Benefits Paid Directly to You

Set benefits paid
for covered expenses

Your Choice of Plans

Choice of plans
and options

Reduced healthcare costs

Reduced provider/hospital
rates available

Plans available all year

Plans available
year-round

Core Access Hospital and Doctor Insurance

Underwritten by Independence American Insurance Company (IAIC)

Your major health insurance most likely doesn’t cover all your out-of-pocket medical costs. Even after you’re enrolled, you might have...

  • A deductible to meet before your insurance covers any costs
  • A copay for certain services like a doctor office visit
  • A coinsurance rate, meaning you share some of the costs of your care with your insurance company

And if you don’t have major medical coverage, your out-of-pocket costs can be even higher. These expenses can add up or surprise you and your family at the most inconvenient times. That’s where Core Access plans can come in. Underwritten by Independence American Insurance Company (IAIC)1, these are a series of Hospital and Doctor fixed indemnity plans designed to pay you fixed benefit amounts for covered out-of-pocket medical expenses.2

Core Access plans pays benefits right away, as soon as you or the provider you assigned your benefits to submits a receipt for your expense.3

Core Access plans cover the “core” health care expenses you’re likely to have. Wellness and preventive care appointments, doctor office visits, outpatient procedures, hospital stays and more—for each of these services you use, Core Access plans pay a fixed cash payment. You can even choose a plan that pays a benefit for maternity expenses and prescriptions.

Let a Core Access plan help provide a financial boost toward paying those parts of your health care expenses you still have to pay.

You’re in Charge—Pick Your Plan, Benefit Level

Flexibility is a key feature of the Core Access series of Hospital and Doctor fixed indemnity plans. With four different plans featuring various benefit levels and covered services, you get to pick the plan that most closely fits your life and financial situation.

With Core Access plans

  • Reduce your premium by choosing a per injury or illness “deductible” (see sidebar).
  • Plans are available year-round. You don’t have to wait for an enrollment period.
  • Plans are renewable. You and your family won’t have a rate increase or be cancelled based solely on changes to your health.
  • Choose any doctor or hospital you want. You aren’t limited by a provider network.

Note: Core Access plans don’t restrict you to any network. However, if you choose to use a provider or facility included in the MultiPlan network, one of the largest independent PPO networks in the United States, you can receive the same negotiated discount rates on medical expenses members of that network receive. That translates into more savings for you.

When Is a Deductible Not a Deductible?

When you reduce your premium by choosing a deductible with a Core Access fixed indemnity plan, it’s not what you’re used to thinking of as a deductible. You’re not paying anything out-of-pocket. Instead, you’re agreeing to a benefit reduction of a certain amount.

For example, say you choose a Core Access plan with a $1,000 deductible. You have a surgical procedure that your plan benefits would ordinarily pay you $3,000 for. With the $1,000 deductible, that means you would receive $2,000 instead.

The Core Access “deductible” benefit reduction is one more way to customize a plan to fit what you need.

Rounding Out Coverage for You and Your Family

You can also purchase dental or vision insurance to round out your health insurance coverage.

Have More Questions about Hospital and Doctor Fixed Indemnity Insurance?

Visit FAQ Page Why Buy Indemnity Insurance? Hospital & Doctor Insurance Terms HSAs and Fixed Indemnity Insurance

1 The Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Independence American Insurance Company and UnitedHealthOne® are not affiliated and each entity is responsible for its own contractual and financial obligations.

2 This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

3 Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.
Independence American Insurance Company is a member of the IHC Group. IHC is the brand name for plans, products and services provided by subsidiaries and affiliate member companies of The IHC Group. UnitedHealthOne® is a brand name that represents a portfolio of insurance options for individuals and families.

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