Welcome!
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
• $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
New Generations Portfolio Overview
Insured by Standard Security Life Rated A- Excellent by A.M. Best
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
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
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%
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%
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%
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
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%
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%
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
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
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.
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
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
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®
Extend coverage with our optional benefits.
• Secure DentalOne• EyeMed Vision Care• Supplemental
accident coverage• Life insurance• 24-hour
occupationalcoverage
• 18-month rate guarantee
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
Questions?
Let’s See if you Qualify
Open Quote EZ Desktop Software now
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