Indiana health insurance comparisons are easily viewed on our website. We realize that comparing dozens of different health insurance plans from the major Indiana insurers is not easy. For that reason, we use the nation’s top quote engine, so that comparing price and coverage becomes a simple process. And we highly recommend that you ask our advice when comparing your options.

Indianainsurancehealth.com is the premier trusted resource for affordable Indiana health care. Easily, you can view, compare and apply for quality plans from the top carriers, such as Anthem Blue Cross, UnitedHealthCare, Assurant, Humana and Celtic. There are never any fees for using our service and the rates you view are the lowest allowable published rates from each carrier. Aetna and Cigna no longer offer personal health plans in the state, so we have deleted them from our database.

Although any comparison of medical plans must include the cost, we feel it is equally important to ensure you understand the how benefits and exclusions differ from one plan to another. Each Indiana health insurance policy is different, and while it is very difficult to review every page of the contract, we try to take the time to point out the coverage, benefits and exclusions that are likely to affect you the most. The best policy for someone else may not be the best policy for you.

Our quote engine provides rate and coverage information that is updated daily, and allows Indiana consumers to create multiple scenarios in seconds. We realize that some of you will want a high-deductible catastrophic plan, while others may prefer a traditional comprehensive plan with low copays. And of course, Indiana Health Savings Accounts have become increasingly popular and are one of the most widely-viewed plans from customers. As you view these different options, we are always available, via phone or email to offer our expert advice, and make sure the policy you select is going to meet your needs at a cost that stays within your budget.

Any Indiana health insurance comparison must take into account the underwriting guidelines of each company. For example, taking high blood pressure medication will not substantially increase the rate. However, specific carriers may be more lenient, so it’s important to take that into consideration. And of course, major health conditions such as heart disease and cancer may require a “guarantee issue” policy, which we’ll be happy to discuss with you.

You should be able to instantly view quotes by opening up the link that was emailed to you. If you need assistance, please don't hesitate to call or email us. Comparing Indiana health insurance plans is what we do best, and we're here to help.

Health care reform in Indiana is underway. The “Affordable Care Act,” also known as “Obamacare” is helping many Indiana consumers with their health insurance benefits. But the legislation remains very controversial, and will be reviewed by the Supreme Court in 2012. It is possible that the entire Bill (or parts of the Bill) will be invalidated and overturned.

One of the key components of the legislation (and one of our favorites) is the removal of waiting periods and deductibles from approved preventive services. Along with annual physicals, well checks and mammograms, other covered benefits include adult blood pressure and cholesterol screening, depression and Type 2 diabetes screening, immunizations, and many other items.

Other changes already implemented include the elimination of lifetime caps on paid covered benefits, creation of “state high risk pools” and eliminating the practice of rescinding policies.

However, Obamacare has not reduced rates and it is widely expected that rates will substantially go up when the full implementation takes place (although tax credits may reduce the premium for selected consumers). The Indiana Health Insurance Exchange, if and when created, is expected to become an option for Indiana residents to buy their health care.

But without the assistance of experienced licensed professionals, consumers may have to fend for and navigate themselves on an impersonal website. In fairness, many details have yet to be worked out, so we’ll keep you informed of any update or change that affects your personal health care.

Although there are a few government websites that offer health care information, the vast majority of Indiana residents we talk to prefer to work with experienced licensed brokers that are unbiased and work with Indiana medical plans on a regular basis. And yes…that’s us!

Our website will continue to provide Indiana residents with current rates from the major insurance companies in the state, which include Anthem Blue Cross, Medical Mutual, UnitedHealthcare, Celtic and Assurant. Until recently, Cigna and Aetna offered competitive plan options, but both carriers have ceased writing individual business in the state.

Please feel free to check this page on a regular basis for updates to Indiana health care reform issues. The "Affordable Care Act" may be changing.

