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Cheap Temporary Indiana Health Insurance – Get Covered Immediately

How cheap are short-term health insurance rates in Indiana? Typically, temporary medical coverage is 50% less expensive than the cost of a conventional on and off-Marketplace or Exchange plan.  Instead of paying hundreds of dollars per month, depending on the deductible and age, your cost will be much lower, and extremely affordable. Usually, this type of policy works best if you are currently not working, temporarily without benefits, transitioning from one employer to another, or would like to drastically reduce your health insurance premium.

However, if you are working, but do not have coverage, a short-term policy will allow you to cover yourself quickly, and provide ample time to compare permanent options. We also show you how to easily pay for unexpected sickness and illness, and keep your rates low. The contracts are very flexible and easy to purchase. Often, benefits can be activated the same day since completing the short application takes about 10-15 minutes. Online enrollment is possible and only the first month’s payment is required. You may also cancel the policy at any time.

Although they are designed to be kept for a limited period of time, one additional renewal is typically allowed, subject to medical underwriting.  However, once per year, you can change to a Marketplace plan and purchase more comprehensive coverage. You may also enroll any time during the year for specific “qualifying life event,” that also entitles you to subsidy eligibility.  Common situations are moving to a different service area, losing credible coverage from an employer, divorce, or birth or adoption of a child.

Not ACA-Compliant

It is important to understand that this type of policy does not meet Affordable Care Act (ACA) guidelines since they do not include maternity, dental or other “essential required health benefits.” Regardless of your household income, a partial or full federal subsidy will not be paid and pre-existing conditions are not required to be covered on any policy you purchase. Any new previously unknown conditions will be covered, subject to policy deductibles and maximum out-of-pocket expense limits.

Furthermore, temporary contracts do not keep you from being assessed a potential 2.5% household income tax (individual responsibility payment) for not complying. The actual penalty is the higher of 2.5% of your income or $695 per adult and $347.50 for children under age 18. Thus, a family of four could potentially pay a fine (tax) of about $2,500, depending on household earnings. However, it is expected, that Trump Administration changes may reduce or eliminate the tax. By 2018 or 2019, new legislation will provide additional healthcare options in the US.

Did You Miss Open Enrollment?

Best Open Enrollment Plans In Indiana

Missed Indiana Open Enrollment? You Still Have Options!

If you missed Open Enrollment in Indiana, a temporary medical plan can be extended for up to three months, with possible additional coverage through a different company. The plan is designed to pay for larger claims, such as inpatient/outpatient expenses, major medical, and catastrophic illness and injury. Up to $1 million in benefits can be cheaply purchased, so running out of coverage should not be an issue. However, chronic conditions that require specialized treatment are generally best covered by a permanent plan.

As previously mentioned, since ST policies do not contain all 10 “Essential Benefits” (required to be compliant under Obamacare), they will not cover maternity and childbirth, pediatric dental, comprehensive mental illness, or pay for most (or all) pre-existing conditions. Generally, ER and Urgent Care visits, inpatient surgery, and outpatient surgery, are subject to a deductible and coinsurance. With many plans, you can elect a “per claim” or “per period” deductible option. Most Indiana hospitals provide network coverage to one or more carriers. In most situations, emergency treatment is a covered benefit.

Comparison of ST and Marketplace Options

The least expensive non-subsidized Silver-tier plan for a 35 year-old in Putnam County, costs approximately $271 per month (CareSource Low Premium Silver). The Caresource Federal Simple Choice Silver costs $288 per month, while the MDwise  Marketplace Silver Basic plan costs $303 per month.

A short-term plan (with a higher deductible) costs about $50 per month, which translates to about $2,500 per year in savings. A household income of $60,000 would generate a $1,500 penalty, still leaving a whopping $2,100 difference. And if a serious injury occurred, your maximum benefit should be more than enough to cover most expenses. NOTE: After 2017, the federal tax for not purchasing qualified coverage will be tweaked or removed.

