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Included and optional insurance benefit options.

peace of mind.

benefits that fit your life.

Access to quality and affordable insurance options is one the greatest barriers to success for Independent Contractors.  We're changing that, one Independent at a time.

Included Coverage
AD&D Coverage

 Accidental Death & Dismemberment  helps with unplanned financial risks of serious injuries and death.  $15,000 coverage is included with Individual Membership with the option to expand.

Term Life Coverage

Life Insurance protects your family's future.  $15,000 coverage is included with Individual Membership with the option to expand.

Health Coverage Options

* Access to elect coverage is at an additional cost. Must have membership to access plans and pricing.

Telehealth & Talk Therapy >* included with Premium Membership
Short Term & Limited Medical Plans >
International Medical Coverage >
Auto & Home Insurance Options

* Access to elect coverage is at an additional cost. Must have membership to access plans and pricing.

Personal Protection

When life throws you a curve... 

Included with Membership

Included with Membership

Included with Membership

Included with Membership

we keep working for you.

We're busy behind the scenes negotiating for additional coverage options including voluntary dependent, business owner's policies, professional liability, and cyber insurance. Stay tuned for updates.

The Disclaimers That We Need to Share So You Can Be Informed.

ITA and iPSE-U.S. created a mutual partnership that became effective May, 2020 to offer the benefits of both associations through one membership. Until integration of the member sites is completed, new members will have two log on accounts.

1. Life, AD&D, Critical Illness, and Accident coverage is currently not available in all states – further details will be provided during Membership sign up.

2. Basic Term Life and AD&D coverage is paid for as a member benefit of iPSE-U.S.

3. Insurance benefits included in membership will begin on the 1st of the month following the completion of Membership sign up.

In The Works: Voluntary dependent coverages, auto/home, business owner’s policy, professional E&O/PL, cyber and liability insurance.

 

For AD&D, Accident and Critical Illness: This coverage is not health insurance Coverage (often referred to as “Major Medical Coverage”).


This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance Coverage. 


For AD&D and Accident: This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE ‐ THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Group Insurance coverage is issued to iPSE-US by The Prudential Insurance Company of America, Newark, NJ and distributed by iWorker Innovations, LLC, a Delaware limited liability company. iWorker Innovations, LLC is a subsidiary of iW Holdings, LLC. Prudential Workplace Solutions Groups Services, LLC owns a minority non-controlling interest in iWorker Holdings, LLC. The Prudential Insurance Company of America and Prudential Workplace Solutions Group Services, LLC are businesses of Prudential Financial, Inc. Each company is solely responsible for its own financial condition and contractual obligations. The Booklet Certificate contains all details, including any exclusions, limitations and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series 83500 1027657-00001-00

MeMD Standard Disclaimer:  This disclaimer should appear on marketing materials intended to solicit a sale or patient encounter:

*MeMD provides access to online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD also provides access to online counseling or talk therapy with behavioral health providers; however, therapists cannot write prescriptions. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. MeMD is not a replacement for your primary care physician or annual doctor’s office visit. Subject to state regulations, MeMD is available nationwide with providers licensed to practice in your state who use video and/or audio technology.

 

MeMD Prescription Disclaimer:  When referencing medications or prescriptions, the MeMD Prescription Disclaimer must be included:

*When medically necessary, MeMD’s providers (except therapists) can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD’s providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

 

MeMD Pricing Disclaimer:   $0 Visit Fee Pricing Model When offering a $0 Visit Fee Pricing Model, the following disclaimer(s) must be included:

*$0 medical (urgent care) visits are capped at three per individual, per month. Each medical (urgent care) visit above the cap will be charged at MeMD’s then-current standard medical (urgent care) visit fee rate, which will be collected at the time of service.  $0 therapy visits are capped at five per individual, per month. Each therapy visit above the cap will be charged at MeMD’s then-current standard therapy visit fee rate, which will be collected at the time of service. 

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