Lowering Indiana Health Care Costs is possible! Regardless if you live in Indianapolis or Richmond, or you’re 25 and single or 45, and married with children, we’ll help you save money on your Indiana health insurance rates. Our website is packed with money-saving tips and current information.  Since we represent all of the top companies, we’ll compare all options and present you with the most affordable choices. We’ll also help you after you have purchased coverage since that’s when many questions are asked.

Shop Around!

That’s right. You won’t know how much you can save unless you know what other carriers will charge you. There might be very little difference or you may save thousands of dollars each year. We make it easy for you to compare the best health care in Indiana. And with more than three decades of experience, we’re confident the quotes you view will be the least expensive options offered by the most reputable companies. By doing the shopping for you, we’ll save you hours of time and frustration since we can quickly show you the best deals for you or your family.

Only Pay For What You Need

Of course, it’s impossible to accurately predict what your medical expenditures are going to be in a given year. However, chances are that they will closely approximate the expenses from immediate prior years. Thus, if you have averaged about one annual non-preventive office visit in the last five years, there’s a good chance that that pattern will continue. And if your health is good, you can change plans at any time.

This should not be the sole criteria you use when making your choices. There also may be extra “add-ons” that you are not using or are likely to use, such as maternity benefits, generic prescription coverage with high copays and dental or vision benefits that may not be needed. But don’t delete any coverage without first consulting an experienced broker. It’s possible that you may not be able add that coverage back so easily.

Consider an  HSA

Indiana has very affordable Health Savings Account rates. Anthem and UnitedHealthcare are usually the carriers with the lowest rates. Humana and Medical Mutual are often “in the ballpark” and should be given some consideration.

With an HSA, you have much greater control over how your health care dollars are spent and who gets them. Usually, there is “Network” coverage which allows the insured to choose a doctor, specialist or other medical facility for treatment. And one of the best features is that your insurer negotiates for you, often reducing your costs by as much as 50%-70% on certain items.

Although a “High Deductible” plan is required to accompany the HSA, the reduction in premiums offers the opportunity to deposit significant amounts of money in an account that pays for qualified expenses with tax-deferred dollars. You can freely take money out of the account since you retain complete control.

Is It Preventive?

Under most catastrophic AND comprehensive medical plans in Indiana, recognized preventive expenses are paid in full by the health insurance company. Clearly, it is important to closely monitor your billing statements and make sure they are coded correctly. If not, you may pay out of pocket for a procedure that should be covered in full. Since these lists tend to get updated every year, we’ll keep you current on any recent additions.

Tags: Indiana medical insurance costs, Lower Indiana Medical Insurance Rates, Lowering Indiana health care costs