What is Supplemental Hospital and Surgical Indemnities by The IHC Group
Your main medical plan could leave you responsible for deductible and coinsurance expenses due to your hospitalization and surgical expenses. Supplemental Hospital Insurance pays fixed benefits for a covered inpatient hospital stay. Surgical services may also be optionally added to cover surgical expenses, not to exceed the selected plan maximum amount.
Things to know before I sign up for it
What all does it cover?
This is a fixed indemnities plan designed for your financial protection to offset incidentals related to ‘Out-of-Pocket’ from your current health insurance plan and other overheads. Benefits may be paid directly to you, unless you assign them to a physician, hospital or other health care provider.
Medical services, which may be covered by this plan, include the following:
- Inpatient hospital confinement
- Inpatient surgical services
- Outpatient surgical services
- Second surgical opinion
- Outpatient urgent care or emergency room visit
- Outpatient diagnostic x-ray or lab
- Outpatient advanced studies
With two plan options and optional benefit buy ups, Supplemental Hospital Insurance allows for flexibility with various benefit levels and monthly premiums to meet your needs and your budget. You may apply for coverage at any time – there are no designated enrollment periods
Am I eligible for this plan?
At the time of application, if you are 18 to 64.5 years of age and a permanent resident of the United States, you and your eligible dependents may apply to purchase a Supplemental Hospital Insurance plan. You can apply by completing an application for insurance, and you and your eligible dependents, if applying, must qualify for coverage based on the plan’s underwriting guidelines. Eligible dependents include: Your lawful spouse/domestic partner under 64.5 years of age, and your child(ren) under age 26.
Things to know before I sign up for it.
Familiarize yourself with the brochure and providers networks below
I’m a policy holder. I need help!
Follow the instructions in the email.
Customer Service is provided by third party, Loomis company
Read more customer service information
- Customer Service: select Option 3 for members at 866-473-6615
- Onllne Member Portal: http://www.loomisco.com/healthxgateway/member
- Policy Documents Requests: IHCDocuments@loomisco.com
- Bill inquiries: 1-856-892-4301; Fax: 610-374-6986
Plan availability varies by State. Shop Plans to see what’s currently available for you
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