Indiana Health Insurance

Health Insurance Overview

Indiana residents have many options for health care coverage. There are numerous Indiana insurance providers to choose from, along with a variety of Indiana medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Indiana health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Indiana medical insurance from the best Indiana insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Indiana health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Indiana health insurance programs, and even details on some of the top Indiana insurance providers.

To compare specific Indiana medical insurance plans offered by the various Indiana insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Indiana health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Indiana health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Indiana? Find your state here.

Indiana Health Insurance Facts & Statistics

Total Indiana Residents – 6,348,800

Total Health Insurance Coverage In Indiana:
Employer – 52%
Individual – 3%
Medicaid – 16%
Medicare – 14%
Other Public – 1%
Uninsured – 14%

Average Individual Monthly Premiums – $214

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,127

Average adjusted hospital cost per inpatient day – $1,955

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Indiana Medical Insurance Laws, Regulations & Policies

There are several Indiana health insurance laws and regulations that are put in place to protect policyholders living in the state. State law allows Indiana insurance providers to require applicants to provide information about their health history and current health conditions. From there, insurance companies can set monthly premiums as they see fit or decline the application.

Indiana residents who have been turned down for coverage because of a pre-existing health condition can get coverage through the Indiana health insurance high risk pool, the Indiana Comprehensive Health Insurance Association (ICHIA). To learn more about ICHIA, visit this informational website.

Indiana also requires that all policies be guaranteed renewable, which means that once an Indiana resident is accepted into a plan, Indiana insurance providers are not allowed to cancel coverage because the policyholder becomes sick or gets injured. State law also requires all Indiana medical insurance plans to cover certain medical services, including:

  • Screening for breast, cervical, colorectal, and prostate cancer
  • Continuity of care for pregnant women
  • Diabetic supplies and care

Indiana Health Insurance Resources

Family, Health and Safety Resources

Provides information on resources available from the state of Indiana. Visit their website.

Children’s Special Health Care Services

The purpose of The Children’s Special Health Care Services (CSHCS) program is to provide financial assistance for critical medical treatment to children with serious medical conditions. Visit their website.

Indiana Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide people with pre-existing conditions health insurance coverage. The Pre-Existing Condition Insurance Plan (PCIP) in Indiana runs similar to regular Indiana health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Indiana residents enrolled in PCIP pay around the same amount that an individual without a medical condition pays for health insurance. The estimated monthly premium costs for Indiana residents are $310 for ages 0 to 34; $372 for ages 35 to 44; $476 for ages 45 to 54; $662 for ages 55 and older. The yearly deductible that must be met before health insurance coverage kicks in is set at $2,500 and annual out-of-pocket limits are $5,950. Residents who are eligible for the plan will have access to health insurance coverage for prescription drugs, emergency services, doctor and hospital visits, and more.

Indiana residents are eligible if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Indiana health insurance high risk pools visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Indiana Medical Insurance and Health Care Programs

The state of Indiana offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    In Indiana, residents who are blind or disabled can get health insurance coverage through this state and federally funded program. Low-income families, children and pregnant women can receive coverage through the managed care Indiana Medicaid program, Hoosier Healthwise. To learn more about Indiana Medicaid and Hoosier Healthwise, visit http://www.in.gov/fssa/ompp/2544.htm.
  • Indiana Breast and Cervical Cancer Early Detection Program
    This state and federal program gives low-income women access to free screening for breast and cervical cancer, along with full health coverage through Medicaid if diagnosed. For more information about this Indiana medical insurance program, click here.
  • Rx For Indiana
    This state program gives low-income residents access to discounted prescription drugs. To learn more about the Rx for Indiana, visit http://rxforindiana.org/.
  • Indiana Medicare
    Seniors looking for Indiana health insurance can get coverage through Medicare Advantage, Medicare Supplement and Original Medicare.

Certain trade workers and early retirees in Indiana qualify for the Federal Health Coverage Tax Credit, which pays 65 percent of health plan premiums. Visit the Internal Revenue Service (IRS) online to learn more about this benefit.

Indiana Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Anthem Blue Cross and Blue Shield of Indiana Health Insurance

In Indiana, Anthem Blue Cross and Blue Shield offer residents affordable and comprehensive health insurance options. It also gives members access to an extensive network of health care providers.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Consumers Life Company Health Insurance

Consumers Life is part of Medical Mutual of Ohio, which has more than 1.5 million members nationwide. Its diverse portfolio of health plans includes coverage for individuals, families, and businesses.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Physicians Health Plan of Northern Indiana Health Insurance

Physicians Health Plan of Northern Indiana is the largest of its kind, solely serving residents of Northern Indiana for more than 25 years and providing members access to more than 2,000 health care providers.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

United Security Life Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Indiana Department of Insurance and Public Health

Find the contact information for the Indiana health insurance and public health departments at:

Indiana Department of Insurance
311 West Washington Street, Suite 300
Indianapolis, IN 46204
Phone: (800) 622-4461
http://www.in.gov/idoi/

Indiana State Department of Health
2 N Meridian St
Indianapolis, IN 46204
Phone: (317) 233-1325
http://www.state.in.us/isdh/