Benefits for 1099 Individuals and Families

With insurance premiums on the rise and no end in sight, Apex Strategies offers a major medical health plan specifically for the Independent Contractor through IHA Health powered by Conquer.

IHA Health is a health care solution that give you, as a self-employed worker, exclusive access to an affordable ACA compliant group health plan. A health plan that is made entirely of healthy to moderately healthy people. The most sustainable way to keep premiums down each year.

ACA approved coverage that combines a fully insured indemnity plan with a 100 percent preventive care plan. The indemnity plan is designed to help you deal with covered medical expenses that includes, but not limited to, physician visits, emergency room visits, hospitalization, lab, x-ray and Rx Benefits. There are no co-pays or deductibles. This coverage is very affordable and satisfies the Individual Mandate.

IHA Members are provided two affordable coverage options that provide a network of over 400,000 dentists nationwide. No Waiting Period for Basic or Major Services. Preventive services not deducted from the annual maximum. Two Plan Options available:
• Low Plan = $1,000 Annual Benefits Maximum
• High Plan = $2,000 Annual Benefits Maximum

Partners with the VSP Choice Network providing over 29,000 doctors and 50,000 access points. Members’ coverage includes annual eye exams, lenses, frames, contacts and an average saving of 20-25 percent on out-of-pocket eye care services.

Provides guarantee issue up to $20,000 Lump Sum Benefit in the event of a heart attack, stroke, heart failure, invasive cancer, organ failure or kidney failure.

Contingent guarantee issue level premium 10 or 20 year term with policy limits up to $100,000. Additional benefits include: Family Coverage Option, Waiver of the premium if owner becomes disabled before age 65 and policy is renewed up to age 100 without having to provide evidence of good health.

Provides guarantee issue off the job accident benefit coverage including doctor, emergency room, hospital, physical therapy and follow-up. Designed to help cover expenses that your health plan may not fully cover such as deductible and co-pays.

IHA Health Plan Highlights 
Four (4) Comprehensive plans to choose from
National PPO Network- The PHCS/Multi-plan network
Rates are based on completion of a Health Questionnaire (Rate Tiers: Preferred, Preferred+, Standard & amp; Decline to Quote)
Same Rate for all ages (over 60 starts at Preferred+)
Telemedicine Included in all plans

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