Accident Medical Expense Plans
Lower your out of pocket expenses with Accident Expense Plans
Affordable Accident and Critical Illness Coverage
Why Consider a Accident Expense Plan?
With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and loss of income. Accident Expense and Critical Illness coverage can pay your deductible and out of pocket expenses. Many options to choose from to fit your needs.
Metal GAP Coverage by IHC
With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and co-payments. Metal Gap, The IHC Group’s supplemental insurance product, helps you manage these costs.
Affordable and guarantee issue–meaning you cannot be denied for it, regardless of your health history–Metal Gap provides a lump-sum payment when a covered critical illness or an accident occurs.
The payment is sent directly to you. You can use it to cover out-of-pocket expenses, prescriptions, living expenses such as mortgage or car payments, lost wages and other costs. Choose Accident Expense limits up to $6,500 and Critical Illness limits of $7,500.
Metal Gap is underwritten by Madison National Life Insurance Company.
Premier Benefits Coverage
If you have chosen a higher deductible health insurance plan, you may want additional benefits that help fund your out-of-pocket costs in the event of a major claim. With Premier Benefits, you have access to bundled insurance benefits available which include:
- Critical illness up to $10,000
- Accident medical expense insurance up to $10,000
- $10,000 in Term life Insurance coverage
- Accident death and dismemberment up to $10,000
- $1,000 in Accident disability income insurance
Affordable single and family rates starting at $24.95/month
Critical Illness Insurance by IHC
- Cash when you need it
Critical illness insurance 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.
- Benefits for serious conditions
Includes cancer, heart attack, stroke, major organ failure, coronary bypass, angioplasty, coma, paralysis and severe burn
- Higher benefit levels
Benefits options range from $20,000 to $50,000 for primary insured and spouse, with a $10,000 option for children.
Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate over a dozen insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental and travel insurance quotes, combined with insurance information and decision-making tools.
We have been online for over 20 years and a A+ rated member of the Better Business Bureau since 2001.
Licensed in 46 states, we offer a variety of health plans including: Short Term Medical insurance, Affordable Care Act Plans, dental insurance, discount dental plans, international medical insurance, Supplemental coverage and more.
The carriers we represent include: The IHC Group, Standard Security Life Insurance Company, Madison National Life, Aetna, National General and NHIC and many more.
About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.
This provides a very brief description of some of the features of the insurance plans we offer. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in Individual Policy.
All of the supplement plans listed on this page can be used with other coverage or stand alone.
The Accident Medical plans and the Critical illness plans pay you directly. Designed to lower your out of pocket expenses for any other coverage you might have.
These plans are a good choice if you have a high deductible plan.
The supplemental plans do not have a limited duration. You can keep your plan as long as needed or cancel at any time.
Your coverage can begin as early as the day after you apply or the first of the month following the date you apply.
No Out-of-Network Penalties
Accidental Medical and Critical Illness plans are considered indemnity plans - meaning they pay a specific dollar amount based on the type of illness or accident. The amount the plan pays has not bearing on what doctor or hospital you use.
Free Discount Plans
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