Do you need to find Indiana health insurance quotes? We’ll give you instant health insurance quotes from several health insurance providers in the state of Indiana. We will provide you with information to help you save on your health coverage. Start by simply entering your zip code above and read more about the best available Indiana health insurance plans in your community.
Indiana Health Insurance Laws and Regulations
Insured 5,499,357
Uninsured 837,200
Carriers 16
General Doctors 11210
1. Smoking has decreased from 26.9 percent to 21.2 percent among adults in Indiana. Still, there are over one million smokers in the state. 2. Over the past ten years, the number of obese individuals has risen from 1,050,000 to 1.5 million. 3. The rate of preventable hospitalizations is up from 75.6 to 78.4 discharges per 1,000 Medicare enrollees in the past year. 4. Infant mortality rate is down from 7.8 to 7.3 deaths per 1,000 live births in the past year. 5. Diabetes is up from 8.3 percent to 9.8 percent among adults. There are 478,000 adults living with diabetes in Indiana. 6. Children living poverty increased from 18.6 percent to 25.2 percent of the population under 18 years old. 7. After falling to 4.4 and 4.6 cases per 100,000 population in 2009 and 2010, infectious disease has risen to 7.8 cases per 100,000 population in 2011.
Indiana health insurance plans are required to be sold with a guaranteed renewability clause. Insurers cannot cancel a subscriber's coverage as long as premiums are paid in full and no fraud is committed. When writing new Indiana health insurance plans, insurers can exclude coverage for a pre-existing condition for up to a year. The insurer will not pay for any services or treatment related to the pre-existing condition during this exemption period. After this period, insurers are required to cover the condition. Switching to another policy will not reset the delay. Insurance companies are allowed to consider an applicant's age, sex, health, and other factors when determining premium rates. Insurers can also use these factors to determine whether or not the applicant is qualified for coverage. Small businesses in Indiana can purchase any form of small-business group health insurance available to other parts of the state. However, a minimum number of enrollees may be required to support the group's insurance policy. Insurance companies cannot cancel coverage nor adjust premium rates due to the health of the subscribers. Indiana health insurance quotes for group coverage can vary according to the risk factors of its members. However, small group health plans cannot be cancelled due to a member's health condition. Self-employed individuals in Indiana can choose to purchase an individual or a small-business health insurance, provided the company has at least one other employee. Those under individual coverage can deduct a portion of their premium payments from their tax liability.
Indiana Comprehensive Health Insurance Association (ICHIA)
Indiana Comprehensive Health Insurance Association (ICHIA) is a high risk pool which offers coverage to individuals who were denied coverage due to an existing health condition. Coverage for this plan include hospital care, diagnostic tests, x-rays, physician care, prescription drugs, and several other services. Eligibility 1. Must live in Indiana. 2. Must be ineligible for Medicaid and private insurance that offers coverage the same with ICHIA.
Pre-Existing Condition Insurance Plan (PCIP)
This plan is a temporary high-risk pool created by the Health Care Reform and operated by Indiana's Department of Health and Human Services. This program provides coverage for individuals with a pre-existing condition who have a hard time finding private coverage. Coverage includes a wide range of benefits which includes hospital care, primary care, specialty care, and prescription drugs. Eligibility: 1. Must be a U.S. resident living in Indiana. 2. Must be uninsured for at least six months. 3. Must have a qualified pre-existing health condition.
Hoosier Healthwise Program offers health coverage for pregnant women and children who meet income limits. There are three packages available under the program which offer a wide range of benefits including children's medical check-ups, doctor visits, prescription drugs, dental and vision care, and many more. The Pregnancy Package offers coverage for prenatal care, labor and delivery, and 60 days post-partum. Eligibility: 1. Must be U.S. citizens or qualified residents living in Indiana. 2. Must meet income requirements and other specific guidelines according to package applied for.
