Supplemental Medical Plans

Hospital Insurance

 

by
The IHC Group
In Florida only
Two types with three levels each to choose from
to reduce Out-of-Pocket expenses

Hospital Insurance Plans

These plans are indemnities designed as financial protections to pay you fixed coverage benefits upon defined occurrences to reduce your out-of-pocket costs of deductible, coinsurance, and other expenses related to your hospitalization, surgery, health emergencies and help you pay for other incidentals. You can buy these plans standalone (a-la-carte) or preferably with your main medical health insurance plan (either Short Term Medical or a Major Medical plan). The plans are offered by The IHC Group and are a part of your sign-up process for Short Term Medical plan as add-ons.  These plans are based on incidence of admission in hospital and days of stays. Indemnity coverage is paid upon proof of hospitalization. There are two types of plans characterized as follows:

 

Independence Hospital Insurance

There are three choices of the fixed lump sum payment per instance of inpatient or outpatient surgical service once a calendar year with other benefits as follows:

  • Hospital 30: Has $3,000 per instance of hospitalization, $3,000 per calendar year for outpatient patience surgical services, and plus $100 per day for hospital stay up to 31 days per calendar year, with annual maximum of $10,000.
  • Hospital 45: Has $4,500 per instance of hospitalization, $4,500 per calendar year for outpatient patience surgical services, and plus $100 per day for hospital stay up to 31 days per calendar year,  with annual maximum of $15,000.
  • Hospital 60: Has $6,000 per instance of hospitalization, $6,000 per calendar year for outpatient patience surgical services, and plus $100 per day for hospital stay up to 31 days per calendar year, with annual maximum of $15,000.

For details, see this brochure.

 

Independence Hospital Insurance Plus

There are three choices of the fixed lump sum payment per instance of inpatient or outpatient surgical service once a calendar year with other benefits as follows:

  • Hospital Plus 20: Has lump sum benefit of $1,000 per instance of hospitalization, $2,000 per calendar year for outpatient patience surgical services, $2,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
  • Hospital Plus 30: Has lump sum benefit of $1,500 per instance of hospitalization, $3,000 per calendar year for outpatient patience surgical services, $3,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
  • Hospital Plus 40: Has lump sum benefit of $2,000 per instance of hospitalization, $4,000 per calendar year for outpatient patience surgical services, $4,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
  • Additional Benefits : These are additional benefits to all three choices of plans above.

For details, see this brochure

 

Effect of Hospital Insurance on Out-of-Pocket Expenses

The main insurance plan will have Maximum Out-of-Pocket amount to protect financial commitment in the event of inpatient hospitalization and treatment. This is first layer of financial protection. However, depending on the plan you have, it can be substantial, and for most people, it may mean indebtedness to bear with.

This effect of hospital insurance  can best be illustrated  here as an example showing effect of adding a supplemental medical plan of hospital insurance to the basic ACA or Short Term Medical plan that pays $1,000 per day of hospitalization.   

 

Eligibility

Applicant must be between 18 years to 64.5 years of age, and permanent or legal resident of the United States. Eligible dependents includes you lawful spouse/domestic partner under age of 64.5, and children up to age 26 are eligible.  It is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

Healthcare Providers

These plans come with nationwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses. It is significant to use providers in the networks to get discounted services and processing of your medical claims the Insurance. Reach out to following network of providers to search for providers. Since participation in networks in dynamic, do call to check and verify for appointments.

I want to sign up. How should I go about?

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Open Quote and Sign up here Quote and Sign up here

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Enter data on the form and See Quotes. Click on tab Hospital Insurance.

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Select one of the three plans, either from  Independence Hospital Insurance, or Independence Hospital Insurance Plus.

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You may compare up to three policies by checking Compare boxes and then click on orange button Compare to see comparative benefits.

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Click on orange button Select for the plan you want to sign up, and following the screen.

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You may add other options available to this plan, and then click on orange button Begin Application. Follow the screens to sign up.

I just signed up. Now What?

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Check your email coming from www.Loomisco.com, and follow instructions.

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Create membership account. Open detail instructions on how to create and look into membership account.

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Download PDF copy of membership card. Request for a plastic Membership ID card in membership portal.

I’m a policyholder. I need help!

Customer Service is provided by third party, Loomis Company

For help:

866-473-6615

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?

Call us at 407-792-6060 or leave message below.
We’ll get back to you within 24 hours.


 

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Licensed in FL, TX, VA | NPN: 8652757