12-19-2011 UPDATE- We finally have a date! March 26-28 is when the Supreme Court will meet and listen to testimony regarding the legality of Obamacare. So far, 26 states have joined together in an effort to overturn part or all of the legislation. An official determination will probably be made by the Court in June.

Indiana medical insurance doesn’t have to cost you an arm and a leg. There are quite a few affordable plans that will offer coverages that you would expect to find in more comprehensive plans, and the rates may pleasantly surprise you!

At indianainsurancehealth.com, our job is to find the Indiana medical insurance policies that allow you to pay the premium that you can afford, but still give you the health care coverage that’s most important to you. We don’t take any shortcuts. We’ll spend the time needed to research all of your options and we will never recommend a “discount” plan.

A Few Of Our Best Tips That Will Help Reduce Your Rate

Let us do the hard work for you. We know it’s time-consuming, confusing and frustrating trying to choose (or even understand) the best health care policies. But by providing the information needed for a quote, you’ll be presented with the best options in an easy to understand format. And you’ll have a live person to talk to or email any time.

Don’t buy health insurance from a TV commercial. Many of those ads are “limited benefit” plans that will provide much less coverage than you need. Many folks have found out the hard way when only $4,000 of their $25,000 hospital bill is covered. In fact, many of those plans are not classified as insurance. They are only “discount plans.”

If you think you’re paying too much, maybe you are! Medical insurance in Indiana is not nearly expensive as in many other states. Have you recently checked the rates in New Jersey, New York or Massachusetts? You don’t want to! In some instances, the longer you have been with a specific company, the more competitive the rate becomes.

For example, if you are in reasonably good health, and you have been insured with the same company for more than three years, it may be a good time to view current quotes (see quote box at the top of the page). You may save a lot, but, of course, we don’t recommend cancelling a current plan until you have been approved (in writing) for the policy you applied for. Also, it’s important to understand the terms, conditions and possible exclusions of the newly issued coverage.

Don’t pay for coverage that you probably won’t use. The biggest offender here is maternity coverage. Indiana maternity benefits are VERY expensive. You probably don’t have it if you have an individual policy. But if you are paying for it, the cost is probably in excess of $4,000 per year. Low deductibles will drastically increase your premium. If you rarely (if ever) meet your deductible, raising it can potentially save you thousands of dollars each year. Yes…you do take on more risk and you will have to weigh the risk vs. the potential money you will save.

Our software constantly updates Indiana medical rates (usually daily) so the information you view is very current. We also try to make it very easy to view your options. You’ll notice there are fields at the top of the page where you can request your free quote. You might be surprised at how affordable coverage is!

Indiana student medical insurance is a necessary requirement for most full-time students. Rates are generally very affordable and often, purchasing a private student health insurance plan is the best option. You can easily request a quote at the top of the page. Most plans can be kept short-term or ling-term, depending on your specific need.

We represent the top Indiana insurers and offer the lowest available published rates for college, university and graduate students in the state. Plans from Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Assurant, and Celtic are provided that will include comprehensive benefits at the most reasonable cost. There are also options for international students who may be visiting the state.

Office Visit Coverage

All policies include recognized preventive services that are covered at 100%. An annual routine physical would have no waiting period and no out of pocket expenses. Other office visits are covered with small copays, typically ranging from $25 to $40. Depending on the policy, specialist office visits are also covered.

Prescription Coverage

Prescription coverage is included on most student medical insurance plans in Indiana. Although it is often a better option to pay generic drugs out of pocket, usually there is a copay available in the event of an expensive generic drug. Non-generic or “brand name” drug costs are the most expensive, so it’s important to review the specific benefits on personal student plans.

Indiana College And University Requirements For Students

Each college and university in the state has their own requirements. Whether you’re attending Indiana State, Notre Dame, Ball State, IU, a community college or a specialized medical or trade school, you probably will be required to purchase medical coverage. Some university plans are cheap and some aren’t. Some college plans offer great benefits and others don’t. Perhaps that’s where we can help most. When you view free quotes on our website, it will be easy to compare the best available student medical plans with the plans offered by the school.

