Welcome!

Who is IAC?• Established 1978 • Member of the IHC Group since 2006• Specializing in the development,

marketing and administration of fully insured health plans

• Leader in forward-thinking plan designs

• Reliable claims payment history

www.iacusa.com

• $1.3 billion in assets• 1 million customers• Three carriers rated “A-”

(Excellent)by A.M. Best

• NYSE: IHC

More than 25 years of life, health and stop-loss insurance experience

www.ihcgroup.com

New Generations Portfolio Overview

Insured by Standard Security Life Rated A- Excellent by A.M. Best

Offering the coverage you

deserve.• Variety of plans

• Affordable, flexible plan options

• Choice of prescription drug benefits

• $1 million calendar year and $5 million lifetime maximums

• More than 70 PPO networks

Deluxe Plan

• $40 office visit copay • Deductibles range from $1,000 to

$25,000• 50%, 70% or 80% coinsurance• Out-of-pocket maximum ranges

from $2,000 to $10,000

For individuals looking for traditional, comprehensive coverage

Advantage Plan

• $40 office visit copay • Deductibles range from $1,000 to

$25,000• 80% coinsurance• Two separate out-of-pocket

maximums• $3,000 for medical services and supplies • $6,000 for surgery and hospitalization

An affordable alternative to the Deluxe Plan that offers lower premiums without sacrificing benefits

Save 38%

Premier Plan

• $40 office visit copay • $4,000 or 8,000 out-of-pocket

maximum• $250, $500 or $1,000 daily

deductible• 100% coinsurance after the

daily deductible is met!

A smart health plan designed to keep premiums low without exposing clients to high deductibles

Save 18 - 50%

Copay Plan

• $500 or $1,000 deductible• Once the in-network deductible is

met, all covered services are covered by copays

• $4,000 or $8,000 out-of-pocket maximum• Inpatient surgical services and

confinement copay of $500 is per day, and is the only copay that applies to the out-of-pocket maximum

An affordable plan for clients that prefer the predictability of copays

Save 10 - 20%

Value Plan

• Deductibles range from $2,500 to $25,000

• 80% coinsurance• $6,000 out-of-pocket maximum

Peace-of-mind coverage with maximum affordability

Value Plan

• Maximum limitations on some services:• $40 office visit copay, limit 2 visits per year• $40 Dx lab or x-ray copay, limit 2 per year• $20,000 calendar-year maximum

for outpatient surgery • $500 calendar-year maximum for outpatient

diagnostic imaging• Mental/nervous/chemical dependency

benefits• Chiropractic care• Ambulance

Peace-of-mind coverage with maximum affordability

Save 52%

High Deductible Health Plan

• Individual deductibles range from $1,800 to $5,250

• Family deductibles range from $3,600 to $10,500

• Coinsurance options of 100% or 80%• Out-of-pocket max for the 80%

coinsurance option is $5,250 individual, $10,500 family

A consumer-directed health plan that offers the opportunity to invest in a health savings account (HSA)

Save 22 - 50%

The Individual Can Choose An HSA With IAC’s Vendor OR Can

Choose Their Own HSA Provider.

American Health Value is IAC’s HSA provider.

Learn more about them atwww.americanhealthvalue.com

You Choose an affordable prescription drug option!

Option 1 Option 2 Option 3Discount drug program Rx applies to deductible

and coinsuranceGeneric: $30 copay

Formulary, non-formulary and specialty drugs available with discount card

Option 4 Option 5 Option 6Generic: $30 copay

Formulary, non-formulary and specialty drugs subject to the deductible and coinsurance

Generic: $30 copay

$500 Rx ded.Formulary: $50Non-formulary: $75Specialty: $100

Generic: $30 copay

$1,000 Rx ded.

Formulary: $50

Non-formulary: $75

Specialty: $100

When should plan participants use TelaDoc?

• When the primary care physician is not available

• For non-emergency medical issues, questions or concerns

• Prescription refills • Short-term, limited refills only• No DEA-controlled substances

• When the participant is traveling and needs medical care

TelaDoc is a convenient and economical way for participants to

receive routine medical care.

Preventive care is included with every IAC

Health Plan• 100% coverage, not subject to

deductible & coinsurance:• Routine cervical cytological screening

(Pap)• Mammography

• Subject to deductible & coinsurance:• Prostate and colorectal cancer screening • Child-wellness screening

Improve access to preventive care with an optional wellness

benefit.• 100% benefit up to $250 or $500

• Per insured per calendar year at in-network providers

• No waiting period!

• Includes:• Routine physical exams and diagnostic

testing• Well-child screening • Prostate cancer screening• Colorectal cancer screening• Flu shots

IAC Personal Health Plans cover more than just the

basics.• Optum® 24-Hour NurseLine• Wellsource® Personal Wellness

Profile™

• Access to the ASH Network™ of naturopaths, dieticians, chiropractors and alternative health providers

• LabOne Select®

• MyHealthCompass.com®

Extend coverage with our optional benefits.

• Secure DentalOne• EyeMed Vision Care• Supplemental

accident coverage• Life insurance• 24-hour

occupationalcoverage

• 18-month rate guarantee

You have 24/7 online access to your health

plan.• View claim payment

status • View EOBs• Request a new ID card • Request certificate of

creditable coverage• Submit name changes • Links to value-added

health plan services

Questions?

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