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Indiana Health Insurance (IN)Choose from the list below to learn more about specific health insurance providers in Indiana. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote. Get a quote for Indiana health insurance now >> Health Insurance Providers in Indiana (IN)
Individual Health Insurance in Indiana (IN)For individual health insurance, your application for coverage can be turned down because of a health problem. If you have a pre-existing condition, insurance companies can impose a waiting period for coverage of no more than 12 months; however, they are not allowed to attach an elimination rider. In assessing for a pre-existing condition, insurance companies cannot review your medical history for more than the prior six months before coverage started. In addition, if you had small group coverage and had no break of more than 30 days, you will get credit toward your exclusion period. You cannot be cancelled from insurance due to illness, but there are no limitations on the cost of an individual policy. If you have had 90 days of continuous coverage with a small group health plan and leave, you qualify for a conversion policy. Group Health Insurance in Indiana (IN)Group health coverage cannot be turned down to qualified individuals because of a health concern and they cannot be charged more for the plan. Due to life changes which deal with children, marriage, death, and job loss, you may have special enrollment opportunities. A new employer can wait to offer group coverage. The look back period for pre-existing conditions is six months and the maximum exclusion period for regular enrollment is 12 months. If you have had continuous coverage or no break of more than 63 days, you will be entitled to creditable coverage. Some Indiana government employees have their protections limited within their group coverage and you should contact your employer to check on your possible inclusion. Get a quote for health insurance now.>> Small Business Health Insurance in Indiana (IN)Small businesses with two to 50 employees cannot be turned down for group health insurance. Although you can be charged limited increases in your premiums due to certain characteristics of your employee group, you cannot be cancelled due to their health issues. Self-Employed Health Insurance in Indiana (IN)The self-employed are not allowed group health insurance. It is recommended you contact the Indiana Department of Insurance for regulations that apply to membership in professional associations for their group health insurance coverage. Indiana Department of Insurance Get a quote for health insurance now.>> Indiana Programs (IN)The Indiana Department of Insurance offers a comprehensive guide for residents who are seeking health insurance. This brochure is intended to provide knowledge and helpful questions that should be covered before purchasing a new health policy. Indiana maintains a high risk pool called the Indiana Comprehensive Health Insurance Association for those who are not able to buy individual health coverage. There are also several programs in the state for low income residents. Health Insurance in Indiana Cities (IN)Learn more about health insurance (including medical facility details) in Evansville, Indianapolis, Jasper, Kokomo, Lafayette, Muncie, South Bend, and Terre Haute. Get a quote for health insurance now.>>
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Key Facts... In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family? Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you. Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan. Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003. |
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