Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the...
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![Page 1: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/1.jpg)
Welcome!
![Page 2: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/2.jpg)
Who is IAC?• Established 1978 • Member of the IHC Group since 2006• Specializing in the development,
marketing and administration of fully insured health plans
• Leader in forward-thinking plan designs
• Reliable claims payment history
www.iacusa.com
![Page 3: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/3.jpg)
• $1.3 billion in assets• 1 million customers• Three carriers rated “A-”
(Excellent)by A.M. Best
• NYSE: IHC
More than 25 years of life, health and stop-loss insurance experience
www.ihcgroup.com
![Page 4: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/4.jpg)
New Generations Portfolio Overview
Insured by Standard Security Life Rated A- Excellent by A.M. Best
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Offering the coverage you
deserve.• Variety of plans
• Affordable, flexible plan options
• Choice of prescription drug benefits
• $1 million calendar year and $5 million lifetime maximums
• More than 70 PPO networks
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Deluxe Plan
• $40 office visit copay • Deductibles range from $1,000 to
$25,000• 50%, 70% or 80% coinsurance• Out-of-pocket maximum ranges
from $2,000 to $10,000
For individuals looking for traditional, comprehensive coverage
![Page 7: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/7.jpg)
Advantage Plan
• $40 office visit copay • Deductibles range from $1,000 to
$25,000• 80% coinsurance• Two separate out-of-pocket
maximums• $3,000 for medical services and supplies • $6,000 for surgery and hospitalization
An affordable alternative to the Deluxe Plan that offers lower premiums without sacrificing benefits
Save 38%
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Premier Plan
• $40 office visit copay • $4,000 or 8,000 out-of-pocket
maximum• $250, $500 or $1,000 daily
deductible• 100% coinsurance after the
daily deductible is met!
A smart health plan designed to keep premiums low without exposing clients to high deductibles
Save 18 - 50%
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Copay Plan
• $500 or $1,000 deductible• Once the in-network deductible is
met, all covered services are covered by copays
• $4,000 or $8,000 out-of-pocket maximum• Inpatient surgical services and
confinement copay of $500 is per day, and is the only copay that applies to the out-of-pocket maximum
An affordable plan for clients that prefer the predictability of copays
Save 10 - 20%
![Page 10: Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.](https://reader036.fdocuments.us/reader036/viewer/2022070406/56649e0e5503460f94af83b5/html5/thumbnails/10.jpg)
Value Plan
• Deductibles range from $2,500 to $25,000
• 80% coinsurance• $6,000 out-of-pocket maximum
Peace-of-mind coverage with maximum affordability
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Value Plan
• Maximum limitations on some services:• $40 office visit copay, limit 2 visits per year• $40 Dx lab or x-ray copay, limit 2 per year• $20,000 calendar-year maximum
for outpatient surgery • $500 calendar-year maximum for outpatient
diagnostic imaging• Mental/nervous/chemical dependency
benefits• Chiropractic care• Ambulance
Peace-of-mind coverage with maximum affordability
Save 52%
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High Deductible Health Plan
• Individual deductibles range from $1,800 to $5,250
• Family deductibles range from $3,600 to $10,500
• Coinsurance options of 100% or 80%• Out-of-pocket max for the 80%
coinsurance option is $5,250 individual, $10,500 family
A consumer-directed health plan that offers the opportunity to invest in a health savings account (HSA)
Save 22 - 50%
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The Individual Can Choose An HSA With IAC’s Vendor OR Can
Choose Their Own HSA Provider.
American Health Value is IAC’s HSA provider.
Learn more about them atwww.americanhealthvalue.com
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You Choose an affordable prescription drug option!
Option 1 Option 2 Option 3Discount drug program Rx applies to deductible
and coinsuranceGeneric: $30 copay
Formulary, non-formulary and specialty drugs available with discount card
Option 4 Option 5 Option 6Generic: $30 copay
Formulary, non-formulary and specialty drugs subject to the deductible and coinsurance
Generic: $30 copay
$500 Rx ded.Formulary: $50Non-formulary: $75Specialty: $100
Generic: $30 copay
$1,000 Rx ded.
Formulary: $50
Non-formulary: $75
Specialty: $100
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When should plan participants use TelaDoc?
• When the primary care physician is not available
• For non-emergency medical issues, questions or concerns
• Prescription refills • Short-term, limited refills only• No DEA-controlled substances
• When the participant is traveling and needs medical care
TelaDoc is a convenient and economical way for participants to
receive routine medical care.
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Preventive care is included with every IAC
Health Plan• 100% coverage, not subject to
deductible & coinsurance:• Routine cervical cytological screening
(Pap)• Mammography
• Subject to deductible & coinsurance:• Prostate and colorectal cancer screening • Child-wellness screening
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Improve access to preventive care with an optional wellness
benefit.• 100% benefit up to $250 or $500
• Per insured per calendar year at in-network providers
• No waiting period!
• Includes:• Routine physical exams and diagnostic
testing• Well-child screening • Prostate cancer screening• Colorectal cancer screening• Flu shots
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IAC Personal Health Plans cover more than just the
basics.• Optum® 24-Hour NurseLine• Wellsource® Personal Wellness
Profile™
• Access to the ASH Network™ of naturopaths, dieticians, chiropractors and alternative health providers
• LabOne Select®
• MyHealthCompass.com®
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Extend coverage with our optional benefits.
• Secure DentalOne• EyeMed Vision Care• Supplemental
accident coverage• Life insurance• 24-hour
occupationalcoverage
• 18-month rate guarantee
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You have 24/7 online access to your health
plan.• View claim payment
status • View EOBs• Request a new ID card • Request certificate of
creditable coverage• Submit name changes • Links to value-added
health plan services
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Questions?
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