• A.M. Best rates them A+ (Superior)
• Standard & Poor’s AA+ (Excellent)
• Based out of Columbus, Ohio
• One of the largest property-casualty insurers in the U.S.
• Fifth largest auto insurer in the U.S.
• Modern Claims Payment facilities

• Comprehensive coverage in urban and rural markets eliminates the "patchwork" approach
• Wide-ranging access and provider availability meets employers’ needs for inpatient and outpatient services
• Flexible repricing solutions, including remote pricing and electronic submission, streamlining administration
• Outstanding customer service consistently supports clients, members and providers

• A.M. Best rates them A (Excellent) for over 25 years
• Standard & Poor’s AA+ (Excellent)
• Based out of New York, New York
• Independence Holding Company is listed on the New York Stock Exchange (NYSE:IHC)
• Licensed to do business in 50 states and some US Territories
• Quality Claims Payment facilities

Beech Street Physician Visit and Hospital Network - Beech Street is a Preferred Provider Organization (PPO) in 39 states and the District of Columbia. A PPO contracts with Hospitals and Physicians to receive discounts on medical expenses. You may be eligible to receive these discounts if you receive services from one of these providers.

The Network is effective and easy to use. To locate a Beech Street provider in your area, call the toll-free number 800-877-1444, or log onto their website at www.beechstreet.com . You should call the provider and confirm that they currently participate in the Beech Street network. When you arrive at the providers office show them your ID card with the Beech Street logo.

This network is not available in the states of Arkansas, Iowa, Idaho, Louisiana, Mississippi, Montana, Nebraska, Utah, Washington, Wisconsin and West Virginia.

Members retain the ability to choose any doctor they wish and have those claims assigned. All benefits will pay as specified in the benefit provisions of the policy regardless of the provider chosen.

New Benefits has been recognized as the pioneer in the discount health card industry. With healthcare costs skyrocketing in the early 1990s, a demand for a broader array of discount healthcare products arose. Answering the call, New Benefits enhanced its portfolio and today presents more than 40 health and lifestyle benefits.

In addition to the most robust package of meaningful products and services, New Benefits is also renowned for its technological advancements in fulfillment processing.