Personal Health plans are provided by the Independence Holding Group an insurance organization that is comprised of the   Independence Holding Company (NYSE: IHC) and its operating subsidiaries and affiliates. With more than $1.3 billion in assets,  the IHC Group serves more than one million customers through its operating companies, which include three A- (Excellent) A.M.  Best-rated insurance carriers, third-party administrators, managing general underwriters and marketing organizations. The IHC  Group has been providing life, health and stop-loss solutions for over 25 years.

 Personal Health Plans are Administered by Insurers Administrative Corporation a member of the IHC Group. IAC is a leading  administration and marketing organization in the fully insured, partially self-funded & international markets. Established in 1978,  IAC specializes in small group major medical (2-50 lives), Individual Health Insurance Plans short-term medical, dental and other  insurance products. They also provide Small Group Health Insurance Plans.

Standard Security Life Insurance Company of New York is the insurer for health, dental, life, accidental death and dismemberment benefits described in the Personal Health Plans brochure below. Standard Security Life Insurance Company of New York, a member of the IHC Group, is rated A-(Excellent) by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insured's. Standard Security Life Insurance Company of New York was founded in 1958, and is domiciled in the State of New York, and headquartered in New York City. It is licensed in all 50 states, the District of Columbia, the Virgin Islands, and Puerto Rico.

Personal Health Plans provide high and low deductible plans with unlimited "first dollar" outpatient doctor office visit co pays. A "first dollar" benefit is defined as "a benefit you receive without paying your calendar year health plan deductible first e.g. outpatient doctor office visit co pays, outpatient prescription drug co pays, outpatient Preventative care or Wellness benefits".  

With 80/20, and 70/30 co-insurance plans discount drug cards are included at no additional cost. Outpatient "first dollar" co pay R/X cards are optional with a $15 co pay for generic prescription drugs with no yearly deductible first. $30 co pays for brand name drugs after a separate $250 yearly deductible is satisfied. A $250 "first dollar" well care benefit per insured is included immediately. You will only pay your co pay. Yearly mammograms are covered on a 'first dollar' basis as well with no co pay or deductible required.

 Standard Security Life (IHC) Personal Health Plans

•  Standard Security Life Rated A-(Excellent) By A.M. Best www.sslicny.com 
•  Administered by I.A.C. One of the nations largest administrators: www.iacusa.com
•  A member of I.H.C. Independence Holding Group www.ihc.com
•  Largest nationwide P.P.O. in the nation. Search for providers at: www.phcs.com and Cigna/Great West
•  5 million in lifetime benefits per insured.
•  Optional unlimited $40 doctor office sick visits co pays with the traditional plans.
•  Optional Child & adult Preventative care included immediately; pay only the co pay. Also available with HSA qualified HDHP.
•  Optional Free yearly mammograms; pay nothing out of pocket. Also available with the HSA qualified HDHP.
•  Discount drug card included with base premium
•  Optional R/X card with $15 co pays for generic with no yearly deductible with the traditional plans.
•  Optional $30 co pays for brand name drugs after separate $500 or $1,000 calendar year Rx deductible is satisfied with the traditional plans.
•  100%, 80/20, 70/30 or 50/50 co-insurance plans to choose from with the traditional plans.
•  Optional A.M.E pays first $2,500 or first $5,000 per accident in the E.R. (see AME VBA brochures below)
•  Controlled pre-existing conditions such as hypertension and high cholesterol are covered from day one with no waiting period on all plans.
•  H.S.A. qualified H.D.H.P also available (see second Personal Health Plans brochure)