Sample Savings Chart
PPO and Indemnity Plan Differences
Plan NameIHC BayIHC Ridge (3)IHC Apex
Plan TypePPO (1)Indemnity (4)PPO (1)
Preventive Care
Coinsurance
100%80%100%
Waiting periodsImmediateImmediateImmediate
Diagnostic Care
Coinsurance
100%60%80%
Waiting periodsImmediateImmediate6-Months
Basic Care
Coinsurance
50%40%80%
Waiting periods6-Months3-Months6-Months
Major Care
Coinsurance
Not Covered (2)20%50%
Waiting periodsNA15-Months12-Months
Annual Maximums$1,000$500/$750/$1,000**$1,000
Deductible$50$100 Lifetime$100
Office CopayNANANA
One Time Enrollment FeeNANANA
Association MembershipYesYesYes

** IHC Ridge plan benefits increase each year for three years. After the third year, the plan levels off at a $1,000 calendar-year maximum. Underwritten by Madison National Life Insurance Company, Inc.. Read more>

Benefits vary between carriers. Refer to the plan details or request the certificate for further information.

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