IHC Health Solutions - Individual and Family Major Medical

Wellness coverage
All four plans include first-dollar wellness benefits not subject to a waiting period. The calendar year benefit varies by plan from $200 up to $750 per covered person!

Critical illness
Available to the primary insured, critical illness coverage is automatically included with the M5, N2 and HSA5 plans at no additional charge.

First-dollar generic drug benefit
If an mPowerMed plan is selected with a prescription drug copay option, your client will have first-dollar benefits for all covered generic drugs.

Zero-dollar deductible option
With this option available on most mPowerMed plans, your client can bypass a deductible and have covered claims subject to the selected coinsurance level.

Features	M5	N2	L1	HSA5
Lifetime maximum	$5 million	$2 million	$1 million	$5 million
Calendar year maximum	$2 million	$1 million	$100,000, $20,000 for outpatient treatment, $1,000 for outpatient prescription drugs	$2 million
Physician office visit copay	Optional $35 copay; unlimited number of visits	Optional $35 copay; 3 visits per person, per calendar year	$40 copay; 3 visits per person, per calendar year	No copay
Deductible range	$0 - $20,000	$0 - $20,000	$0 - $5,000	$1,500 - $5,650 for individuals; $3,000 - $11,300 for families
Wellness benefit	$750	$375	$200	$750
Critical illness	$5,000	$2,500	No benefit	$5,000
Inpatient confinement copay	No	Yes, $500	Yes, $500	No
Home health care	Max of 35 visits	Max of 21 visits	Max of 15 visits	Max of 35 visits
Ambulance services	Same as any other illness	Same as any other illness	Max of $1,000 per person per calendar year	Same as any other illness

For PPO plans, benefits/features listed are for in-network charges. Out-of-network benefits differ from in-network benefits. This is a brief description of some important features of the coverage. The product is not available in all states and benefits may vary based on state of residence. Please refer to the product brochure (IHCHS 2000 0608) for additional information. For a full explanation of benefits, exclusions and limitations refer to the Certificate of Coverage (MNL GC 107). The mPowerMed plan is underwritten by Madison National Life Insurance Company, Inc.