The IHC Group Insurance Review & Complaints: Health, Dental, Vision & Life Insurance

The IHC Group provides a wide range of insurance products, from dental and vision to supplemental healthcare, and a few state-specific plans for New York and Texas. The reviews are mostly negative, with customers having insurance policies canceled without reason. The IHC Group companies operate independently, so it's important to look at each company's reputation.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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The IHC Group

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The IHC Group is a group of insurance companies offering supplemental health insurance, dental, vision, life insurance, and other products across the nation. Each company in the group serves a different market, meaning the available products vary from state to state.

This IHC Group review will look at the variety of plans that the company offers as well as how they hold up in customer reviews.

Before you decide whether or not to buy IHC Group Insurance, compare your options.

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What is The IHC Group?

Independence Holding Company (IHC) is a holding company that has been offering a range of products to individuals through subsidiary companies since 1980. IHC’s subsidiary companies are:

  • Standard Security Life Insurance Company of New York
  • Madison National Life Insurance Company, Inc.
  • Independence American Life Insurance Company
  • IHC Specialty Benefits
  • Healthinsurance.org
  • PetPartners
  • IHC Carrier Solutions
  • Cook & Company Insurance Services

Through these companies, IHC writes short-term and supplemental health, dental, vision, life, and pet insurance policies. Products are sold through agents across the nation, and availability varies based on location. Some products are also sold online.

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What Types of Insurance Products Are Offered?

As previously mentioned, not all policies and level of coverages are available in all states, and they may be offered through any one of the subsidiary companies. Plan details are not offered on the website, but instead, a link redirects to healthedeals.com, which is owned by IHC. From there, individuals can shop for plans.

What is IHC Dental and Vision?

IHC offers both individual and group dental and vision plans. These PPO plans are offered either separately or as a bundle.

Is IHC Short Term Medical Offered?

IHC offers short-term medical coverage plans to fill gaps in coverage. Plans can be from 30-90 days in term length.

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What IHC Supplemental Health Plans are Available?

IHC offers a selection of supplemental health insurance plans to cover costs not paid for under standard health insurance. These include:

  • Gap plans to pay for deductibles and out-of-pocket costs
  • Critical Illness insurance, a lump sum policy to be used at the policyholder’s discretion in the event of a serious diagnosis
  • Hospital and Surgical Indemnity, which covers hospital and other costs related to inpatient and outpatient hospitalizations
  • Rx Pay Card, covering out-of-pocket prescription costs
  • Telemedicine services

Supplemental health coverages for individuals as well as through employers in the form of voluntary benefits.

Is IHC Group Life and Disability offered?

IHC does not list any individual life or term disability insurance products but does list group benefits in this category. These may be employer-funded or voluntary benefits that can be elected by employees.

Can you get IHC Pet Insurance?

In 2017, IHC acquired PetPartners, a company that offers pet health insurance. These policies help cover the cost of veterinary bills for pets including cats and dogs.

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What about State-Specific Coverage?

IHC has a few products that are specific to states to meet particular legal requirements for employers. These include New York Disability Benefits Law coverage, Occupational Accidental Death and Employer Liability in Texas, and Injury On Duty coverage in the state of Massachusetts.

Are IHC Group Rates Reasonable?

IHC Group quotes can be obtained for most products on their healthedeals.com website. Since none of the products IHC offers are those we commonly use for rate comparisons, the rates returned on our quick quote are provided here only for informational purposes.

We ran a quote for dental plans and vision coverage for a single, 30-year-old male in California. A number of quotes were returned, starting at $18.20 a month for dental-only, and $29.96 a month for a bundled vision for individuals and dental plans.

The quoting system is easy to use and does not require much in the way of personal information.

How Are Insurance Claims Handled?

IHC’s website does not offer claim information, likely because claims are handled by the individual subsidiary companies through which the policy was issued, and claim information varies from company to company. Policyholders should be provided with the correct contact information or can locate it on the specific company website. Your IHC Group login is likely found on the company page as well.

The lack of claims information is not an uncommon practice for a holding company such as IHC, but it would be beneficial for customers to see a list of claims department contacts for each company on the main site. There is a general IHC group address as well as the IHC Group phone number on the site.

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Are the Company’s Ratings and Consumer Reviews Positive?

It is difficult to gather a clear picture for an insurance group like IHC since the experience with each of the underlying companies will vary. We recommend reading IHC Group reviews for the specific company with which the policy is issued.

There is no single Better Business Bureau (BBB) page for the IHC Group, and again, each company will have its own individual rating. When searching for ratings, we did find a lot under the name IHC Health Solutions, which is not a name that appears on the current IHC company list but does appear to be the same company. The name seems to refer to the short-term medical plans offered by IHC.

There are 56 reviews of IHC Health Solutions on Consumer Affairs, all of which are negative. Many of the complaints refer to refusal to pay claims and there are several complaints of policies being canceled without notice.

The six reviews of IHC Health Solutions on Pissed Consumer cite similar problems. While the complaint volume here is not high, the repeat of the same complaints is of concern.

IHC Group employee reviews are mixed, with an overall 3.8 stars on Glassdoor.

What’s the Bottom Line?

Since IHC Group is, in fact, the holding company for several underlying companies, it is vital to learn more about the specific company that will be writing your policy before you purchase. IHC Health Solutions, which appears to be the short-term medical branch, in particular, has some issues of concern that are repeated in the complaints. If you are in the market for this particular product, be sure and do your homework and compare companies and their reviews and complaints thoroughly before committing.

Even if you find affordable insurance rates, compare other companies to be sure it’s the right choice.

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Are you looking for free insurance quotes?

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