We help you find affordable Indiana Health Insurance Exchange 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 buying a policy for the first time, or simply can't afford your existing plan, you will be able to compare the best prices on our website. You can quickly find the Marketplace plan information you are looking for, apply for coverage and get covered.
There have been many recent changes, including the passage of the Patient Protection And Affordable Care Act (ACA) along with the establishment of the Indiana Health Exchange and Marketplaces. Federal subsidies could substantially reduce your rate if you qualify. And pre-existing conditions will no longer be considered when you apply for coverage. They are now covered.
Whether you live in Indianapolis, Richmond, South Bend, or any part of the state, we will show you the most popular medical options offered by the major companies. We will calculate your Obamacare subsidy, and explain how you can reduce your premiums with the help of new legislation.
The four companies that are offering Marketplace policies are Anthem Blue Cross and Blue Shield, Physician's Health PLan (PHP), Ambetter and MDwise. More than 50 options will be offered through Platinum, Gold, Silver, Bronze and Catastrophic, referred to as "Metal" plans. You also can apply for coverage during non-Open Enrollment periods if you have a "qualifying event" such as having a baby, losing your group benefits, or needing coverage because of a terminated plan.
Our personal and professional advice helps you compare the most popular and reputable highly-rated companies so you can simply choose the best options. Catastrophic, copay, short-term or HSA coverage are just a few of the options provided, 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. The newly-created Exchanges will be quite challenging, considering the complexity of plans along with the impact your household income now has on what you pay. Our three decades of experience and expertise will help you every step of the process.
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. At your request, we can handle the entire buying direct process from the initial quote to the delivery of the contract.
A submitted application can be approved within a few 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. During Exchange Open Enrollment periods, there may be some restrictions regarding effective dates of policies.
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. Of course, during Open Enrollment, these conditions are always 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 than in prior years, so it's critical for you to purchase the right type of policy with your out-of-pocket medical costs in mind.
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. Also, if your income changes, it could impact the amount of subsidy you receive.
You can "Get Free Quotes" at the top of the page, and compare direct or apply online for the best available plans. Prices and any approved benefit changes are updated daily. Typically, the most competitive plans are offered by Anthem Blue Cross Blue Shield (BCBS), UnitedHealthcare (markets their policies under the name "Golden Rule"), Humana, Assurant, and PHP.
Aetna and Medical Mutual no longer offer private coverage in the state. Unicare also ceased writing business. Golden Rule will offer "outside-Exchange" options which may be very attractive to households with income above $95,000. These policies avoid the government website enrollment process, so buying coverage is much easier and quicker.
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 do all of the shopping, comparing and researching for you.
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.