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Independence American Health Insurance Company

A review of Independence American Health Insurance Company finds Independence American Insurance Company, a subsidiary of American Independence Corporation. Along with Madison National Life Insurance Company, Inc. and Standard Security Life Insurance Company of New York, Independence American is a member of the Independence Holding Company Group.

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This review will actually give an overview of the Independence Holding Company Group as a whole, since it offers its health and medical insurance products and policies through its member companies, such as Independence American Insurance and IHC Health Solutions. Independence Holding Company Group (IHCG) markets its health insurance to both employers and individuals. It also offers dental insurance.

Independence Holding Company Group History

IHCG began in 1980 and still has some of the same senior management executives as it did from the start. The company has grown through acquisitions over the years, including the purchases of marketing organizations, underwriting companies, and third-party administrators. Independence Holding Company has also acquired large blocks of life insurance and annuity policies from insurance companies looking to divest some of their assets.

IHCG has, among its owned properties:

  • Independence American Insurance Company
  • Madison National Life Insurance Company
  • Standard Security Life Insurance Company
  • IHC Risk Solutions
  • Actuarial Management Corporation
  • Hospital Bill Analysis
  • MedWatch LLC
  • IHC Health Solutions

In January 2010, IHC Health Solutions grew to include the operations of Health Plan Administrators, Inc. and GroupLink, Inc. and well as Insurers Administrative Corporation’s:

  • Sales
  • Underwriting
  • Marketing
  • Medical management
  • Program management teams

For the Independence Holding Company Group’s family of companies, IHC Health Solutions handles the:

  • Marketing and product development
  • Lead generation
  • Program management
  • Sales training

Independence Holding Company Group Contact Information

The Independence Holding Company Group is located in Connecticut at:

96 Cummings Point Road
Stamford, Connecticut 06902
Toll-free: 1-877-442-4467

Independence American is domiciled in Delaware and headquartered in New York. The company is located at:

485 Madison Avenue
New York, New York 10022
Phone: 212-355-4141

IHC Health Solutions is headquartered in Minnesota, and has several other offices around the U.S. Their addresses are:

8009 34th Ave. South, Suite 360
Bloomington, Minnesota 55425
Toll-free: 1-866-746-6610

2101 West Peoria Avenue, Suite 100
Phoenix, Arizona 85069

14497 N. Dale Mabry Highway, Suite 200
Tampa, Florida 33618-2047
Phone: 813-963-5300
Toll-free: 1-800-277-3323

523 Colman Center Drive
Rockford, Illinois 61132
Phone: 815-633-5800
Toll-free: 1-800-397-5800

4770 Lakehurst Court, Suite 135
Dublin, Ohio
Phone: 614-923-6920

If you are a policyholder with a question, call the phone number listed on the back of your policy ID card. If you need to file a claim, you can call the company toll-free at 1-800-843-3106.

Independence Holding Company Group Insurance Products

The Independence Holding Company Group specializes in personal consumer and small group employer-sponsored health plans, as well as:

  • Employer stop-loss
  • Vision
  • Dental
  • Short-term medical
  • Limited medical
  • Disability benefits coverage

Through its Madison National Life subsidiary, IHCG covers government employees and military members with life insurance and annuities.

IHCG’s individual medical policies are available to those that are self-employed or otherwise not covered by any employer plan. These insurance policies feature a selection of:

  • Traditional PPO
  • High deductible
  • Co-pay advantage
  • Healthcare savings account-funded plans

The company’s small group health insurance covers employers with two to 50 employees. Employers can choose from policies with high deductibles the can be funded by healthcare savings accounts or health reimbursement accounts, as well as policies with lower deductibles.

Independence Holding Company Group Careers

The website for IHC Health Solutions was the only one that offered a “Job Opportunities” tab, listing the job openings across its various offices. At the time of this review, there were four open positions, for a new business specialist, desktop support technician, new business processor, and agent-contracting specialist. The job requirements were very detailed, and three of the openings were in the company’s Phoenix office.

Although none of the company websites listed IHCG’s employee benefits, it can be assumed that it offers a generous benefits package, along the lines of its competitors in the insurance industry. This would include:

  • Life, health, and dental insurance
  • Disability coverage
  • Vision package and prescription drug plan
  • Paid holidays, sick days, and personal days

It might also include:

  • 401 (k) plan with partial company match
  • Flexible spending accounts for health care and child care
  • Wellness program
  • Employee service recognition
  • Professional development and training courses

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5 Comments to “Independence American Health Insurance Company”

  1. ashley says:

    “American Independence company has the worst customer service ever.

    Fredrick Dibbo one of the agents there is the rudest and arrogant person I ever meet. He was no help at all!”

  2. Jane Stephens says:

    They were great when I had a heart attack and paid claims in a timely manner, and my doctors were all available in the network

  3. Deborah Truempy says:

    Jane Stephens that’s an outright lie. You must work for them

  4. Barbara Donovan says:

    “How in the world did you guys ever get in touch with this group of bozos? I purchased a policy, the
    money came out of my account, and I have yet get a policy or card. Calls are put on hold and the wait time is like 16 hours.

    It has been right at a month since I ventured into the IHC wilderness. Suggestions?

    P.S. I had to rate on things I don’t have info on.”




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