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      Sample Savings Chart
      PPO and Indemnity Plan Differences
      Plan Name IHC Bay IHC Ridge (3) IHC Apex
      Plan Type PPO (1) Indemnity (4) PPO (1)
      Preventive Care
      Coinsurance
      100% 80% 100%
      Waiting periods Immediate Immediate Immediate
      Diagnostic Care
      Coinsurance
      100% 60% 80%
      Waiting periods Immediate Immediate 6-Months
      Basic Care
      Coinsurance
      50% 40% 80%
      Waiting periods 6-Months 3-Months 6-Months
      Major Care
      Coinsurance
      Not Covered (2) 20% 50%
      Waiting periods NA 15-Months 12-Months
      Annual Maximums $1,000 $500/$750/$1,000** $1,000
      Deductible $50 $100 Lifetime $100
      Office Copay NA NA NA
      One Time Enrollment Fee NA NA NA
      Association Membership Yes Yes Yes

      ** 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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