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These products are 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. The termination or loss of this policy does not entitle you to a special
enrollment period to purchase a health benefit plan that qualifies as minimum
essential coverage outside of an open enrollment period. These products may
include a pre-existing condition exclusion provision.
10-day right to return period
If for any reason you are not satisfied with this policy, you may return it to us within 10 days after you receive it and we will
refund any premium paid. Your coverage issued under the policy will be void, as though we had not issued the coverage.
Not all plans or combinations of benefits are available in all states.
This brochure provides a very brief description of the important features of Metal Gap 2. This brochure is not the insurance
Policy, and only the actual Policy provisions will control. The Policy itself sets forth, in detail, the rights and obligations of
both the policyholder and the insurance company. It is, therefore, important that you READ THE POLICY CAREFULLY. For
complete details, refer to the Accident Medical Expense and Accidental Death and Dismemberment Insurance Policy (IAIC
ANC POL 0115), the Critical Illness Indemnity Benefit Rider (IAIC ANC CIBR 0115) and the Hospital/Surgical/Physician Office
Visit Benefit Rider (IAIC ANC HSPBR 0115). The amount of benefits provided depends on the plan selected and the premium
will vary with the amount of benefits selected.
About Independence American Insurance Company
Independence American Insurance Company is domiciled in Delaware and licensed to write property and casualty insurance
in all 50 states and the District of Columbia. Its products include short-term medical, employer medical stop-loss, hospital
indemnity, fixed indemnity limited benefit, group and individual dental, pet insurance, and non-subscriber occupational
accident insurance in Texas. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely
recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder
obligations (an A++ rating from A.M. Best is its highest rating).
About The Loomis Company
The Loomis Company (Loomis), founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has
strategically invested in industry leading ERP platforms, and partnered with well-respected companies to enhance and grow
product offerings. Loomis supports a wide spectrum of clients from self-funded municipalities, school districts and employer
groups, to large fully insured health plans who operate on and off state and federal marketplaces. Through innovation and
a progressive business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum
efficiencies required in the ever evolving healthcare environment.
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in
underwriting, administering and/or distributing group and individual specialty benefit products, including disability,
supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its
subsidiaries collectively referred to as “The IHC Group”). The IHC Group includes three insurance companies (Standard
Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American
Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company
that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers,
advisors, private label arrangements, independent agents, and through the following brands: www.HealtheDeals.com; Health
eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.
Copyright © 2018 The IHC Group. All Rights Reserved.
Brochure Metal Gap 2 IAIC 1118 4
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. The termination or loss of this policy does not entitle you to a special
enrollment period to purchase a health benefit plan that qualifies as minimum
essential coverage outside of an open enrollment period. These products may
include a pre-existing condition exclusion provision.
10-day right to return period
If for any reason you are not satisfied with this policy, you may return it to us within 10 days after you receive it and we will
refund any premium paid. Your coverage issued under the policy will be void, as though we had not issued the coverage.
Not all plans or combinations of benefits are available in all states.
This brochure provides a very brief description of the important features of Metal Gap 2. This brochure is not the insurance
Policy, and only the actual Policy provisions will control. The Policy itself sets forth, in detail, the rights and obligations of
both the policyholder and the insurance company. It is, therefore, important that you READ THE POLICY CAREFULLY. For
complete details, refer to the Accident Medical Expense and Accidental Death and Dismemberment Insurance Policy (IAIC
ANC POL 0115), the Critical Illness Indemnity Benefit Rider (IAIC ANC CIBR 0115) and the Hospital/Surgical/Physician Office
Visit Benefit Rider (IAIC ANC HSPBR 0115). The amount of benefits provided depends on the plan selected and the premium
will vary with the amount of benefits selected.
About Independence American Insurance Company
Independence American Insurance Company is domiciled in Delaware and licensed to write property and casualty insurance
in all 50 states and the District of Columbia. Its products include short-term medical, employer medical stop-loss, hospital
indemnity, fixed indemnity limited benefit, group and individual dental, pet insurance, and non-subscriber occupational
accident insurance in Texas. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely
recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder
obligations (an A++ rating from A.M. Best is its highest rating).
About The Loomis Company
The Loomis Company (Loomis), founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has
strategically invested in industry leading ERP platforms, and partnered with well-respected companies to enhance and grow
product offerings. Loomis supports a wide spectrum of clients from self-funded municipalities, school districts and employer
groups, to large fully insured health plans who operate on and off state and federal marketplaces. Through innovation and
a progressive business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum
efficiencies required in the ever evolving healthcare environment.
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in
underwriting, administering and/or distributing group and individual specialty benefit products, including disability,
supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its
subsidiaries collectively referred to as “The IHC Group”). The IHC Group includes three insurance companies (Standard
Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American
Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company
that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers,
advisors, private label arrangements, independent agents, and through the following brands: www.HealtheDeals.com; Health
eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.
Copyright © 2018 The IHC Group. All Rights Reserved.
Brochure Metal Gap 2 IAIC 1118 4
