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.
IHA Members are provided two affordable 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.
Two Plan Options are available:
Low Plan = $1,000 Annual Benefits Maximum
High Plan = $2,000 Annual Benefits Maximum
Partners with the VSP Choice Network providing over 29,000 doctors and 50,000 access points. Member's
coverage includes annual eye exams, lenses, frames, contacts and an average saving of 20-25 percent on out-of-pocket eye care services.
NuWin Care provides you and your family access to State Board Certified physicians around the clock (24/7/365) by telephone or secure video. NuWin Care physicians can give advise, diagnose, treat illness and even prescribe medication right over the phone.
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.
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.