What is Metal Gap 2 Indemnity by The IHC Group
Your main medical plan could leave you responsible for deductible and coinsurance expenses due to accident or certain critical illnesses. Metal Gap 2 insurance offers options to complement your health plan to offset your out-of-pocket expenses.
Things to know before I sign up for it
Am I eligible for this insurance plan?
This plan is available to the primary applicant up to age 64, his or her spouse age 18 to 64 and dependent children under the age of 26. Child-only plans are not available. All benefits terminate when the coveredperson has attained age 70. It is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history
What all does it cover?
This plan has five levels of benefits for you to choose from for following covered items:
Accident Medical Expense: Benefits are payable for medical expenses incurred as the result of each covered accident up to the select maximum benefit amount, or the actual expense you incur, whichever is less.
Accidental Death and Dismemberment: The benefit is paid when an accident results in death or a covered loss or dismemberment. The amount paid will vary based on the nature of the loss. This benefit is available once during the coverage period.
Critical Illness: Covered critical illnesses include life-threatening cancer; heart attack; kidney failure; stroke; coma; coronary artery bypass; loss of sight, speech or hearing; major organ transplant; paralysis and severe burn. (Covered illnesses may vary by state.) The percentage of the benefit paid varies based on the illness diagnosed. In addition to the standard plan benefit, a critical illness benefit of $2,500 is available for each covered dependent child.
Inpatient and Outpatient Surgical: The benefit is paid for a covered inpatient or outpatient surgical procedure to repair damage, control a disease or certify a diagnosis. One inpatient and one outpatient benefit are available per calendar year.
I just signed up. Now What?
Check your email for a welcome letter and Insurance Policy documents.
Follow the instructions in the email to signup as member with policy servicers.
Go over the policy and understand its scope, benefits, and limitations.
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
Questions? We are here to help!
Who is the provider of the plans?