Family health insurance plans in Indiana are surprisingly affordable since the price of covering everyone on a single policy is often less than purchasing separate plans. We understand that small copays, low rates and comprehensive preventive benefits are extremely important when comparing options. For more than 30 years, we have helped Indiana residents apply shop and purchase the best medical plans offered by all of the top-rated companies.

We help you find the plans that cost the least, but still gives you the best benefits. Rates are  always the best you can find  and  you can quickly compare options and apply for coverage any time of the day. We specialize in finding family coverage, regardless if the need is for catastrophic, comprehensive, short-term coverage, or an HSA. Health Savings Account information is found on this page.

It is important that your policy is inexpensive along with providing the benefits that you want.  And we understand that rates tend to increase over time, especially if you have been covered under the same plan. It “pays to shop” and our website is designed to reduce your costs.We also understand that not everybody is in perfect health. With the help of State Risk Pools and the Exchange, we can easily find policies for everybody, regardless of pre-existing conditions.

Also, there are several non-profit entities that can offer some basic informational assistance such as the Robert Wood Johnson foundation, who provides updates on the progress of healthcare reform in all US sates. The CHIP program (Indiana Children’s Health Insurance) helps children obtain low cost coverage. The Federal Balanced Budget Act (1997) was responsible for this program that has helped thousands of kids in the US.

The most common type of family coverage is a “comprehensive” plan. Typically, comprehensive policies include benefits for office visits (including specialists), prescriptions, preventive coverages, inpatient and outpatient expenses, major medical protection and emergency room charges. Most policies provide the office visit, prescription and preventive coverages without having to meet a large deductible, or simply none at all.

Naturally, higher deductibles will reduce the premium. Of course, a larger deductible means higher possible out of pocket expenses. However, you will see savings every year while the higher out of pocket costs might only be seen every 3-5 years (or possibly longer). And many policies now offer “vanishing deductibles”  that simply reduce the deductible each year you don’t meet it. Potentially, it can save thousands of dollars. If you start with a $5,000 amount, it can reduce to half of that amount. It’s a great inducement to stay healthy and out of the ER or hospital!

This type of plan will allow you to use your preventive benefit without meeting a deductible or copay, and you will not have to wait for the coverage to be effective. For example, once the policy is approved and in-force, you may schedule a routine annual physical  for yourself or any family member. Naturally, it’s still best to check with the insurer to verify coverage and to make certain your physician is “in Network.”

Most of the companies have very large provider networks. Sometimes, it’s the smaller carriers that force you to drive long distances for treatment. When Exchanges are active in 2014, the number of available physicians and hospitals will likely decrease, since the reimbursement is not expected to be enough to sustain may practices.

Some of the most popular comprehensive Indiana family health insurance policies are UnitedHealthCare’s “Copay Plus” and “Copay Value” plans, and Anthem’s “Premier” plan.  Rates will vary in different parts of the state, but each of the plans offers unlimited covered office visits, comprehensive prescription coverage and extensive preventive benefits. These types of plans are most appropriate when there are younger children on the policy who tend to utilize the office visit coverage more than adults. And if the need for specialist treatment is needed, your budget won’t take such a big hit.

We also recommend considering a Health Savings Account (HSA) for your family health care needs. An Indiana HSA will reduce your premiums and allow you to pay for your qualified medical expenses with pre-tax dollars. Preventive benefits are provided without having to meet a deductible and Network-negotiated discounts will reduce your out-of-pocket outlay. If your top priority is providing catastrophic coverage for large claims, an HSA could potentially save you thousands of dollars in premiums during your lifetime. Anthem, UnitedHealthcare and Medical Mutual often have the best options for high-deductible plans.

You’re able to see current rates by providing some basic information in the quote box at the top of the page. We don’t ask for your social security number or any other financial information. And the family and individual quotes are free without any cost or obligation. Our expertise and experience will ensure that you are always recommended the most affordable high-quality plans.

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