Advantages Of Having Your Own Plan

Selecting your own plan can have many advantages. Of course, the premium may be lower, which will provide a healthy savings over the years you are required to keep coverage. But the coverages on a policy you purchase may be substantially different than a school-provided policy. Often, the major medical and prescription benefits are much greater which would be critical if you have a major illness or accident.

Also, purchasing your own private plan will likely provide a much broader network of covered physicians and hospitals. For example, UnitedHealthcare extends throughout the entire US…not just in-state. Medical Mutual and Anthem Blue Cross also have large Networks. Many University-sponsored student health insurance plans in Indiana may require you to use campus or local facilities.

Will A Private Student Plan Satisfy The Requirements That I Have To Meet?

If you are required to have medical coverage through a university or school, often there are several “requirements” you must meet. It may be meeting a specific maximum deductible, or a specified benefit your policy must have, such as preventive or mental illness coverage. Each university or school requirement is different and we’ll take the time to determine what coverages you must have and what the least expensive way is for you to show proof that you have them.

There will be instances when the plan offered to you from where you are taking classes, will be a “better deal.” It may be because of specific existing health conditions or the offer you receive is just too good to turn down. Part of our job is to help you understand your choices so that you can obtain the most student coverage at the least possible cost. Request your free quote at the top of the page.

Health insurance for Indiana’s self-employed is easily provided at very affordable rates. Personal Individual and family medical coverage often contains benefits featured in more expensive group plans, but yet, many low cost Indiana self employed health insurance policies are offered by the most respected companies. Our job is to research hundreds of top-rated plans and present the policies that will provide you with exactly what you want.

We work closely with small business owners to provide the lowest cost health care options that will still provide the quality benefits that are needed. Indianainsurancehealth.com works with major reputable companies such as Anthem Blue Cross Blue Shield, Medical Mutual, UnitedHealthcare, Assurant and Celtic so we can research all available options and present you with the plans that best fit your personal situation. We also keep you well-informed so that you know when carriers no longer offer private plans in the state, such as Cigna and Aetna.

If you have become self-employed within the last 12 months, then reducing health care costs is probably a major priority. The best way to protect against major claims and at the same time, keep premiums low, is through a “catastrophic” plan. Generally, these types of plans will cost hundreds of dollars per month less than a comparable office-visit copay plan.

Catastrophic medical coverage in Indiana is available as a “High Deductible Health Plan (HDHP), which provides low premiums with higher deductibles (typically $2,500 to $10,000). With the exception of qualified preventive expenses, all medical claims are subject to the deductible. However, once the deductible is met, many plans pay 100% of covered expenses. This type of coverage also works in conjunction with a Health Savings Account (HSA).

An HSA will not be the perfect solution for every person that is self-employed. We will take the time, however, to carefully consider your personal circumstances to determine if that type of policy is in your best interest. Although it’s hard to predict, if you anticipate going back to work for an employer within 12 months, an HSA may not be the ideal choice. However, any remaining money that has been deposited into your account can be withdrawn and you will not lose any of the funds.

If you have a chronic illness or multiple major health conditions, it is important to continue your coverage with your existing company. If you are eligible for COBRA, you should strongly consider taking advantage of your offer, which should be in writing. Even if you exhaust your COBRA coverage, a HIPAA plan may be available if you have not had a break in coverage for longer than 63 days and you are not eligible for Medicare. Most conditions are accepted by insurers so it may be worthwhile to compare your COBRA premium with the cost of purchasing a new private plan.

If you’re self-employed and live in Indiana…we’ll help you find affordable medical coverage at a rate that will fit within your own budget. The quotes and comparisons we provide are free (the quote button is at the top of the page) and you can always call or email us for personal assistance.

