IHC GroupIndependence Holding CompanyHome      ProductsStop-lossDental/vision                   Short termSupplemental insuranceCritical illness  Fixed indemnityHospital/surgical                                  Rx card                  Group lifeMilitary/federal                 Health savings accountPet insuranceCorporateCompaniesAboutMediaContactCareersConsumersConsumersProductsWellnessShop onlineContact an agentProducersProducersProductsGet contractedLogin to your accountInvestorsInvestor information 2015 CEO's Letter to Stockholders                            2015 Annual Meeting of Stockholders 2015 Investor PresentationThis is where the rotating banner will goWho We AreFor over 30 years, the member companies of The IHC Group have provided health, life,disability, dental, vision, limited benefit, hospital indemnity and medical stop-lossinsurance solutions to individuals and groups.Through product innovation and committed relationships with our policyholders, wehave built a strong, successful insurance organization. Each insurance carrier inThe IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company,Inc. You can view each carrier's A.M. Best rating analysis on our Companies page.
Look around. Learn why we serve more than 1 million Americans.
Our products
Employer stop-loss        
Protect your self-funded group health plan from catastrophic claims. IHC is one of the nation’s largest providers of insurance products that allow self-insured employers to manage the risk of excessive health insurance exposures by limiting aggregate and specific losses to a predetermined amount.
Dental and vision
Individual and group dental plans are a low cost option for someone looking to supplement
their major medical coverage or offer employees a value-added benefit. Plans provided
by The IHC Group offer the DenteMax and OrthoCare orthodontist networks for dental,
and an extensive network for vision benefits, including Sam’s Club.
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Short term medical
Short term medical (STM) plans offer a quick, temporary solution when a life transition
leaves you uninsured. Plans are available online and are active within 24-hours
of applying. STM coverage usually lasts for as few as 30 days or as many as six
months.
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Supplemental insurance
Health insurance deductibles and out-of-pocket costs can take a toll on your savings
should an unexpected medical event occur to you or someone in your family. Metal
Gap plans are bundled insurance benefits that can cover the cost of your deductible
should an accident, critical illness or hospital confinement take place, reducing
the burden and stress from your wallet. Shop online »
Critical illness
It’s cash when you need it. Critical Illness Health Insurance from The IHC Group
pays you a lump sum cash benefit when a covered medical condition is diagnosed.
You choose how to spend the money, whether for lost income, mortgage or child care
payments.
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Fixed indemnity
For those w