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| 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.