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      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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