Indiana Breast and Cervical Cancer Early Detection Program (BCCP)
The Indiana Breast and Cervical Cancer Early Detection Program offers screening, diagnostics, and other related care to qualified low-income women. Benefits for this program include clinical breast exams, mammograms, breast and cervical cancer screenings, Pap tests, pelvic exams, and many more. Eligibility: 1. Must be U.S. citizens or qualified residents living in Indiana. 2. Must not exceed 200% FPL. 3. Must be uninsured or have an insurance plan that doesn't cover breast or cervical cancer screenings. 4. Must be between 40 and 64 years old. Women 65 years old and above can qualify for the program provided they are not enrolled in Medicare.
Healthy Indiana Plan (HIP)
Healthy Indiana Plan provides coverage to Indiana residents without insurance, aged between 19 and 64 years. This plan covers a wide range of services including physician services, inpatient and outpatient care, prescriptions, diagnostic exams, hospice, home health services, mental health and substance abuse, family planning, and preventive services. The plan does not cover dental, vision, or maternity services. Eligibility: 1. Must be U.S. citizens or qualified residents living in Indiana. 2. Must not be eligible for Medicaid or Medicare; Must not have access to employer-sponsored health insurance. 3. Must be between 19 and 64 years. 4. Income must be 22% to 200% FPL. 5. Must not have health insurance for at least six months.
Medicare provides health coverage to eligible seniors or those with qualified disability. Coverage has four parts: Part A: provides inpatient care in hospitals and rehabilitative centers. Part B: provides doctor and some preventive services and outpatient care. Part C: provides Medicare benefits through Medicare Advantage. Part D: provides prescription drug coverge. Eligibility: 1. Must be a U.S. citizen or permanent U.S. resident. 2. Must be 65 years or older, with you or your spouse having worked in a Medicare-covered employment for at least ten years; or have a qualified disability or end-stage renal disease, regardless of age.
With the new health care law, children under the age of 26 can choose to stay under their parent's Indiana health insurance as long as they are not offered an employer-based health insurance. This provision enabled 2.5 million young adults to have insurance nationwide. In Indiana, 38,480 young adults have insurance coverage through this provision as of June 2011.
The new health care law allowed nearly 90,000 Medicare policyholders in Indiana to receive a $250 rebate check to help with prescription drug costs when they fell into the Medicare gap in 2010. In 2011, 89,096 Medicare plan holders were given a 50% discount on brand-name prescription drugs covered by their plans when they hit the donut hole. An average of $648 per person or a total of $57,735,983 was saved in Indiana.
Previously uninsured individuals without health coverage because of a pre-existing condition can now apply for a Pre-Existing Condition Insurance Plan. This plan is available to U.S. citizens or legal residents with a pre-existing condition and have been uninsured for at least 6 months. In 2011, 678 individuals in Indiana have benefited from this new law.
When looking at Indiana health insurance quotes, applicants are assured that at least 80 percent of the price will go directly to health care services and other related improvements. A rebate or premium discount shall be provided if the minimum is not met. All private policyholders in Indiana will get greater value for their premium payments because of this 80/20 rule.
Under the new law, insurance companies are no longer allowed to impose an annual dollar limit-a cap on the yearly spending for your benefits, or a lifetime dollar limit-a lifetime cap for spending for your covered benefits. This law frees chronically ill individuals like cancer patients from worrying about getting further treatment because of such limitations. In 2011, more than 2,250,000 Indiana residents have benefited from this law.
If insurance companies want to raise their premium rates by ten percent or more, they are required by federal law to publicly announce and justify their actions. To guard against such unreasonable increases, the state of Indiana received a total of $4.9 million.
All fifty states receive increases in funding for community health centers under the Affordable Care Act. This will help construct new health centers, provide medical services to more patients, improve preventive and primary health care services, and fund infrastructure projects. In Indiana, 98 community health centers received a total of $32.1 million to fund these improvements.
In 2010, the Affordable Care Act created the Prevention and Public Health Fund. This new fund was created for wellness promotion, disease prevention, and protection against public health emergencies. Indiana has already received a total of $16.5 million to support its policies, programs, and communities to help its residents lead healthier lives.