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Short term life insurance8/18/2023 ![]() ![]() ![]() To search for a health care provider or facility, please visit the Web sites listed below. While we can’t guarantee the outcome, if we successfully obtain a discount it will be passed on to you. If you are unable to find a network provider, we will attempt to negotiate a discount for you from your provider. You will still be responsible for paying your share of the covered expenses, including any applicable deductible, co-pay and coinsurance for your selected plan. The discount will be reflected in your final bill and you will not owe the network providers for the difference between their retail rate and the negotiated fee. ![]() While you have the flexibility to choose any health care provider, the discounts available through network providers for covered services will help to lower your out-of-pocket cost. The network providers have agreed to provide their services at a negotiated fee and pass these discounts on to you. Through the STM plan, you have access to discounted medical services through two national Preferred Provider Networks (PPOs): ACS and MultiPlan. Three times the amount billed for a semi- private room or three times 90% of the private room billed amountĪll plans Include one-time $25 enrollment fee 1The $3,500 deductible is not available with the 0% in-network coinsurance selection. 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, up to $6,250 per day The amount billed for semi-private room or 90% of the private room billed amount The amount billed for semi- private room or 90% of the private room billed amount The amount billed for semi- private room or 90% of the private room billed amount, up to $5,000 per day Hospital room, board and general nursing care Outpatient hospital surgery or ambulatory surgical center Ground: Up to $500 per occurrence Air: Up to $1,000 per occurrenceĪcquired Immune Deficiency Syndrome (AIDS) Short-Term Medical Secure Plans – Plan Comparison Plan Designs 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. 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. ![]()
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