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

★★★★☆

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
	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