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Have you ever avoided going to the doctor because you weren’t sure it was worth the medical bills? You’re not alone. According to a recent study released by Families USA, 1 in 4 Americans who were insured for a full year went without needed medical care because they could not afford it.1 Similarly, a recent Kaiser Family Foundation poll showed that 38 percent of non-group enrollees with ACA-compliant health insurance plans felt vulnerable to high medical bills.
The reality is that when consumers select health insurance plans with low monthly premiums—which are the most popular—they wind up with high deductibles and copays.2 Fortunately, there are ways individuals responsible for buying their own health insurance can round out their benefits and reduce their out-of-pocket exposure. Our latest video introduces three supplemental insurance products that can help.
It can be helpful to determine your overall health care needs and budget for any given year. Then, look at various product benefits to see which can help reduce what you pay out of pocket for health care. Get quotes and put together a benefits package that makes sense for you and your family.
If you have need help deciding what supplemental insurance plans are the right fit for you and your budget, call 888-839-7679 to speak with an IHC representative.
1Mitts, Lydia and Cheryl Fish-Parcham. “Special Report: Non-Group Health Insurance: Many Insured Americans with High Out-of-Pocket Costs Forego Needed Health Care.” Families USA. May 2015. http://familiesusa.org/sites/default/files/product_documents/ACA_HRMSurvey%20Urban-Report_final_web.pdf
2Burress, Jim. “Some Insured Patients Still Skip Care Because of High Costs.” Kaiser Health News. June 10, 2015. http://khn.org/news/some-insured-patients-still-skip-care-because-of-high-costs/
About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., 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.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.