Quick Approval And Limited Medical Questions

Indiana short-term health insurance (view more details here) is cheap because it is generally used when your need for coverage is less than one year. There are no required physicals and the standard application has less than five medical questions. If you’re not being treated for any major medical conditions, there’s a good chance your application will be approved within a few days (or less). And of course,  the rates you view on our website are the lowest available from the major carriers. NOTE: Temporary plans often have a small one-time enrollment fee of about $20-$25.

If you do have specific medical issues, you still could qualify for a policy. For example, allergies and most mental conditions should not keep you from getting coverage. However, the most serious illnesses such as cancer or diabetes would cause an application to be denied. In these situations, “limited benefit” coverage can be offered, although your portion of a large hospital bill will be higher than a short-term or Exchange plan. Because of the high out-of-pocket costs, we do not endorse or recommend these types of options.

Recently, several carriers, including UnitedHealthcare, have begun to approve applicants that are actively taking medication to control high blood pressure. If controlled and regularly monitored by a physician, an application could be approved. However, the combination of cholesterol and blood pressure medications will typically cause an application to be rejected. Also, the presence of blood-thinning medications, such as Coumadin and Xarelto will undoubtedly result in a denial of coverage. Oral medication for diabetes, cancer, or heart disease, will also likely cause a denial.

Using Exchange Plans For Short Periods Of Coverage

During Open Enrollment, for Indiana Health Exchange coverage, you do not have to qualify medically to purchase a policy. And since you can cancel your contract at any time, you can use them for a temporary need. Here’s an example:

Suppose you just exhausted COBRA benefits and you now need to find a new policy. You will reach age 65 in eight months and become eligible for Medicare. So, of course, you don’t want to keep your policy long-term. About eight months will be the perfect time period, assuming you can continuously renew three-month temporary plans. However, if a significant illness or injury occurs, you may not be able to renew the policy, and may incur large medical expenses. In this example, selecting a comprehensive individual plan is advisable, since it can be easily terminated when you reach age 65.

Enrolling in a Marketplace policy through our website will give you immediate coverage (since it is an “event” that allows you to enroll in or outside of Open Enrollment). You can also terminate  benefits when you become Medicare-eligible. If affordability is a major concern (assuming you do not qualify for a subsidy), a temporary plan could possibly be a solution.

Temporary Indiana Medical Covergae Online

Indiana Short Term Health Insurance Is Cheap

Despite the quick approval, it’s important to understand that pre-existing conditions are not covered on non-Marketplace contracts, and most prescriptions and office visits are subject to a deductible. Typically, deductible options range from $500 to $10,000.  Since it is unlikely that you will be submitting a claim, a higher deductible may make more sense…unless you have a claim!

Once a deductible has been reached, most companies pay for benefits at 80%. Your portion, of course, would be 20%. You can also consider reducing the coinsurance. However, 50% coinsurance plans can offer substantial savings. Other common policy features include emergency care, surgery expenses (inpatient and outpatient), diagnostic expenses and most of the fees associated with a hospital stay.

Although many companies offer temporary healthcare coverage in Indiana, usually, the least expensive options are policies with UnitedHealthOne, HCC Life, National General, and IHC Group. Anthem, in selected areas, offers competitive rates. It’s usually cheaper to pay for your coverage with one payment, although all carriers offer a monthly payment option. At any time, a policy can be canceled and you’ll receive a refund for the unused coverage.

These types of plans are ideal if you need coverage to be effective very quickly and you are mainly concerned with the most expensive type of claim. In fact, you can apply for another policy while a short-term plan is in effect. For example, if your temporary plan covers you through the end of the year, you can purchase new benefits during Open Enrollment which takes place in November and December for Jan 1 effective dates.

