Health Benefits Policies accessed through IHA Health
Major Medical

IHA offers four comprehensive major medical plans specifically designed for Independent Contractors across the country. IHA Health provides you with a competitive choice to Obamacare, with a strong PHCS/Multiplan National Provider Network. If you are in Independent Contractor in good health and want a health plan that has comprehensive coverage, great networks, and affordable premiums, IHA is the place for you. NO Exchanges... NO Government... NO Limited Networks.

Minimal Essential Coverage Plus

ACA approved coverage that combines a fully insured indemnity plan with a 100 percent preventive care plan. The indemnity plan is designed to help you deal with covered medical expenses that includes, but not limited to, physician visits, emergency room visits, hospitalization, lab, x-ray and Rx Benefits. There are no co-pays or deductibles. This coverage is very affordable and satisfies the Individual Mandate.

Dental and Vision

IHA Members are offered two affordable dental coverage options that provide a network of over 400,000 dentists nationwide. No Waiting Period for Basic Services. No waiting for Major Services with a prior dental plan from IHA. Preventive services are not deducted from the annual maximum.
Vision coverage includes annual eye exams, lenses and frames (or contacts) and an average saving of 20 - 30% on out-of-pocket eye care expenses.

Term Life Insurance

Contingent guarantee issue level premium with 10, 20, or 30 year term lengths and policy limits up to $100,000. Additional benefits include: Family Coverage Option, Waiver of the premium if owner becomes disabled before age 65 and policy is renewed up to age 100 without having to provide evidence of good health.

Accident Insurance

Provides guarantee issue off the job accident benefit coverage including doctor, emergency room, hospital, physical therapy and follow-up. Designed to help cover expenses that your health plan may not fully cover such as deductible and co-pays.

Critical Care Insurance

Provides guarantee issue up to $20,000 Lump Sum Benefit in the event of a heart attack, stroke, heart failure, invasive cancer, or kidney or other major organ failure.