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Standard Security Life Personal PPO Health Insurance 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. http://www.ihcgroup.com/

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. Each visit will cost only a $40 co pay. 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". They also provide very competitively priced HSA qualified HDHP's with 100% and 80% "co- insurance" options to choose from.

With 100%, 80/20, 70/30 and 50/50 co-insurance plans discount drug cards are included at no additional cost. Also available for an additional premium on all plans is an outpatient "first dollar" co pay prescription drug card. With this option added, Generic prescription drugs will be covered with no deductible required. Brand name drugs will be covered for a $50 co pay after a separate calendar year $500 or $1,000 outpatient brand name prescription drug deductible is satisfied. 

Personal Health Plans now include the new mandates under the PPACA (Patient Protection & Affordable Care Act) that went in to effect on September 23rd, 2010. They are as follows:

  • No lifetime limits on overall plan benefits, and no lifetime limit on the dollar value of specific "essential benefits."
  • Annual limits on essential benefits, only until 1/1/14.
  • Rescission only for fraud or intentional misrepresentation of material facts. (This was law before the PPACA).
  • Coverage of preventive health services and immunizations without cost sharing. Including the following

    Covered Preventive Services for Adults:
    • Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
    • Alcohol Misuse screening and counseling
    • Aspirin use for men and women of certain ages
    • Blood Pressure screening for all adults
    • Cholesterol screening for adults of certain ages or at higher risk
    • Colorectal Cancer screening for adults over 50
    • Depression screening for adults
    • Type 2 Diabetes screening for adults with high blood pressure
    • Diet counseling for adults at higher risk for chronic disease
    • HIV screening for all adults at higher risk
    • Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
      • Hepatitis A
      • Hepatitis B
      • Herpes Zoster
      • Human Papillomavirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Tetanus, Diphtheria, Pertussis
      • Varicella
    • Obesity screening and counseling for all adults
    • Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
    • Tobacco Use screening for all adults and cessation interventions for tobacco users
    • Syphilis screening for all adults at higher risk

    Covered Preventive Services for Women, Including Pregnant Women:
    • Anemia screening on a routine basis for pregnant women
    • Bacteriuria urinary tract or other infection screening for pregnant women
    • BRCA counseling about genetic testing for women at higher risk
    • Breast Cancer Mammography screenings every 1 to 2 years for women over 40
    • Breast Cancer Chemoprevention counseling for women at higher risk
    • Breast Feeding interventions to support and promote breast feeding
    • Cervical Cancer screening for sexually active women
    • Chlamydia Infection screening for younger women and other women at higher risk
    • Folic Acid supplements for women who may become pregnant
    • Gonorrhea screening for all women at higher risk
    • Hepatitis B screening for pregnant women at their first prenatal visit
    • Osteoporosis screening for women over age 60 depending on risk factors
    • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
    • Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
    • Syphilis screening for all pregnant women or other women at increased risk

    Covered Preventive Services for Children:
    • Alcohol and Drug Use assessments for adolescents
    • Autism screening for children at 18 and 24 months
    • Behavioral assessments for children of all ages
    • Cervical Dysplasia screening for sexually active females
    • Congenital Hypothyroidism screening for newborns
    • Developmental screening for children under age 3, and surveillance throughout childhood
    • Dyslipidemia screening for children at higher risk of lipid disorders
    • Fluoride Chemoprevention supplements for children without fluoride in their water source
    • Gonorrhea preventive medication for the eyes of all newborns
    • Hearing screening for all newborns
    • Height, Weight and Body Mass Index measurements for children
    • Hematocrit or Hemoglobin screening for children
    • Hemoglobinopathies or sickle cell screening for newborns
    • HIV screening for adolescents at higher risk
    • Immunization vaccines for children from birth - age 18 doses, recommended ages, and recommended populations vary:
      • Diphtheria, Tetanus, Pertussis
      • Haemophilus influenzae type b
      • Hepatitis A
      • Hepatitis B
      • Human Papillomavirus
      • Inactivated Poliovirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Rotavirus
      • Varicella
    • Iron supplements for children ages 6 to 12 months at risk for anemia
    • Lead screening for children at risk of exposure
    • Medical History for all children throughout development
    • Obesity screening and counseling
    • Oral Health risk assessment for young children
    • Phenylketonuria (PKU) screening for this genetic disorder in newborns
    • Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
    • Tuberculin testing for children at higher risk of tuberculosis
    • Vision screening for all children
  • Dependent coverage extended to adult children to age 26.
  • Prohibition of pre-existing exclusions for individuals under 19.
  • Compliance with specific internal claims appeals processes and external review requirements.
    Source: http://www.healthcare.gov/law/about/provisions/services/lists.html

