In Indiana, health insurance companies can deny applications because of your health status and other factors such as pre-existing conditions. Because there are certain factors that companies look for when accepting applications for health insurance coverage, it is important that you do plenty of research when looking for the health care plan that best fits your lifestyle and needs.
Currently in Indiana, the number of uninsured non-elderly adults (age 19-64) has reached 676,680 about 18% of the population. For individual health coverage, the worker’s portion of annual premiums rose from $446 to $737, an increase of 65% from 2000-2006 according to familiesusa.org. Because of the continuous increase in Individual health insurance costs, premiums have risen 76.7% while earnings have only risen by 10%. Although these statistics may seem overwhelming, Indiana has three basic options for individual health insurance coverage that makes obtaining health care possible. Residents of Indiana may receive private health insurance purchased directly from a company, receive health care from the Comprehensive Health Insurance Pool or through Income-eligible programs.
Medical underwriting which is the process a health insurance company goes through to assess the health status of individuals and use information to determine if the insurance company wants to accept an application is allowed in the state of Indiana because companies determine an applicant’s states because of previous health conditions. In Indiana, there is a 12 month look back period for pre-existing conditions before purchasing coverage and before coverage begins. Health Insurance companies cannot exclude coverage because of pre-existing conditions for more than 12 months.
In Indiana, there is a high risk pool called the Indiana Comprehensive Health Insurance Association which became operational in 1982. ICHIA offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. You must apply for individual coverage and be rejected by at least one health insurance company before you become eligible got ICHIA unless you are HIPPA-eligible. People who are fall under the category of HIPPA-eligible include those people who have had at least 18 months of continuous creditable coverage and those people who have exhausted all COBRA continuation coverage which was available according to www.healthinsurance.about.com.
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Medicaid is a joint state and federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.
Income requirements:
Other populations
Supplemental Security Income Recipients: 76% of the Federal Poverty Level
Covered Services
Outpatient hospital services, nurse midwife services, inpatient hospital services, family planning services and supplies, rural health clinic, physicians' services and medical & surgical services of a dentist, laboratory and x-ray services, nurse practitioners' services, nursing facility and home health services for those age 21 and over, early/periodic screening diagnosis & treatment for people under age 21, case management services, chiropractic services, Christian Science sanitariums, clinic services, dental, diagnosis services, emergency hospital services, eyeglasses, hospice care, inpatient psychiatric services for those under age 21, intermediate care for the mentally retarded, nurse anesthetists' services, nursing facility services, occupational therapy, optometry services, physical therapy, podiatry, prescription drugs, preventive services, prosthetic devices, psychological services, rehabilitative services, respiratory care services, screening services, speech, hearing, and language disorder services, transportation services, durable medical equipment, home health services, extended services for pregnant women
Co-Payments
Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.
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