 

Sample Monthly Rates for a 35 year-old male residing in Indianapolis (Marion County)

$47 – HCC Life $7,500 deductible and 50% coinsurance

$51 – HCC Life $5,000 deductible and 50% coinsurance

$54 – HCC Life $2,500 deductible and 50% coinsurance

$67 – National General $5,000 and 20% coinsurance

$75 – HCC Life $1,000 deductible and 20% coinsurance

$86 – HCC Life $500 deductible and 50% coinsurance

$95 – Anthem  $5,000 deductible and 50% coinsurance

$107 – Anthem $2,500 deductible and 50% coinsurance

$127 – Anthem $1,000 deductible and 50% coinsurance

 

Sample Monthly Rates for a 35 year-old married couple with one child (3 persons) residing in Indianapolis (Marion County)

$85 – IHC Group $5,000 deductible and 50% coinsurance

$93 – IHC Group $7,500 deductible and 20% coinsurance

$99 – IHC Group $2,500 deductible and 50% coinsurance

$140 – National General $3,500 and 20% coinsurance

$143 – HCC Life $5,000 deductible and 50% coinsurance

$186 – HCC Life $5,000 deductible and 30% coinsurance

$207 – Anthem  $5,000 deductible and 50% coinsurance

$235 – Anthem $2,500 deductible and 50% coinsurance

$286 – HCC Life $500 deductible and 50% coinsurance

 

Sample Monthly Rates for a 45 year-old female residing in Fort Wayne (Allen County)

$55 – IHC Group $5,000 deductible and 50% coinsurance

$59 – IHC Group $7,500 deductible and 20% coinsurance

$63 – IHC Group $2,500 deductible and 50% coinsurance

$129 – Anthem  $5,000 deductible and 50% coinsurance

$133 – UnitedHealthcare $5,000 deductible and 50% coinsurance

$136 – IHC Group $500 deductible and 50% coinsurance

$141 – Anthem $2,500 deductible and 50% coinsurance

$161 – National General $2,500 and 20% coinsurance

$195 – HCC Life $500 deductible and 50% coinsurance


Indiana Health Insurers File For 2017 Rate Increases In Marketplace

How much will health insurance in Indiana cost in 2017?  Every company that is licensed to offer Marketplace plans has completed and submitted their rate request to the Department of Insurance. We have summarized the requests below. Open Enrollment begins November 1st and ends January 31st 2017.

 

Advantage Health Solutions

25.00% – HMO Small Group

 

Aetna

4.57% – Fee-For-Service Small Group

8.76% – PPO Small Group

 

All-Savers Insurance Company

-.02% – Small Group

 

Anthem BCBS

-4.59% – HMO Off Exchange Small Group

4.35% – POS On Exchange Small Group

-1.85% – HMO On Exchange Small Group

33.79% – POS Off Exchange Individual

29.78% – HMO MSP Individual

28.28% – HMO Individual

32.79% – POS Individual

28.58% – HMO Off Exchange Individual

 

CareSource

16.14% – HMO Basic Individual

13.41% – HMO Enhanced 2015 Individual

 

Celtic (Ambetter)

-5.51% – Ambetter Individual

-4.40% – Ambetter Vision + Adult Dental Individual

-5.24% – Ambetter + Vision Individual

 

Federated Mutual

15.49% – Small Group

 

Humana

8.43% – Small Group

1.13% – HMO Small Group

7.62% – Indemnity Small Group

6.96% – PPO Small Group

 

Indiana University Health Plans

9.39% – Marketplace Plus

5.03% – Small Group Product

-25.38% – POS Small Group

4.46% – SG POS Small Group

10.60% – Individual Product

 

MDwise

11.47% – Marketplace Individual

12.01% – MarketplacePlus  Individual With Adult Vision

 

National Health Insurance Company

9.76% – Nationcare Small Group

 

Physicians Health Plan (PHP)

6.03% – Small Group HMO

6.58% – Small Group POS

 

US Health And Life

3.12% – HSA Small Group

4.13% – PPO Small Group

 

UnitedHealthcare

1.60% – PPO Small Group

1.60% – PPO With Morbid Obesity Small Group

5.50% – EPO With Morbid Obesity Small Group

4.25% – Choice Plus Small Group

9.25% – Choice Small Group

2.15% – POS With Morbid Obesity Small Group


Vice President Mike Pence – If Elected, Here Is What To Expect

Indiana Governor Mike Pence has a great chance to become the nation’s next Vice-President, as Donald Trump and Hillary Clinton campaign for America’s votes.  If the Trump/Pence ticket wins in November, you can expect several changes to occur within the first 100 days of the Presidency.

