Limited Medical Benefits

Affordable limited benefit medical guaranteed issue
Insurance for individuals and families.

Limited benefit medical may be the right choice for people who:

• Have been denied coverage by an individual major medical plan due to health or occupation.
• Need a plan with lower monthly premiums that offers day-to-day health care benefits and access to provider discounts.
• Would like a plan with first-dollar benefits to supplement a major medical plan with a higher deductible or coinsurance out-of-pocket.

Guaranteed issue – No medical exams or health history investigation at enrollment.
Valuable – Coverage for everyday health care as well as for the unexpected hospital confinement or surgery.
Affordable – Choose one of three plans, all with defined benefits that keep premiums lower and stable.
Portable – Since coverage is not purchased through an employer, a change in employment will not impact your Defined Solutions plan.

Limited benefit health insurance plans differ from comprehensive major medical insurance. With Defined Solutions your plan pays stated benefit amounts, such as $75 for a doctor office visit or $1,000 per day of hospital confinement. Provider charges in excess of the stated amounts are your responsibility. However, Defined Solutions gives you access to provider discounts through the MultiPlan PPO network.
While you have the flexibility to choose any provider, the discounts available through MultiPlan network providers help to lower your out-of-pocket costs. MultiPlan is one of the country’s largest independent PPO networks with more than 500,000 providers in 50 states. These providers have agreed to negotiated discounts, which are reflected in your final bill.
You can get a list of participating providers by visiting the MultiPlan Web site at www.multiplan.com or by calling MultiPlan’s customer service department at 888-342-7427.

Defined Solutions is underwritten by Companion Life Insurance Company. For full explanation of benefits, exclusions and limitations refer to the Certificate of Coverage. The IHC Group is an insurance organization composed of Independence Holding Company (NYSE: IHC) and its operating subsidiaries. The IHC Group has been providing life, health and stop loss insurance solutions for over 25 years. Companion Life is not a member of the IHC Group.

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