 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
  •  Unlimited lifetime benefits per insured.
  •  Optional unlimited $40 doctor office sick visits co pays with the traditional plans.
  •  PPACA Mandated Preventative Care benefits included.
  •  Discount drug card included with all plans
  •  Available Generic prescription card with $30 co pays and no deductible required on Traditional (non HSA qualified) plans.
  •  Available Brand Name prescription card with $50 co pays and $500 or $1,000 calendar year deductible on Traditional (non HSA qualified) plans. Non Formulary Brand Name prescription drugs will be covered for a $75 co pay with this option.
  •  100%, 80/20, 70/30 or 50/50 co-insurance plans to choose from with the traditional plans.
  •  Optional A.M.E pays you $5,000 or up to $10,000 per accident in the E.R. (see WBA "Accident Shield" link 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 Personal Health Plans brochure below)

 Standard Security Life Traditional & HSA Qualified Personal Health Plans  2011 ( PDF)

World Care Individual Dental Insurance plan ( PDF format)

Since accidental injuries are far more likely to occur than major medical illnesses (most especially when you have active children) many families are choosing to purchase supplemental accident expense plans. These plans pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs. This cash can then be used to pay your health insurance plan deductible. Supplemental Accident Expense plans are also a great way to save money because you can choose a higher deductible than you would normally choose knowing that you will not have to pay that deductible if an accidental injury occurs to any member of your family. Click below for more information:


 

Supplemental Accident Expense plans can also be coupled with Critical Illness plans. In fact, Supplemental Accident Expense plans are often cheaper when coupled with Critical Illness plans. Why consider Critical Illness coverage?

Approximately 1.2 MILLION people suffer heart attacks each year. Approximately 780,000 people suffer strokes each year. More than 1.4 MILLION new cancer cases were estimated for diagnosis in 2007 alone. Between 1994 and 2004, the death rate declined approximately 31% for heart attacks and almost 24% for strokes. (Source: American Heart Association, Heart and Stroke Statistical Update, 2008.) The possibility of surviving a Critical Illness before age 65 is almost twice as great as dying. (Source: National Center for Health Statistics.)

WOULDN’T A CHECK BE BETTER THAN A GET WELL CARD? Critical Illness benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example:

  • Home Health Care
  • Cost of Caregivers
  • Lost Income of Self or Spouse
  • Daily Living Expenses
  • Co Pays, Deductibles & Co-Insurance
  • Non -Covered "Experimental Treatments
  • Housekeeping or Child Care Expense
  • Maintenance of Your Family's Quality of Life

American Financial Resources Inc. (www.gafri.com) A subsidiary of American Financial Group Inc. (www.afginc.com) has introduced a new Supplement Accident Expense plan that also includes Critical Illness coverage and it's extremely well priced. Adding this product to any health insurance plan would not only alleviate the worry of paying your health plan deductible if you or a family member where to suffer an accidental injury but it will also provide you a much larger cash benefit (up to $50,000) if you or a family member where to contract a critical illnesses such as life threatening Cancer, Stroke, Kidney failure, Major Organ Transplant, Muscular Dystrophy, Multiple Sclerosis or if you suffer a Heart Attack.  For more information about this unique and affordable plan click the brochure below. For a free quote, please contact us and we will send you quotes via email. Or call us toll free @ (866) 724 7123.

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