Stephens-Matthews Marketing

It’s time to talk Fusion, an individual product unlike anything else on the market. Powerful and innovative, Fusion combines a fixed indemnity plan with short-term medical, resulting in first-dollar benefits as well as coverage for large claims.

Submit the form on the right
for more details!

A fixed-benefit indemnity plan with hospital surgical and critical illness insurance benefits

Submit the short form on the right for plan details, state availability and new agent contracting


You already know that short-term medical (STM) insurance from The IHC Group can provide valuable protection for your clients who are between Obamacare plans, but don’t forget about the easy-to-enroll ancillary plans we offer when you sell STM.

Ancillary products can round out temporary coverage and may provide an income stream for you even when your client transitions to an ACA plan. 

The Telemedicine package provides convenient, low-cost telephone and video consultations 24/7 from licensed, board certified physicians. 
Frame Dental offers three plan levels and access to one of the country’s best known and trusted dental networks. 
Rx Pay Card lets your client purchase hundreds of prescription drugs with a simple to understand copayment at participating pharmacies*.
Metal Gap bundles Accident Medical expense, Critical Illness, and a Hospital Confinement benefit into one package with no medical underwriting.

For information, new agent contracting and seminar registration, submit the short form below or email for seminar registration link.

About The IHC Group

Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

*Not an Insurance Product


Obamacare - Is your client exempt?

People with low incomes and individuals who meet certain conditions can receive an exemption from the Individual Mandate. That means they do not have to pay a penalty even though they do not have coverage. Some of the exemptions include:

  • Income below 100% of the federal poverty level
  • Coverage costs more than 8% of family income
  • Being without coverage for less than three months during the year
  • Religious reasons
  • Not living in the United States
  • In prison
  • Having a hardship waiver
Stephens-Matthews Marketing, Inc.

Obamacare Managing general agent
Medicare Supplement MGA
Affordable Care