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What's the difference between IHC short-term plans?

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Ernie Harris
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Q: What's the difference between the IHC Bridge, Edge, and Net plans?

A: The biggest differences between the plans is (1) the maximum payout and (2) the coverage caps and (3) the doctor's networks. 

(1) Maximum payouts - Edge plans payout up to $1 million, while Bridge and Net plans have a $2 million

(2) Coverage caps - Edge and Bridge plans have more specific benefit limits for specific services (ie there's a cap on how much they'll pay for an ambulance on Edge and Bridge plans, while Net plans have no specific limit)

(3) Doctor's networks - Bridge and Edge plans are PPOs where you get a discount for going in-network, but you have the freedom to go anywhere and your deductible is the same in or out of network. Secure Net plans have a separate in- and out-of-network deductible, so you're encouraged to use an in-network provider to save costs. 

Check out this table below for a full comparison, and you can also download the individual plan guides below. 

Plan Designs Secure Edge Secure Bridge Secure Net
Office visit copay $50
1 copay for 30-90 days
2 copays for 91-180 days
3 copays for 181-364 days		 $50
1 copay for 30-90 days
2 copays for 91-180 days
3 copays for 181-364 days		 $50
1 copay for 30-90 days
2 copays for 91-180 days
3 copays for 181-364 days
Deductible $1,000
$2,500
$5,000
$7,500		 $1,000
$1,500
$2,500
$5,000
$7,500
$10,000		 In-Network:
$3,500
$5,000
$7,500
$10,000
Out-of-network deductible is two times the in-network deductible.
Coinsurance and out-of-pocket
(not including deductible)		 20% - $1,000, $2,000, $3,000,
$4,000
50% - $2,500, $5,000, $7,500,
$10,000		 20% - $1,000, $2,000, $3,000,
$4,000
30% - $1,500, $3,000, $4,500,
$6,000
50% - $2,500, $5,000, $7,500,
$10,000		 In-Network:
0%1 - $0
20% - $3,500, $5,000, $7,500, $10,000
30% - $3,500, $5,000, $7,500, $10,000
Out-of-network coinsurance is 50% and the out-of-pocket is two times the in- network out-of-pocket ($7,000 for 0%/$0).
Maximum benefit $1,000,000 $2,000,000 $2,000,000
Doctor administering anesthetics Up to 20% of the surgeon’s benefit 2 Up to 20% of the surgeon’s benefit No benefit-specific limit
Assistant surgeon Up to 20% of the surgeon’s benefit 2 Up to 20% of the surgeon’s benefit No benefit-specific limit
Surgeon’s assistant Up to 15% of the surgeon’s benefit 2 Up to 15% of the surgeon’s benefit No benefit-specific limit
Ambulance, ground or air services Up to $250 per occurrence Ground: Up to $500 per occurrence
Air: Up to $1,000 per occurrence		 No benefit-specific limit
Organ, tissue or bone marrow transplants Up to $150,000 per coverage period Up to $150,000 per coverage period Up to $150,000 per coverage period
Acquired Immune Deficiency Syndrome (AIDS) Up to $10,000 per coverage period Up to $10,000 per coverage period Up to $10,000 per coverage period
Emergency room Up to $500 per day No benefit-specific limit No benefit-specific limit
Outpatient hospital surgery or ambulatory surgical center Up to $1,000 per day No benefit-specific limit No benefit-specific limit
Hospital room, board and general nursing care The amount billed for semi- private room or 90% of the private room billed amount, up to $5,000 per day The amount billed for semi- private room or 90% of the private room billed amount The amount billed for semi-private room or 90% of the private room billed amount
Intensive care unit Three times the amount billed for a semi-private room or three times 90% of the private room billed amount, up to
$6,250 per day		 Three times the amount billed for a semi-private room or three times 90% of the private room billed amount Three times the amount billed for a semi- private room or three times 90% of the private room billed amount
Inpatient doctor visits Up to $500 per confinement No benefit-specific limit No benefit-specific limit
Includes one-time $25 enrollment fee

1 The $3,500 deductible is not available with the 0% in-network coinsurance selection.
2 These benefits are limited to $2,500 per surgery for all covered expenses combined, not to exceed $5,000 per coverage period. Benefits may vary by state.

 

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