Plans Offered

More About IHC

Company Information

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc., Independence American Insurance Company and IHC Specialty Benefits.

Short-Term Medical Secure Plans – Plan Comparison

They offer three different plan types, each good for different situations:

Connect Lite

Our Rating: ★☆☆☆☆

The least expensive and lowest level of coverage. These plans have low 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 unless it is an emergency.

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 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
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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