Indiana catastrophic health insurance plans are the least expensive type of medical coverage available to individuals and families. Rates are approximately 20%-50% less than comprehensive plans and most of the Indiana health insurance companies offer this type of plan.

UnitedHealthCare, Anthem Blue Cross, Humana, Medical Mutual and Celtic feature low cost catastrophic plans that are easy on your budget, but still provide outstanding major medical and preventive benefits. Deductible options range from $500 to $10,000 and various coinsurance choices are also available. Another advantage of this type of policy is that historically, premiums increase less rapidly for high-deductible plans compared to other policies with richer benefits.

Indianainsurancehealth.com is the state’s premier trusted authority for Indiana health insurance plans. We represent all of the major companies and provide the lowest filed published rates by each carrier. Very quickly, you can pick the best plans, compare benefits and prices, and apply for coverage. You can apply online or have an application faxed, emailed or mailed to you. There are never any fees and we’ll continue to provide support after your policy is approved.

Catastrophic health insurance policies in Indiana typically cover major items, such as inpatient and outpatient hospital expenses, emergency room charges, facility fees, additional fees charged by doctors, surgeons and nurses, anesthesia, and many other expenses associated with a hospital stay. Office visits and outpatient prescriptions are generally not covered, although recent health reform changes now require these types of policies to include preventive benefits. This includes many required expenses for children.

Indiana Catastrophic Health Insurance Rates

UnitedHealthCare’s “Saver 80” plan is one of the most popular and affordable catastrophic plans in Indiana. For example, a healthy family of three (ages 40, 40 and 8) in the Indianapolis area would pay approximately $190 per month for a plan with a $5,000 deductible and $225 per month if the deductible is lowered to $2,500. Individual rates are substantially lower. Savings can be thousands of dollars or more.

The most common type of catastrophic coverage is a “High Deductible Health Plan” (HDHP), which must be used to open an Indiana Health Savings Accounts. An HDHP has minimum deductibles of $1,200 for an individual and $2,400 for a family. Once the deductible is met, covered medical expenses are paid by the insurer. However, qualified preventive expenses are not subject to the deductible.

Since an HDHP costs substantially less than traditional health care, the difference in premium can be deposited into the Health Savings Account. Money in the Health Savings Account are handled by you and can be used to pay for qualified health, dental and vision expenses on a tax-favored basis. Many low cost Health Savings Accounts are offered by Indiana health insurers. When you use the quote feature on our website, you'll be able to compare specific HSA rates. I have an HSA (I have had it for many years) and have been very pleased with the results.

Although it’s hard (almost impossible) to accurately predict what medical expenses you are going to incur, traditionally, Indiana catastrophic health insurance plans work best when any children in the household are at least 12 years-old and all family members rarely visit the doctor or take any prescriptions. The savings can be thousands of dollars per year which is an attractive option to consider. We’ll help you make the right decision by reviewing which plans best fit within your budget, but still provide the coverage you are likely to use.

After you enter your zip code at the top of the page, within minutes, you'll be able to view how low these rates are. If you apply for a policy, and you are currently insured, please do not cancel your plan until you have been approved for new coverage.

Indiana health insurance for the uninsured is available at surprisingly low rates. Inexpensive health care coverage is offered by Anthem Blue Cross, Aetna, UnitedHealthOne, Humana and Celtic. Plans for individuals, families and the self-employed give the uninsured many different Indiana health insurance options to consider. And generally, there is no rate penalty for not having prior coverage. When you request a free quote on this page, quickly,you'll be able to see the most affordable options.

Indianainsurancehealth.com is one of Indiana’s most trusted providers of Indiana health care plans. The rates you view on this website are the lowest published rates provided by each carrier. We make it easy for you to compare premiums and benefits and apply for quality medical coverage without paying any fees. We’ll help you determine what type of policy is best for you, and what company offers the most affordable price for the coverage you want.

