Indiana Health Insurance

Indiana Health Insurance Assistance

A new Indiana private health insurance plan may be right for you if:

You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed

We can help you compare Indiana individual and family health insurance products and select the plan best suited to your health care needs.

Resources and Perspectives

We have prepared some general health insurance resources -- reflecting our perspectives -- that may assist in your evaluation of Indiana health insurance alternatives:

Q&A - Individual and Family Health Insurance

Height/Weight Impact on Health Insurance Rates

The Health Insurance Purchasing Process

Health Insurance Shopping Advice

Health Insurance Glossary

Long-Term or Short-Term Health Insurance?

AM Best Financial Ratings of Leading Health Plans

Basic Rules of COBRA Continuation

Tips on Getting the Most from COBRA Continuation

Finding Affordable Indiana
Individual or Family Health Insurance

If both you and your spouse or domestic partner are looking for a new Indiana health insurance plan, we recommend you review health insurance quotes both together and separately to find the solution that is most affordable.

Though it varies by health insurance company, Indiana health insurance rates for couples can significantly differ from the cost of buying separate policies. Sometimes it costs more. Sometimes it costs less. Different insurance companies use different rating methods.

Couples with greater age differences are more likely to see meaningful rate variations. In summary, couples sometimes benefit by evaluating both combined and separate coverage.

Why do Business with Us?

Health insurance is basically all we do and we have been doing it for over 30 years. This website has been operating since 2000.

When you work with us, you can count on solid professional health insurance assistance:

Objectivity
We want to help you get the best deal on Indiana health insurance that meets your coverage needs. It does not matter to us if the plan is from Anthem Blue Cross and Blue Shield, Humana, UnitedHealthcare, etc.
Quality
We only represent leading Indiana health insurance companies like the ones mentioned above.
A Considerate Approach
Our services are provided only if you specifically request our assistance. We do not solicit business over the phone, through the mail or via e-mail.
Respect for Your Privacy
Protecting our customers' private information is a top priority. We have implemented appropriate electronic and administrative safeguards. For more information, see our Privacy Statement.
Lowest Health Insurance Rates
The State of Indiana strictly regulates health insurance premiums, so you cannot be charged less for any of the health insurance products we represent.

Health Insurance Law Protections

Indiana residents have legal protection when they purchase individual and family health insurance.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA)
Those needing individual health insurance when leaving an employer-sponsored plan are protected under the HIPAA federal law, which limits Indiana health insurance companies in imposing a waiting period for pre-existing health conditions. However, this law is often misunderstood.

HIPPA Limitations and Misconceptions
We get frequent calls from folks who believe HIPAA entitles them to affordable private health insurance, but it does not work that way. If you have disqualifying health conditions an Indiana health insurance company can still decline to insure you under an individual or family policy. HIPAA does not change that.

If necessary continuity of coverage conditions are met, HIPAA requires the insurance company not apply the pre-existing condition exclusion -- but only if they agree to insure you in the first place. In addition, HIPAA does not prevent an Indiana health insurance company from placing exclusionary coverage waivers (distinct from the pre-existing condition exclusion) or from assessing additional premium charges on an individual or family health insurance policy involving pre-existing conditions.

COBRA (Consolidated Omnibus Budget Reconciliation Act)
Under the COBRA federal law Indiana residents can continue, subject to duration limits, health coverage from a prior employer. If you would like to learn more about how COBRA could impact you, visit:

Indiana Prohibition against Unwarranted Rescissions
After an Indiana resident is accepted into a private health plan, Indiana state law prohibits (in absence of fraud or material misrepresentation) insurers from canceling coverage if the person becomes sick or is injured.

Mandated Benefits
Indiana mandates certain benefits in individual/family health insurance policies. Some noteworthy Indiana private health insurance benefit requirements include:

Autism
Alcoholism / Substance Abuse
Colorectal Cancer Screening
Mental Illness
Mammograms
Morbid Obesity
AIDS/ HIV Testing
Breast Reconstruction

National Health Insurance Reform (ObamaCare)
The Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act of 2010 will overhaul the whole system. Some facets have already gone into effect, though the most meaningful provisions do not begin until 2014. Review our health care reform implementation summary.

Other Indiana Health Insurance Sources

We are in the business of marketing private health insurance to Indiana residents who can afford to buy it. It is no secret that health insurance can be expensive, though we do our best to help our customers find the most affordable quality coverage.

Indiana residents who cannot afford private coverage or who are unable to qualify due to pre-existing medical conditions should explore the following:

Indiana Medicaid
Indiana offers several Medicaid programs. Eligibility is based on income, age and other factors. The Hoosier Healthwise, Care Select and Healthy Indiana Plan (HIP) all fall under the Indiana Medicaid umbrella. If you think you may qualify for an Indiana Medicaid program you should visit the website or contact Indiana Family and Social Services Administration.
Pre-Existing Condition Insurance Plan (PCIP)
Implemented as a consequence of national health care reform and administered by the US Department of Health and Human Services (HHS), PCIP is a transitional (until 2014) health insurance program for uninsured Indiana residents. PCIP enrollees are not subject to a pre-existing condition exclusion.
Enrollees are required to pay a premium and out-of-pocket costs. PCIP eligibility criteria for Indiana residents includes:
- Have a Pre-existing condition
- Be a U.S. citizen, national, or legal resident
- Be uninsured for six months
For a full details about eligibility and required enrollment documentation, go to https://pcip.gov/Who's_Eligible.html.

People who enroll in PCIP are not charged a higher premium because of their medical condition. Program participants pay comparable premium rates to healthy people in the Indiana individual insurance market.
Indiana Comprehensive Health Insurance Association (ICHIA)
This is the Indiana high risk pool for people who have necessary financial resources but, due to pre-existing conditions, are unable to qualify for private health insurance. It's funded by enrollee premiums, government contributions and assessments to health insurance companies doing business in Indiana. Coverage is expensive, but it is quality comprehensive health insurance administered by a division of Anthem Blue Cross Blue Shield.
ICHIA is a "last option" plan. You will not be able to enroll in ICHIA unless all your other health insurance options have been exhausted. That includes Medicaid and the Pre-Existing Condition Insurance Plan (PCIP).