The IHC Group owns 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 insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.
Available Markets: Group
Available States: All States
Fusion / Fusion STM
Product Type: Fixed Indemnity
Market: Group
Issue Type: Simplified Issue
Description: Metal Gap 2 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.
Metal Gap 2
Product Type: Fixed Indemnity
Market: Group
Issue Type: Simplified Issue
Description: Hospital, surgical, and critical illness fixed insurance benefits designed to be paired with short-term health insurance
Product Type: Short-Term Medical
Market: Group
Issue Type: Simplified Issue
Description: 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.
Product Type: Fixed Indemnity
Market: Group
Issue Type: Simplified Issue
Description: Bridge the gap of your 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.
Metal Gap 1
Secure Lite
Product Type: Short-Term Medical
Market: Group
Issue Type: Simplified Issue
Description: 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.
Secure Edge
Product Type: Short-Term Medical
Market: Group
Issue Type: Simplified Issue
Description: 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.
Product Type: Short-Term Medical
Market: Group
Issue Type: Simplified Issue
Description: 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.
Secure Bridge
Secure Net
Products*
Availability
Short-Term Medical
Dental and Vision
Medicare Supplement
Critical Illness
Hospital & Surgical Indemnity
Accident
All States
* Product availability may vary by state.
