Independence American Insurance Company, Inc. (IAIC)

BEN-E-LECT is pleased to announce the arrival of it's newest, custom built plans.  These high deductible health plans were created specifically for use with HRA and MERP plans and provides ultimate flexibility in creating and designing the plan under the high deductible.

BEN-E-LECT's alliance with The IHC carriers brings many advantages for our employer groups and broker partners; a level of benefits that is tough to beat with efficient plan administration and competitive, stable pricing.  The success of our alliance is grounded in the values we share:

• A focus on delivering high-quality, high value employee benefit plans backed by superior service.
• A commitment to excellence.
• A tradition of integrity, stability and innovation.

Together with The IHC carriers, we will continue to draw on our years of experience to anticipate changing needs and provide coverage options of unsurpassed quality.  Here are only a few of the benefits of the major medical insurance plans designed exlusively for BEN-E-LECT employer groups and broker partners.

1) Member carries only one ID card.

2) BEN-E-LECT provides 100% of the administration including administration of the major medical insurance plan on behalf of the carrier to include underwriting, claims processing and customer service.

3) Traditional, fair and smart underwriting.  Our goal is to properly underwrite each case for RAF and administration fee to stabilize rates.

Our underwriting goal is to reduce the "feast or famine" and "peaks and valleys" so common with a non-traditional underwriting process.