Indiana Health Insurance
Shopping for health insurance in the state of Indiana might seem like a daunting task. Thankfully, there are many options open to residents of Indiana who are uninsured or underinsured. Whether you're healthy or not, this page will provide you with valuable information for obtaining health coverage. Read on to learn about the difference between group and individual coverage, and about COBRA. If you're healthy enough to obtain coverage on the individual market or if you have a small business and qualify for small group, Health Plan One can help. If not, review the information on this page about Indiana's Hoosier Health Wise, high risk pool, Healthy Indiana Plan, and Rx for Indiana. All of these government programs can help those who are medically uninsurable or who cannot afford private insurance to obtain basic health coverage.
What Every Indiana Resident Should Know About Health Insurance
The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company's choosing, individual employees are not medically underwritten, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.
Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company's insurance kicks in. Such options are available through Health Plan One. Simply visit our Short-Term information page for your free quotes.
It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.
What If I'm Between Jobs?
As previously mentioned, it is important not to have a break in coverage of more than 63 days. As a result, if you've recently lost your job look into extending the coverage you had with your employer through COBRA. With the COBRA program through the federal government you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who've lost their jobs to invest in an individual/family insurance policy through Health Plan One.
With individual coverage, you choose the health insurance carrier and benefits you want with the help of Health Plan One. We will quote plans for you and your family from all the different carriers available in Indiana so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs, a plan on the individual market through Health Plan One could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in Indiana each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months.
If you're healthy and are unhappy with the health insurance offered by your employer, are between jobs, or are not offered benefits by your company, enter your zip code into the Health Plan One quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you're under no obligation to buy. Our licensed insurance specialists are also available via LiveChat (see the button to the right) or toll-free at (877) 567-5267 to answer any questions.
If you are self-employed, you could qualify for a small group plan in Indiana. You must have 2 or more eligible employees who each work at least 30 hours per week. There is no standard amount of time in business required prior to applying for coverage. All carriers in Indiana do medically underwrite for small group plans. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling. Health Plan One can help you by quoting plans for small groups. Simply call us at (877) 567-5267.
If you're not healthy there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.
For more information about small group plans in Indiana, visit our Indiana small business page.
Hoosier Health Wise - Indiana Medicaid
Hoosier Health Wise (HHW) is the name of Indiana's Medicaid program. The program offers basic health coverage to children, pregnant women, and low-income families in the state. Care is available at little or no cost to families enrolled in HHW. Benefits include prescriptions, dental care, vision care, family planning, mental health, doctor's visits, and regular checkups. There are income requirements for each group of eligible enrollees. For example, based on family income, children up to age 19 may be eligible for coverage at zero premium or low-cost coverage under Children's Health Plan Benefit Package C. These are available athttp://www.healthcareforhoosiers.com/eligibility_requirements.html For more information on specific benefits and eligibility requirements, explore the program's website at http://www.healthcareforhoosiers.com/index.html
The federally mandated Children's Health Insurance Program is part of Hoosier Health Wise.
For more information on Care Select, Indiana's Medicaid managed care program, click here:http://www.indianamedicaid.com/ihcp/CareSelect/cs_index.asp
For information on Indiana Medicare, visit MedicareSolutions.com
Healthy Indiana Plan (HIP)
The Healthy Indiana Plan provides basic health coverage to uninsured adult residents age 19-64 whose household income is between 22-200% of the federal poverty level (FPL) who are not eligible for Medicaid. Eligible Hoosiers must be uninsured for at least 6 months before applying and cannot be eligible for employer-sponsored insurance. Benefits include physician services, prescriptions, diagnostic exams, preventative services, family planning, in-and outpatient hospital services and mental health coverage. Participants contribute no more than 5% of their gross family income toward coverage under HIP. There is a sliding scale which determines the actual contribution for families based on income level and family size. For more information on HIP, click here: http://www.in.gov/fssa/hip/
Rx for Indiana
This program connects qualified, low-income residents with discount prescription medicines direct from the pharmaceutical manufacturer. To see if you qualify for discount prescription drugs through one of the patient assistance programs offered via Rx for Indiana visit http://rxforindiana.org/
Indiana Comprehensive Health Insurance Association
The insurer of last resort for those Indiana residents who are medically uninsurable on the individual market due to a preexisting condition is the Indiana Comprehensive Health Insurance Association. There are many detailed requirements which must be fulfilled in order for one to be eligible for this high risk pool. To view the eligibility categories, read through the program's brochure, available here in pdf form:http://www.onlinehealthplan.com/content/html/acs/12/premem22106.pdf For other questions regarding eligibility or benefits, explore the ICHIA website at http://www.onlinehealthplan.com/