How cheap is temporary health insurance in Indiana? VERY cheap! Temporary health care coverage (also referred to as “short-term” coverage) often costs less than half of what other policies charge. Instead of paying hundreds of dollars per month, depending on the deductible and your age, you’ll pay substantially less. Usually, this type of policy works best if you are currently not working, temporarily without health care benefits or would like to drastically reduce your health insurance premium.

Indiana short-term insurance is cheap because it is generally used when your need for coverage is less than one year. There are no physicals and the standard application has less than 10 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, as always, the rates you view on our website are the lowest available from the major carriers.

Despite the quick approval, it’s important to note that pre-existing conditions are not covered and most prescriptions and office visits are subject to a deductible. Typically, deductible options range from $500 to $2,500. Since it is unlikely that you will be submitting a claim, a higher deductible may make more sense…unless you have a claim!

Although many companies offer temporary health care coverage in Indiana, usually, the least expensive options are policies with UnitedHealthOne, Celtic or Humana. 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.

Sample Rates for a 35 year-old male (Central Indiana)

$41 UnitedHealthcare Medical Value

$51 Humana Single Pay

$52 Celtic Single Pay

$53 UnitedHealthcare Medical Plus

Sample Rates for a family of three (35 year-old male and family with one child)

$96 UnitedHealthcare Medical Value

$116 Humana Single Pay

$123 UnitedHealthcare Medical Plus

$127  Celtic Single Full Pay

Of course, many other deductible options are available. We’re always happy to take the time to review your options and ensure this type of short-term coverage meets your individual or family needs. Feel free to email us, call us (888) 513 6446 or instantly view rates by using the Free Quote feature at the top of the page.

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