Indiana Health Insurance
As a resident of Indiana, you have plenty of Indiana health insurance options to choose from. There are multiple insurance companies in Indiana that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Indiana. See some of the state's top health insurance companies and read about the important Indiana health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Indiana health insurance programs.
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Resources on this page
Indiana Health Insurance Laws and Regulations
Public Health Insurance Programs for Indiana Residents
Indiana Health Insurance High Risk Pools
Indiana Health Insurance Companies
Contact Info for the Indiana Department of Insurance and Public Health
Indiana Health Insurance Laws and Regulations
Indiana health insurance law allows insurance companies 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.
For residents who have been turned down for coverage because of a pre-existing health condition, they 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.
But once a person is accepted into a plan, Indiana health insurance companies are not allowed to cancel coverage because the policyholder becomes sick or gets injured also known as guaranteed renewability.
State law also requires all Indiana health insurance plans to cover certain medical services, including:
- Screening for breast, colorectal, and prostate cancer
- Continuity of care for pregnant women
- Diabetic supplies and care
Indiana Public Health Insurance Programs
There are a few public Indiana health insurance programs to help low-income residents get health coverage:
- 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 health 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, 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 Health Insurance High Risk Pools
The Patient Protection and Affordable Care Act established nationwide high risk pools to provide health insurance coverage for people with pre-existing conditions.
The Pre-Existing Condition Insurance Plan (PCIP) in Indiana will run similar to regular Indiana health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.
Indiana residents with PCIP will 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.
Individuals with medical conditions will have 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 a pre-existing 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.
The following list of companies offer health insurance plans in Indiana:
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 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. They also give members access to an extensive network of health care providers.
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 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, who has over 1.5 million members nationwide. Their 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, a 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 their members better manage their healthcare and make informed health decisions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Physicians Health Plan of Northern Indiana Health Insurance
Physicians Health Plan of Northern Indiana is the largest of its kind, soley serving residents of Northern Indiana for over 25 years and provides members access to more than 2,000 health care providers.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
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 their 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 UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Indiana Department of Insurance and Public Health
Find the contact information for the Indiana health insurance and 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/
