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The IHC Group

The IHC Group offers Short Term Medical (STM) plans in around 35 states. The available plans and length of the available coverage term varies by state. Below you will find the states where IHC Group plans are available and the policy term duration's for their plans in each state.

The IHC Group STM plan provide an excellent base of protection. However, Short term medical (STM) plans do not cover all the services/treatments mandated under Obamacare (e.g. maternity, preventive care, outpatient mental health services and prescription drugs) and they do not cover any pre-existing conditions.

Therefore, to enhance your overall coverage, IHC Group offers several supplemental benefits (see further down this page). You can also add any or all the following supplemental benefits available on our US Supplemental Coverage page to make your overall plan as comprehensive as you want:

  • Accident Protection Plans
  • Critical Illness Plans
  • Cancer Treatment Plans
  • First Day Hospital/ICU Stay Protection
  • 100% Preventive Care (Per ACA/Obamacare guidelines)
  • Prescription Drug coverage

About The IHC Group

Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”). The IHC Group includes three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers, advisors, private label arrangements, independent agents.

The IHC Group Coverage

The IHC Group offers three different STM plans. Each plan offers a range of deductibles and coinsurance choices. Here is additional information about their plans: 

Connect Value - This is their least expensive plan. Premiums are lower because of a lower $1 Million coverage term maximum benefit and additional limitations on covered services than on their other plans.

For more details see the: Connect Value Brochure

Connect STM - This traditional STM plan offers a $2 Million coverage term maximum with more standard STM plan coverage and fewer limitations than the Connect Value plans (above). 

For more details see the: Connect STM Brochure

Connect Plus - This plan offers the same benefits as the Connect STM plans (above) and includes up to $25,000 of coverage per term for pre-existing conditions.

For more details see the: Connect Plus Brochure

All plans offer the following: 

  • $50 Office Visit Copay in network (1 to 3 visits per term depending on the length of the coverage term)
  • Freedom to see any provider anytime
  • Additional discounts by using the PHCS Limited Benefit Plan PPO Network

STM Extend plans - In the states listed below, the Connect Value and Connect STM plans can be extended for up to an additional 24 months up to a maximum of 36 months total per term. 

***IMPORTANT NOTE: STM Extend plans are NOT a 2x12 or 3x12 type of plan. That means there is NO change in policy number every 12 months AND NO change in monthly premium for up to the full 36 months

The IHC Group Plan Availability by State

The available states for each of the IHC Group plans is as follows: 




STM Extend plansAKAL, AR, AZ, FLGAIN, KY, LA, MS, NC, NEOK, SC, TN, WV, and WY

NEW: Extend plans will be available in Texas starting November 22, 2019.

The IHC Group Supplemental Benefits

The IHC Group offers a variety of different supplemental plan options that you can include with your STM plan. Plan availability varies by state. For all supplemental plans you can view plan details, see availability for your state, run quotes and apply for these plans at the "Quote and Apply" link below.

Accident and Critical Illness Insurance:


Bridge, underwritten by Madison National Life Insurance Company, Inc., is an Accident and Critical Illness product from IHC Specialty Benefits. If you have an accident or are diagnosed with a critical illness, the last thing you want them to worry about is money. You have health coverage for your medical bills but other costs can pile up. That's where Bridge can help.

There are four different Bridge plans with a range of benefit amounts. Benefit amounts vary by plan. Benefit ranges are as follows:

  • Critical Illness - $2,500 to $10,000
  • Accident Medical Expense (per injury) - $2,500 to $10,000
  • Accident Disability Income (12 month benefit) - $1,000/month (all plans)
  • Accident Hospital Confinement (30 days per year) - $150/day (all plans) 

Monthly Costs:

  • Bridge One: Single - $34.95, Family - $52.95
  • Bridge Two: Single - $45.95, Family - $76.95
  • Bridge Three: Single - $56.95, Family - $99.95
  • Bridge Four: Single - $65.95, Family - $120.95

Bridge Plans Brochure - The brochure for this plan is not available currently. Please ask for a copy.

Metal Gap 2:

Metal Gap 2 insurance provides benefits for covered accidents up to the selected maximum amount, or the actual expense you incur, whichever is less. Critical illness benefits provide a lump-sum payment that is sent directly to you and can be used for anything you choose.

Metal Gap 2 offers five different plans with a range of benefit amounts. Benefit amounts vary by plan. Benefit ranges are as follows:

  • Accident Medical Expense - $2,500 to $7,000
  • Critical Illness Lump Sum Amount - $7,500 or $10,000
  • Inpatient Surgery Benefit (available on 2 plans) - $1,000 or $1,500
  • Outpatient Surgery Benefit (available on 3 plans) - $750 to $1,250
  • Hospital Admission Benefit  (available on 1 plan) - $500
  • Hospital Confinement Benefit (available on 1 plan) - $1,000

For more details see the: Metal Gap 2 Brochure

Supplemental Hospital Insurance:

Supplemental Hospital Insurance can help fill gaps in your health insurance coverage by providing cash benefits for unexpected or higher cost services. It pays benefits regardless of other coverage you may have, and benefits may be paid directly to you, unless you assign them to a physician, hospital or other health care provider. 

With two plan options and optional benefit buy ups, Supplemental Hospital Insurance allows for flexibility with various benefit levels and monthly premiums to meet your needs and your budget. The benefits on each plan are as follows: 

Hospital Insurance Plan:

  • Inpatient Hospital Confinement Benefit - $3,000 (once per calendar year)

Hospital and Surgical Insurance Plan:

  • Inpatient Hospital Confinement Benefit - $3,000 (once per calendar year)
  • Inpatient Surgery Benefit (per surgery, unlimited) - $2,000 
  • Outpatient Surgery Benefit (per surgery, unlimited) - $1,000
  • Second Surgical Opinion Benefit - $100

For more details see the: Supplemental Hospital Insurance Brochure

The IHC Group Short Term Medical Quote and Apply Online

The easiest way to quote and apply is through the IHC Group's secure online application link as follows:

Click Here to Quote and Apply

See if one of our alternative health plan solutions is right for you 

 If you would like to discuss your health insurance options to see if one of these IHC Group STM plans (combined with a Fixed Benefit plan and/or our other US Supplemental Plans) are right for you, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.

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