Affordable health insurance in Indiana
 | health insurance rates
You may think that low cost Indiana medical health insurance is a thing of the past, yet it's not. Here's the way to get low cost Indiana medical health insurance with a government program or with a private insurance company. Indian Health care insurance Options You have four alternatives for low cost health insurance in Indiana. These are: Low Income Health Insurance health insurance rates The state of Indiana offers health insurance to individuals and families who do not want private health insurance. These state sponsored programs include: * Medicaid, which can be available to children, teenagers, pregnant women, and low income families. * Hoosier Healthwise, that's available to children, expectant women, and low-income families. * Medicare, which is a federal health insurance program offered to people 65 or older, and for people who are disabled. To learn more about these programs, go to the Indiana Department of Insurance websites at: in.gov/idoi Risky Health Insurance * Comprehensive Medical health insurance Pool (CHIP), which can be available to people with pre-existing health problems making them ineligible for private health care insurance. For more information on this program, check out the Indiana Department of Insurance website at: in.gov/idoi Private Medical insurance There are two basic types of private health insurance plans obtainable in Indiana. They are: * Indemnity plans, otherwise known as fee-for-service plans, which are the priciest plans. These plans provide medical care in exchange for a premium plus a deductible (usually $500 to $2,000). With one of these plans you may use your physician and hospital that you pick. * Managed Health care insurance options (HMOs, PPOs, POSs), which are the least expensive plans. These plans provide health care in return for a premium and a co-payment (usually $5 to $10 per doctor visit). With one of these plans you must work with a doctor or hospital in a network of medical professionals, or pay yet another fee to use a non-network doctor or hospital. Where to Get Low Cost Indiana Health care insurance Health insurance premiums can differ dramatically form one insurer to the next, so the very first thing you need to do to get low priced health insurance is to compare rates from different companies. The simplest way to do that is to check out an insurance comparison website. |
