We help you find affordable Indiana health insurance rates for individuals, families and the self employed. We also provide the lowest online prices for your medical coverage. Regardless if you own your own business, you're not covered, or simply can't afford your existing policy, you will be able to compare the most affordable quotes in the state. You'll learn to quickly find the information you are looking for, apply for coverage and get covered.
Our personal and professional advice helps you compare the most popular and reputable highly-rated IN companies so you can simply choose the best options. Catastrophic, copay, short-term or HSA coverage are just a few of the options provided by most of the major insurers so you are presented with the best possible solutions. Shopping for new coverage can be a hassle, so part of our job is to make the process simple and easy for you.
If you're currently on COBRA, additional policies can be offered. If dental, vision or life benefits are needed, we can help. You have a budget to meet and we'll meet it. We act as your Exchange since we'll handle the entire buying direct process from the initial quote to the delivery of the contract.
A submitted application can be approved within 5-20 days and your coverage can be effective just as quickly. If you need immediate coverage, temporary policies can go into effect the next day, and you'll be assigned a policy number. If you have an existing in-force policy, or have had qualified benefits less than 63 days ago, your pre-existing conditions could be covered. Dependents and spouses can also be insured separately or on a private policy.
Often, the type of benefits you need is completely different than someone else. For example, a college student may be more concerned with specific policy options than someone getting ready to retire. Also, pre-existing conditions are treated differently by many medical plans in Indiana so it's critical for you to purchase the right type of policy. Our experience can help you make the right choice. Since rates and plan design can change, it's always a good idea to review your policy each year.
You can "Get Free Quotes" at the top of the page, and compare direct or apply online for the best available plans. The rates for each company are the lowest published and are updated daily. Typically, the most competitive plans are offered by Anthem Blue Cross Blue Shield (BCBS), UnitedHealthcare, Humana, Assurant, Medical Mutual and Celtic. Aetna no longer offers private coverage in the state. Unicare also left the state.
We realize that comparing copays, coinsurance, deductibles and coverages from several companies is not easy or fun. At any time, please feel free to contact us (the "contact us" link is at the top of the page) or call us at (888) 513 6446. We'll listen to what you say and give you our unbiased recommendations.
Low cost Indiana health insurance plans are found very easily on our website. Rates from many of the top Indiana carriers such as Anthem Blue Cross, UnitedHealthcare (UHC), Medical Mutual and Humana are provided so you can quickly consider your options. Each day we research and update low cost individual and family policies and show the quotes that are the lowest allowable by the Department Of Insurance.
There are no costs for utilizing this website and we are committed to saving consumers money and helping choose the best available plan. We understand that many consumers preferred to do business by phone or email, so our Agency is typically available. We are indeed live persons!
In a matter of moments, you can compare, save and apply online for affordable personal plans. We try to make it easy to find the most popular private and self-employed medical coverage. Purchasing a policy may not be as expensive as you think. There are many low cost policies that fit within your budget and give you the coverage you expect to have.
We’ll review your current options and also keep you informed on statewide and national reform and how it could possibly reduce (or, unfortunately...increase) your rates.The State Exchange Marketplace will provide a federal tax subsidy to help pay premiums. The amount of the subsidy is based on your income. We can easily and quickly calculate the amount you are eligible to receive.
Indiana “short-term temporary” coverage is perhaps the cheapest coverage available. Rates are almost always 40%-60% less than popular comprehensive coverage and this type of plan is ideal if you are unemployed, just graduating, between jobs or are waiting for Medicare. For example, a healthy 30-year old male can purchase short-term coverage for only $39 ($5,000 deductible) or $46 ($2,500 deductible) through Humana.
Lower deductibles are available through Humana and most other carriers. UHC (also known as "Golden Rule)," also offers inexpensive options, and we'll be happy to review all of the companies for you. Deductibles as low as $500 are available.
Many other affordable options can be viewed by simply raising the hospital deductible. Often, premiums will reduce by hundreds of dollars per month without having any impact on covered office visits and prescriptions. UHC’s “Copay Select” and Anthem's Premier PPO plans feature unlimited covered office visits and comprehensive prescription and preventive benefits. By raising the deductible, you can potentially save thousands of premium dollars each year. Anthem offers a $5,000 deductible option while UnitedHealthCare offers a $7,500, $10,000 and $12,500 option.
Other low cost policies are “Saver” and Value” plans offered by UnitedHealthCare and Anthem. Typically, they include limited office visit benefits, generic and formulary prescription coverage and higher out-of-pocket expenses on major medical claims. “Saver” and “Value” policies are cheap alternatives to higher-priced plans. Although coverage is less than many other available options, the monthly premium savings can be substantial. And all of your approved preventive expenses are paid at 100%.
Celtic Insurance Company (based in Chicago) has a "Basic" plan that is available if you want to keep premiums low and are willing to accept limited office visit benefits. The $3,5000 deductible policy is one of our favorites. However, $2,500 and $5,000 deductibles are also popular.
If you are being treated for a major condition or are uninsurable, we will assist you in obtaining coverage. The Indiana Comprehensive Health Insurance Association (ICHIA) offers coverage to individuals and families who can not qualify for medical insurance coverage because of their pre-existing conditions.
To qualify for benefits, you must have been previously denied for coverage and not be eligible for Medicare. Additional qualifications must also be met, and can be furnished upon request. Of course, after 2014, pre-existing conditions will not be used when underwriting an application.
We know that shopping for healthcare insurance can be time-consuming, frustrating and quite frankly...not a lot of fun! We can help. By providing your zip code at the top of the page, the process of finding the best options for you will begin. We know you'll like the rates and the companies are all top-rated. There is no obligation and there is no cost for using our expertise and experience.