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
Showing highlights to all four medical plans accessed through IHA
Common Medical Benefit Terminology
- 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.
Here is a short video on the MEC medical plans accessed through the IHA
MEC Medical Plan Options
An insureds guide and comparison to the CHC MEC Plans
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.
Here is a short video on the Dental & Vision plans accessed through the IHA
Dental & Vision Plan Options
An overview of how important a good dental plan is to your health
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.
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
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.
Here is a short video on the Accident plan accessed through the IHA
Accident Plan Options
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.
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
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.