Hospital and Surgical Indemnity
Millions of Americans are finding that traditional health insurance plans are too costly or that they are paying high premiums for protection that does not meet their needs.
For individuals and families looking for extra protection, Independence American offers hospital and surgical indemnity, which pays a fixed benefit amount to protect against the unexpected costs associated with accident or illness. Choose from a variety of plans with varying level of benefits for inpatient and outpatient surgeries, hospital confinement, maternity, chemotherapy and radiation services, as well as preventive wellness and critical illness coverage.
Temporary Health Insurance
Independence American offers short term medical solutions to individuals with temporary insurance needs, and is one of the largest writers of 30 to 364-day temporary insurance products in the United States. Nearly all applications are issued online.
Among the typical purchasers of short term products are self-employed professionals, recent college graduates and students needing coverage while in college, persons between jobs, employed individuals not currently eligible for group insurance, and others who need insurance for a specified period of time.
Individual Dental Insurance
Independence American offers individuals and group dental plans. With aggressive rates, plan flexibility and private label opportunities, our dental products are among the most competitive on the market today.
The dental portfolio includes indemnity and PPO plans for employer groups of two or more lives and for individuals within affinity groups. Employer plans are offered on both employer paid and employee voluntary basis.
Pet insurance is quickly becoming one of the most popular coverages for those looking to have accident and illness insurance to cover their cat or dog. This financial protection also offers routine care coverage and alternative medicine coverage. Underwritten by Independence American Insurance Company, coverage is currently offered exclusively through Pets Best Insurance.