on the income that I was making at the time, I was only qualified for Medicaid, which is a program for health insurance that is at the bottom end. There were not really any options to select, but it all was essentially free. I ended up making a doctor appointment and when I got to the medical office it appeared more like a homeless shelter than a medical facility. The wait time to see a doctor was incredibly long, the service was terrible and the overall quality of health insurance was dismal. The only benefit I perceived in this Medicaid system was potentially being able to receive coverage in a hospital if I was in some sort of emergency. This system did not appear to work at all, based solely on the fact that the volume of people crowding into these medical offices were huge.

Since that time my income has increased to the point that I am qualified to purchase a plan through the state network. I got referred to www.QuoteFinder.Org from my friend and I purchased an Obamacare plan that I had the last few years and could not be happier with my plan. My insurance was very affordable each month, based on the fact that there is a subsidy that is attributed to my plan each month. This lowers the actual cost, allowing me to pay my bills, yet at the same time have access to a top notch medical network. My plan was originally around thirty dollars per month. The overall quality of my insurance has not changed since I’ve been on the plan. The main concern that I have had with the Affordable Care Act is the fact that you need to be able to make a certain amount of money in order to receive a legit plan. The reality is, if you are making under twelve thousand dollars, you are inevitably going to have a plan that is low quality. If you make over that amount, you have access to a plan that is going to provide a great level of protection for yourself and your family.

Now, here is my problem for 2018. I got a raise and my plan has gone up to $487 a month to have the same good level of coverage. So now in 2018 I am being punished for making too much money (it’s really not that much money at all). I called my agent and we reviewed some non-compliant policies. So now I pay $118.00 a month for short term health insurance and I don’t have Obamacare. That was the only way I could stay insured, have a low deductible and still get to see my doctor, which I hardly ever go anyways.

At this point, I guess I am happy with my medical insurance, although my country and government does not understand as American’s we all need to have access to the same level of coverage. It is unacceptable for people to solely base a plan availability on meeting a random set of income requirements.

If you are interested in Short Term Medical, learn more here.

NC PPO Health Insurance – United Healthcare Private Insurance

United Healthcare Offers PPO Health Insurance in NCIf you live in North Carolina you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for North Carolina, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

PPO Health Insurance for Pennsylvania by United Health Care

Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Pennsylvania, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Short Term Medical Insurance Quote

Short Term Medical is an easy way to obtain coverage from tomorrow until the end of 2018. The policies are sold month-to-month and are far more affordable than Obamacare or employer coverage. Get your Short Term Medical quotes here.

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Be sure to visit our Short Term Health Insurance page for more information.

Maryland Health Insurance in 2018 – United Healthcare PPO

If you live in Maryland you will be happy to know that New Plans are available for 2018. United Healthcare is now offering private fixed indemnity coverage: Health Protector Guard. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Maryland, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Medicare and Dental Insurance Plans for Seniors

Medicare and DentalOnce a year Medicare beneficiaries can enroll into or change their Medicare Advantage Plan. This year’s Annual Enrollment Period runs from October 15 to December 7. This is also the best time to also check on dental insurance.

Medicare will not cover most dental needs. For example Medicare does not cover dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.  The exception would be reconstruction of the jaw following accidental injury that severely damaged the individual.

Some Medicare Advantage plans do have a limited dental benefit, however this is not the comprehensive coverage a person is used to from when they may have had employer group benefits. What is more concerning is Medicare recipients are more in need of dental coverage than any other segment of the population. The average person over 65 years old or older spends $1,154.00 a year on dental care.

If you have Medicare Supplement insurance, then you also do not have dental coverage.

Many seniors are now purchasing an individual dental plan to get comprehensive coverage on services such as root canals, dentures, crowns, bridgework, and dental implants. Here are some standard listings of what most dental policies cover.

  • No waiting periods on most preventive and basic services
  • Fixed pricing, regardless of age
  • No deductible for preventative services
  • Coverage for major services, including crowns, bridges, root canals, dentures and implants
  • PPO dental plans with nationwide dental networks

Be sure to check on Senior Dental Insurance today.

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

Come October 2017 Mutual will be offering two competitively priced dental options. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

Learn more about Mutual Of Omaha.

Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.