Other Benefits
Other Benefits
IHA Health offers more than Major Medical Insurance. We cover everything from dental to life insurance, below you will find a complete list of the services we offer.
Hospital Indemnity
Hospital Indemnity insurance helps an insured pay for things not covered by major medical, like deductibles and other out-of-pocket expenses, when a hospital confinement occurs.
Accident Insurance
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.
Critical Care Insurance
Critical Illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the costs related to a covered critical illness.
Term Life
You want what’s best for your family, including making sure they’re prepared for the future. Term life insurance, provides financial security to help them cover their ongoing living expenses.
Dental and Vision
The dental and vision plan provides benefits to America’s workers and their families for preventive, basic and major dental services.
Hospital Indemnity
When you, your spouse or child are facing a hospital stay, you can receive a benefit to help pay unexpected expenses not covered by your plan. While health plans may cover direct costs associated with an illness, injury or maternity, you can use your hospital indemnity benefits to help cover related expenses like lost income, child care, deductibles and copays. Hospital indemnity insurance payments can be used however you want, and it pays in addition to any other coverage you may already have. Benefits are payable directly to you.
Why choose a Hospital Indemnity plan from IHA Health?
- No medical questions to answer. Guaranteed issue coverage. Benefits add up – many of your benefits can be payable on the same day.
Critical Care 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.
Why choose a Critical Care Plan from IHA Health?
- Guaranteed Issue amounts. No medical questions, just coverage for you and (optionally) your family
- Covers the major medical events. Heart attack, stroke, cancer, organ failure, and more.
Individual 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.
Why choose a Individual Accident Plan from IHA Health?
- 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.
Dental and Vision
The dental and vision plan 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.
Why choose a Dental and Vision Plan from IHA Health?
- 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 Insurance
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.
Why choose a Term Life Plan from IHA Health?
- 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.
Next Steps
- Enter your contact information and hit SUBMIT
- Receive an email with link to Health Questionnaire (PHQ) and Benefit Brochure
- Review rates and complete PHQ
- Get a quote within 2 business days
- Set up an appointment with our licensed enrollment team