The IHC Group

Care Access Plan

Large medical bills, expected or not, can be stressful. Oftentimes, consumers must meet their health insurance deductible before plan benefits fully kick in. Hospital and surgical health insurance plans can help reduce out-of-pocket costs by paying fixed benefit amounts to help with covered medical expenses resulting from hospitalization, surgery and certain outpatient therapy services.


This type of coverage might be the right fit for your clients who are looking for:

  1. Coverage for unexpected hospitalization or surgery charges, with varying levels of benefits and price points
  2. Flexibility to choose any doctor or hospital, with additional cost savings available via access to network providers
  3. Lump-sum benefit payments for ambulance, chemotherapy and radiation, and an added critical illness benefit


THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA) LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

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