IHCRS Organ Transplant Solution IHCRS Powered by Cigna LifeSOURCE Transplant Network® is pleased to introduce our Organ Transplant Solution. Features of the Program • May be offered as a stand alone product or in conjunction with your IHCRS stop-loss policy • Choice between in network coverage only or you may include a limited out-of-network benefit • No pre-existing limitations if underwritten in conjunction with your IHCRS stop-loss policy • Specific deductibles range from $0 - $50,000 Covered Transplants • Single Organ: Heart, Intestine, Kidney, Liver - Live or Deceased, Lung - Single or Double, Pancreas • Multiple Organ: Heart-Kidney, Heart-Lung, Intestine-Other, Kidney-Liver, Kidney-Pancreas, Other non-Experimental • Bone Marrow: Allogenic-related or unrelated; Autologous Benefit Period • Single or Multiple Solid Organ - 7 days prior to Transplantation through 365 days following Transplantation • Bone Marrow - 7 days prior to Bone Marrow Infusion through 365 days following Infusion Specifications • To provide a quote, we will need the group census, effective date, specific deductible and whether coverage is to be in network only • Specific transplant wording must be incorporated in the plan document • 10% Commissions Please contact your Regional Sales Executive for additional information. Trusted Partners, Ensuring Your Success! www.ihcrisksolutions.com IHC Risk Solutions is a member of the IHC Group, an insurance organization composed of Independence Holding Company (NYSE:IHC) and its operating subsidiaries. Coverage underwritten by Standard Security Life Insurance Company of New York, also a member of the IHC Group. IHCRS-OTS 4.2015