You can bundle insurance plans underwritten by Golden Rule Insurance Company and Independence American Insurance Company (IAIC) to help fill gaps in coverage or address health insurance needs that aren’t met by your main medical insurance.
Avoid holes in your health coverage … and your smile
Help with major medical gaps
Popular products that round out health insurance coverage
Plan for the unexpected and the routine
Bundle insurance plans to complete your health insurance coverage today.
1 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
2 THIS PLAN PROVIDES LIMITED BENEFITS. 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 for 2018.
3 Primary insured must be 18 years of age or older.
Short Term Medical, Health ProtectorGuard, Dental, Vision and Accident plans are underwritten by Golden Rule insurance Company.
Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other’s contractual or financial obligations.
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.