IHA Health: REAL Affordable Health Care
(for Independent Contractors)

  • Major Medical
  • MEC Medical
  • Dental/Vision
  • Term Life
  • Group Accident
  • Group Critical Care

Major Medical

IHA has made available 4 comprehensive major medical plans specifically designed for Independent Contractors across the United States.  IHA provides you with a competitive choice to the government-run ACA health care marketplace, with a strong network with First Health. If you are an Independent Contractor in good health and want a health plan that has comprehensive coverage, great networks and, affordable premiums, then IHA is the place for you.

Major Medical Plan Options

Quick Glance Comparison

Showing highlights to all four medical plans accessed through IHA

Glossary

Common Medical Benefit Terminology

Why our plans?
  • Lower cost. Great coverage without high premiums.
  • Exclusive. These plans are only available through IHA Health – This is the first time Group Major Medical plans have been made available to Owner Operators.

MEC Medical

For those individuals who need coverage to take care of the basic needs, with additional provisions in case of emergencies.  Minimal Essential Coverage plans are just that – they take care of the essential coverage’s as defined by the ACA.  All for considerably less than traditional major medical plans.

Watch Video

Here is a short video on the MEC medical plans accessed through the IHA

MEC Medical Plan Options

Quick Glance Comparison

An insureds guide and comparison to the CHC MEC Plans

Summary of Benefits

MEC Medical Plan Base SBC

Why our plans?

  • The lowest cost. Great coverage without higher premiums.
  • Exclusive. These plans have been tailor-made specifically for IHA, and of course, only available through IHA and their Independent Contractor members.

Dental & Vision

Colonial Life’s Individual Dental PPO product provides benefits to America’s workers and their families for preventive, basic and major dental services. Their dental plan covers a wide range of treatments, from routine cleanings to root canals and pays benefits based on a defined co-insurance percentage. Insureds have the freedom to choose any dentist, and by seeing an in-network dentist they can even reduce their out-of-pocket costs.

Watch Video

Here is a short video on the Dental & Vision plans accessed through the IHA

Dental & Vision Plan Options

Why Get Dental?

An overview of how important a good dental plan is to your health

Why Add Vision?

Learn more about the Vision Rider, available with the purchase of the Dental Benefit

Why our plans?

  • Long Term Coverage. Members can keep their coverage until they turn 75, even if they retire
  • Child Orthodontia. Members children up to age 19 have a lifetime benefit of $1000 or 50% co-insurance, which ever is less
  • Optional Vision Rider. Fully insured vision benefits with coverage for eye exams and materials

Term Life

How secure is your family’s future without you?
The last thing you or your family should have to worry about is the financial cost of losing a loved one. Funeral expenses, medical bills and taxes are just the tip of the iceberg. How would they cover ongoing living expenses such as the mortgage, healthcare and utilities?
You want what’s best for your family, and that includes making sure they’re prepared for the future. With term life insurance, you can provide financial security to help them cover their ongoing living expenses.

Watch Video

Here is a short video on the Term Life plan accessed through the IHA

Term life Insurance

Protect your Financial Interests

How you can add a safety net for your family with Life Insurance, accessed through IHA Health

Frequently Asked Questions

Find answers to frequently asked questions regarding the Term Life policies accessed through the IHA Health

Why our plans?

  • Guaranteed Issue Face Values. Members can get up to $100,000 in face value
  • Your Rates are Locked. The cost of your policy (premium) will never go up during the life of your policy. Ever.

Accident Insurance

No matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life.
And accidents can come with costs, such as emergency room fees, doctor’s bills, and the costs of missing work. Even if you have good health insurance, deductibles and co-pays can really add up after an accident. Would you have savings available to pay these costs?
But with accident insurance, you can receive money paid directly to you to help with all the expenses of a covered accident. So you can focus on what really matters: healing.

Watch Video

Here is a short video on the Accident plan accessed through the IHA

Accident Plan Options

Payout Benefits

What you can expect from the Accident Plan, accessed through IHA Health

Why our plans?
  • 24/7 365 Coverage. At any time, anywhere, if you suffer an accidental injury, and seek medical attention, you can file and collect on your claim
  • Payable on your severity. We know that the more severe the injury, the longer you will miss work.  The Accident plan pays out on each injury, not just one lump sum.

Critical Illness Insurance

No matter where you are in life, you never know when you or a loved one could have a sudden illness. Fortunately, medical advancements and early detection are helping many people survive critical illnesses.
These technologies and tests can lead to increased medical expenses. With health insurance only covering some of these costs, an unexpected illness could make it difficult for you to pay your regular monthly bills, such as housing, utilities and child care.
Critical Illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.

Watch Video

Here is a short video on the Critical Illness plan accessed through the IHA

Critical Ilness Plan Options

Why Critical Illness Insurance?

What you and your loved ones should know about Critical Illness insurance

How does it benefit me?

Know what you would recieve after having a covered major medical event

Why our plans?

  • Guaranteed Issue amounts. No medical questions, just coverage for you and (optionally) your family
  • Covers the major medicl events. Heart attack,  stroke, cancer, organ failure, and more.

Need extra help?

Schedule an appointment with us!

Need to Enroll?
Schedule an Appointment!
Phone appointments are available to:

  • Have one-on-one support
  • Increase your education on accessable benefits
  • Set a time that works for YOU

Choose this option if you have
NOT COMPLETED
your enrollment yet

*Availability and times are based on your resident state

Already Enrolled?
We are here to help!
Phone appointments are available to:

  • Review and/or discuss your Personal Health Questionnaire (Major Medical Only)
  • Review and/or finalize your premiums
  • Assistance with claims filing

Choose this option if you are
CURRENTLY
enrolled in benefits

Glossary of Terms
Coinsurance: A part of the insurance in which the insured (you or you insured family member) pays a share of the payment made against the claim (bill from provider).
Copay: A specific charge that your health insurance plan may require that you pay for a specific medical service or supply. For example: Your health insurance plan may require a copay for an office visit or brand name prescription drug, after which the insurance company often pays the remainder of the charges.
Deductible: A specific dollar amount that your health insurance company may require that you pay out-of-pocket each year on medical expenses before your health insurance begins to make payments for claims. Individual is for the plan with member sign-up only. Family is for the member plus all family to be insured on the plan.
HSA: A specific type of a PPO health insurance plan, generally having lower premiums and higher deductibles than a traditional PPO health insurance plan. This plan requires deductibles to be paid in full prior to health insurance making payments for claims. This includes regular doctor visits and prescriptions. This plan is also qualified for a Health Savings Account that may give end-year tax reduction benefits. Please consult your tax advisor. The IHA does NOT offer a Health Savings Account benefit.
Network: With a network plan, you’ll need to get your medical care from doctors or hospitals in the insurance company’s network for the best benefit. Services rendered by out-of-network providers may not be covered or may be paid at a lower level.
Out of Pocket Maximum: An annual (contract or calendar year) limitation on all cost-sharing for which patients are responsible under a health insurance plan. This limit does not apply to premiums, balance-billed charges from out-of-network health care providers or services that are not covered by the plan. Individual is for the plan with member sign-up only. Family is for the member plus all family to be insured on the plan.
PPO: Preferred Provider Organization. A type of health insurance arrangement that allows plan participants relative freedom to choose the doctors and hospitals they want to visit. Highest savings to the insured will be providers with in the plan network.
Preventative: Medical care rendered not for a specific complaint but focused on prevention and early-detection of disease.