Enjoy our tongue and cheek “Top 10” list below of the positive changes that a Donald Trump/Mike Pence ticket will bring to Indiana.

 

Pence Trump Ticket

Can Mike And Karen Pence Make It To The White House?

 

Indiana will become  great again! Unemployment will drastically reduce and Caterpillar, Proctor And Gamble, Ford, and Microsoft will all move their home offices to the Hoosier State, creating more than 100,000 new jobs. The State income tax will be eliminated, although a new 22.4% beverage and food tax will be initiated.

 

Financially-strapped Kentucky will disband, and become part of  the new “Greater Indiana.”  Larger cities in the state will also officially change their name. For example, Louisville, will now be known as Fort Wayne, and Lexington will be known as Indianapolis. And of course, the Kentucky Derby will change their name to “The Great Hoosier Race.”

 

Obamacare will be repealed and replaced by state-specific programs. Indiana’s state healthcare program will be called “PenceCare,” and will require all residents to abstain from diet soda, and have four complete physicals each month. All prescriptions will be free, and to reduce expenses, in-hospital stays will be shared with six other patients in your room. And to increase popularity of the program, Indiana Marketplace health insurance plans will include free autographed pictures of Donald Trump.

 

The winner of the Indianapolis 500 will be invited to the White House for an official recognition ceremony. The drive from Indiana to Washington D.C. usually takes about nine hours along Interstate 70 and other highways. Because the actual winner will be driving, and the complete route will be temporarily closed to the public, the trip should take less than three hours, with top speeds reaching more than 200 miles per hour.

 

A new “Pence Tower” (modeled after the “Trump Tower”) will be built in Richmond. Costing more than $2 billion, the 95-story complex will include hotel rooms, a small basketball arena, two entertainment centers, a bull-fighting ring, and 27 restaurants. Room rates will cost between $950 and $10,000 per day, depending upon the size of the pool, which every room will have.

Bob Knight Indiana Hoosiers

Coach Bob Knight Will Make A Triumphant Return To Bloomington

The National Hockey League (NHL) will award  a franchise to Bloomington, with the team named the “Knight Red Sweaters.” And yes, Bob Knight will be the inaugural General Manager in charge of player development, contract negotiations, and chair-throwing. All fans will receive  a 25% discount on food and drinks, if the wear a red sweather to home games.

 

Nintendo will release the sequel to its ultra-successful game Pokemon Go. Titled “Pence Go,” the new game will be similar to its predecessor with a few changes. “Pence Go” players will receive health insurance deductible credits for every Pokemon that is captured, and  2,500 new PokeStops will be created in random locations within the Hoosier State. There will be no cost for playing the game, although excessive participation can result in a fine from the Department of Health and Human Services (HHS).

 

The movie “Hoosiers” will be played at all White House functions, including weddings, inaugurations, and foreign dignitary visits. A special trivia contest will be enjoyed by all White House visitors, and a free iTunes download will be offered. The epic movie from 1986 also will also be shown on all Air Force One flights and a large picture of Gene Hackman will be painted on both sides of the plane.

 

A 17-story statue of Mike Pence will be erected in Columbus, where Mike was born in 1959. It will be a beautiful structure with multiple restaurants, office space, meeting rooms, and hotel accommodations able to fit inside the statue. One big problem though. The monstrosity is accidentally built in Columbus, OHIO, and not Columbus, INDIANA. Whoops. After months of negotiations, several structural changes are made, and the building suddenly resembles Ohio State Football Coach Urban Meyer, instead of Pence.

 

The Pence Candy bar will begin full production, with distribution expected into most Midwestern States by March of 2017. The  two-ounce candy bar will sell for $1, and be available in most grocery stores. In an effort to reduce calories and fat, chocolate will be replaced by bean sprouts, and sugar will be replaced by a combination of pepper, thyme, and cinnamon.