IHC – Indiana Short Term Health Plans
IHC (Short for Independent 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. IHC offers 3 different short-term plan types, each good for different situations:
Connect Lite
Our Rating: ★☆☆☆☆
The least expensive and lowest level of coverage. These plans have caps on what they will pay for each individual service. Truly a catastrophic plan.
Best for: The most price sensitive, young people most unlikely to have to use it.
Connect STM
Our Rating: ★★★★☆
Middle-of-the-road coverage, with lots of flexibility in regards to deductibles and co-insurance. With less caps, higher co-insurance amounts and a $2 million max this will be the best option for most people.
Best for: Most healthy people (without pre-existing conditions), people between coverage or jobs
Connect Plus
Our Rating: ★★★★★ New!
Nearly identical to Connect plans, but with up to $25k in coverage for pre-existing conditions, this is the highest level of coverage you can get from a catastrophic plan, and to our knowledge the only short-term or catastrophic plan to do so.
Best For: Anyone with pre-existing conditions
| PLAN DESIGNS | CONNECT LITE | CONNECT STM | CONNECT PLUS | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| View Brochure | View Brochure | View Brochure | ||||||||||
| Apply Now | Apply Now | Apply Now | ||||||||||
| 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:
