Ancillary & Dental/Vision
Why get contracted with iHealth Agency?
Independent Health Agents supplies you with all the tools you need to be a successful health broker. Whether you are selling health insurance for the first time or have been doing it for years, we’ll be here to help you every step of the way.
We provide you with a one-stop quoting and enrollment platform. We’ll give you your own custom site to quote on- and off-exchange, add sub-agents, and enroll your clients. We’ll submit applications directly to carriers you’re already appointed with.
Don’t see a carrier listed? Email [email protected] and we’ll see what we can do. Our agency is licensed in 46 states, with agents in every corner of the country.
What are Ancillary benefits?
Ancillary benefits are a secondary type of health insurance coverage that covers miscellaneous medical expenses that are incurred during a stay at the hospital. Ancillary benefits can include dental insurance, vision plans, life insurance, and personalized benefits.
To get started, click on the button below and fill out accordingly. Here is where you will choose which carriers you would like to be appointed with, along with custom website information should you choose to have one built for yourself.
Please note certain carriers have “self service” contracting where you have the option to fill in/send in paperwork yourself. Feel free to choose this option, or fill out the form and we can handle this for you!
Self Enrollment & Commission Information
Ameritas Dental & Vision
Complete Online: Ameritas Online Contracting
Year 1: 30%
Years 2+: 2%
Delta Dental offers some of the best dental plans with no age limits. Some plans are sold on the marketplace and are commissionable if you are appointed. Some plans include orthodontia benefits for children.
Complete Online: Delta Dental – Online Contracting
Year 1: 10%
Years 2+: 7%
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Please fill out this online form.
Please fill out this online form.
IMG Global – International Travel Insurance
Online Contracting: IMG Online Contracting
Protecting your clients from medical risks while they’re traveling or living abroad gives you the opportunity to easily add another income stream to your business. International Medical Group® (IMG®) offers a full suite of international medical insurance products, and provides the built-in producer support and resources you need to be successful.
Here are a few other reasons why producers like working with IMG:
- Easy to offer the international products with customized online links.
- IMG provides personalized support to help you grow your business.
- Multilingual consumer material and support for growing niche markets.
- Learn why your clients should never leave home without international medical insurance:
- IMG Travel Insurance Products: 15%
Online Contracting: ManhattanLife
- Manhattan Life Insurance Products: 40%
- Bonuses: Bonuses vary from year to year. Once you are appointed with a carrier all the bonus schedules will become available to you. The commission also varies by state, but IHA pays out top commissions for all carriers.
ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country.
Supplemental policies from ManhattanLife provide additional insurance to help pay out-of-pocket expenses, and also help with non-medical costs like lost wages or missed mortgage payments. They provide a safety net and the benefits are paid directly to you.
Here are a few other reasons why producers like working with Manhattan Life:
- Available Nationwide – ManhattanLife writes policies and underwrites annuities in every state and U.S. territory. We can accommodate any domestic footprint or need for additional coverage and annuity guarantees.
- Easy to Write Policies – policies are comprehensive and easy to write, providing you with the right tools to grow your business, nurture your customer relationships and achieve your professional goals.
- High Touch Support – When you need support or expedient issue resolution, you can expect responsive and knowledgeable service for you and your customers. You’ll always speak with a real person located in the United States.
- Agent Partnership – ManhattanLife’s relationship with policyholders is only as strong as our relationship with you. That’s why our focus remains on ensuring ManhattanLife producers are successful.
Online Contracting: WorldTrips
WorldTrips Atlas Travel Insurance Products: 20% Commission
WorldTrips® (formerly HCC Medical Insurance Services) is a full-service company providing travel insurance and assistance products to individuals, families, corporations, and service groups around the world.
Headquartered in Carmel, Indiana, WorldTrips provide travel insurance coverage to over 400,000 people each year with the following insurance products:
- Atlas Travel® – International Travel Medical Insurance
- Atlas Journey® – Trip Protection
- Atlas Group® – Group Travel Medical Insurance
- Atlas MultiTrip™ – Annual Travel Medical Insurance
- StudentSecure® – International Student Travel Insurance
Atlas Travel® medical insurance offers guaranteed acceptance, MultiTrip and Group options, emergency medical evacuation coverage, flexible deductible and medical maximum options, and seamless online enrollment. ID cards and policy documents emailed directly to primary insured following purchase: this plan is ideal for international vacationers, business professionals, and missionary or service groups.
StudentSecure® meets all requirements for the F-1 student visa with 3 different plan options: Select, Budget, and Smart. These plans offer benefits for any budget. Emergency Medical Evacuation coverage is offered on all plans and maternity and college sports coverage are available on certain plans. These policies are ideal for college students or faculty studying outside their home country. Studying in a foreign country is exciting! StudentSecure® offers the opportunity to focus on the excitement rather than the worry.
Atlas Travel® Insurance
Short-term travel health insurance for individuals traveling outside of their home country
Whether you’re traveling abroad for business or pleasure, Atlas Travel insurance can offer an international coverage plan for you. Atlas Travel can cover trips between 5 and 364 days. In addition to medical benefits for unexpected injuries and illnesses, Atlas Travel insurance offers benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities, and more.
International student health insurance for students pursuing their education outside of their home country
StudentSecure is designed to meet the insurance needs of full-time students and scholars studying abroad. The StudentSecure series offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that fits your needs and budget. These plans may include coverage for emergency medical evacuation, leisure sports and activities, mental health treatment, maternity and more.
Atlas Journey® Insurance
Short-term trip cancellation insurance for U.S. residents traveling domestically and abroad
Atlas Journey is comprehensive trip protection insurance for domestic and international travel. Choose from three levels of coverage: Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy. Atlas Journey offers coverage for trip cancellation, trip interruption, travel delay, missed connection, and other travel-related benefits. It also provides coverage for emergency medical expenses and medical evacuation.
Atlas On-The-Go® Insurance
Short-term travel insurance for U.S. residents traveling at home or abroad.
Atlas On-The-Go is a travel insurance plan featuring reimbursement for trips that are cut short unexpectedly. This plan also provides coverage for medical emergencies, baggage damage or loss, missed connections, and other travel interruptions.
BestOne Dental Plans
Contracting Online: BestOne Dental Online Contracting
Affordable Dental Coverage – 12 Month Rate Guarantee!
- NO Waiting Periods
- NO Deductibles!
- $5,000 Dental Plan
* (per calendar year, per covered family member
Remain as of Issue Age
Large National PPO Network
Choice of Plan Options:
- Choice Plan ($3,000 or $5,000)
- Economy Plan ($1,500)
Implants Covered on Major Services
Issue Ages to 99
Individual, Individual +Spouse, Individual + Child(ren), Family
Year 1: 22%
Year 2+: 6%
Online Contracting: Nationwide
Type “Agent” for password
National Care Dental Product Features Include:
- $1,500, $3,000 and $5,000 annual benefit levels available
- Competitive Premiums
- Underwritten by an A+ rated carrier (Nationwide) – Not available through Nationwide directly
- Huge national provider network (comprised of 3 networks in 1)
- Fully Insured Immediate Issue
- 100% Preventative, 80% Basic Care, 50% Major Care
- NO Waiting Period for preventative and basic care. Waiting period for major care waived with prior coverage, a very unique feature.
- Includes Implant Coverage
- Flat pricing (no area factors or age banding). Great for the under 65 and senior market clients. Group list billing also available.
- Commission is 15% level for the life of the policy.
- All enrollments are done on a personalized agent portal in minutes for easy phone sale opportunities
- Vision also available (VSP network)
GTL - Guaranteed Trust Life
Complete online*: Pivot Agent Contracting –
*You will receive a separate email from [email protected] to electronically sign the contract. Once the following is complete, the contracting process takes 24-72 hours.
Pivot Health is a fast-growing company obsessed with helping individuals find the right insurance for their needs. Powered by HealthCare.com, Pivot Health uses data and friendly customer service to design customizable products for you and your family. Our team of health insurers, financial experts, and tech geeks stay on top of the latest news and products so you stay informed and can feel confident you’re making the right decision. Come join over 72,400 members who we help insure each month.
We want to help our customers trust their health insurance provider. We do this by the way we design our coverage, how we present our plans and the way we do business with our members every day.
Budget-friendly coverage options
Pivot Health designs products that provide you economical healthcare that make doctors and hospitals accessible to a range of customer budgets like yours.
Makes sure it fits
Short-term coverage isn’t for everyone and we don’t want to present plans for more than they are. Instead, we focus on displaying our plans clearly and only selling you coverage if it’s the right fit for your lifestyle.
We explain our coverage in simple, non-insurance-speak as often as we can so you get a solid understanding of what our plans cover, and what they do not.
Work with trusted partners
Pivot sells coverage through trusted insurance brokers such as Independent Health Agents.
Membership benefits offer unlimited video consultations with board-certified doctors that can diagnose and provide prescriptions in minutes, plus discount vision services and a discount prescription drug card. If you want to be smart about your health care dollars, we can help you spend less of your hard-earned cash.
Different Types of Coverage
Short Term or Catastrophic Carriers
Short Term Health Insurance or Short Term Medical (STM for short) is an affordable health insurance that is meant to bridge the gap in between traditional health coverage. Those who missed open enrollment and without a qualifying event in order to purchase a traditional plan outside of open enrollment would be candidates for STM.
Short term plans provide coverage for up to 12 months. Beginning in 2020, some states allowed up to 36 months allowing you to purchase a second and third year short-term plan back to back. An additional 14 states have added short-term plan options in 2021.
Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as “fee-for-service” plans.
AD&D, accident & critical illness coverage
Dental: Benefits that help pay for the cost of visits to a dentist for basic or preventive services, like teeth cleaning, X-rays, and fillings. In the Marketplace, dental coverage is available either as part of a Marketplace health plan, or by itself through a separate dental plan.
Vision: Vision care insurance will often cover routine eye health expenses such as eye exams, contact lens fittings, contact lenses, and eyeglass lenses and frames.