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 indemnity plans can help reduce out-of-pocket costs by paying fixed benefit amounts for covered medical expenses resulting from hospitalization or surgery.


This type of coverage may be the right fit if you 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 not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes.

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