A popular policy for those without coverage is a temporary short-term plan. This type of policy is the least expensive type of Indiana health insurance for the uninsured. Coverage is designed to be kept for 1-12 months and it is ideal for persons that are laid off, between jobs, graduating students from high school or college, seasonal workers or waiting for Medicare to begin. Typically, Celtic, Humana and UnitedHealthOne offer the most competitive rates. Policies are issued and approved quickly and can be terminated at any time. The selected deductible applies to all coverage which keeps the rate low.

“Catastrophic” or “High Deductible” plans also tend to be easy on the budget. Often used with Indiana Health Savings Accounts, these low cost policies cover major medical expenses such as hospital expenses, emergency room charges, inpatient and outpatient expenses and professional fees of doctors, nurses and surgeons. Typically, office visits, prescriptions and other benefits are not included. However, for persons interested in keeping rates low in return for taking on additional risk, it is an ideal choice. Also, routine physicals, well-baby exams and OBGYN exams are covered without any out of pocket cost.

Unlike auto insurance, with most companies, you will not be charged a higher rate because you don’t have prior existing health insurance. However, pre-existing conditions may not be immediately covered for any person that is uninsured at the time an application is submitted. Often, however, after a waiting period, if the policy is approved, existing conditions will be covered. We’ll be happy to personally discuss your specific situation and recommend the company and  plan that works best for you.

Other Options

Indiana residents under the age of 65 who are blind or disabled may be eligible for health care under Indiana’s Medicaid program. Families with children and pregnant women who meet specific financial guidelines may be eligible to receive benefits under “Hoosier Healthwise.” For additional information on health insurance coverage for low-income families, please contact us and we'll provide additional information. 

Indiana, like many states, did not expand the high-risk insurance pool program to cover certain pre-existing conditions. Instead, the US Department of Health and Human Services is in charge of that task. Indiana Governor Mitch Daniels correctly pointed out that costs and requirements were unknown (in March) and federal funding for the project might run out before it ends in 2014. It is possible that there will be a Supreme Court decision in 2012 that will determine and possibly shape the future of these programs.

To easily view some of the best Indiana health insurance plans for the uninsured, you can fill in your zip code at the top of the page. Not all plans are alike and that's where we can help with finding the "right" plan for you.

You can easily review health insurance in Indiana. In fact, analyzing medical coverage in Indiana is much easier than doing the same in other states, such as Ohio, Illinois and Pennsylvania. The main reason is that there are less participating large carriers in the state than many other states.

Since Aetna has exited the marketplace, the main health care providers in the state are currently UnitedHealthcare, Anthem Blue Cross Blue Shield, Medical Mutual, Celtic and Assurant. Unicare also stopped offering new business a few years ago.

Indianainsurancehealth.com is Indiana’s one-stop website that provides you with the absolute lowest rates from each company, easy application process and updated national health care reform information. We make it simple to look at medical coverage from the best health care companies that you can do business with.

What Types Of Coverages Should I Review?

Naturally, price is important. Any time you can save more than three hundred dollars per year, that’s a good starting point. But the cost of your insurance is only one factor. A key consideration is if the deductible applies to covered physician visits and prescriptions. A policy that has this feature will cost less, but you will have higher out-of-pocket costs if you incur any non-preventive office visits or RX claims.

Another important coverage is the prescription benefit. Most of the best comprehensive plans include both generic and non-generic prescription coverage. Although this raises the premium, it provides important protection if you are afflicted with a serious disease such as rheumatoid arthritis. Plans that offer just generic RX benefits will cost less, but it’s advisable to determine if the savings is worth excluding a potentially valuable portion of the policy.

When comparing health insurance in Indiana, the maximum out of pocket money you will pay in a calendar year is perhaps the most important consideration. By combining coinsurance and the deductible, you can determine the most money you will have to pay for a major claim. Typically, there is a cap on coinsurance expenses of about $2,000 - $5,000. Thus, if your deductible is $1,000, if you have a $1 million claim, you may have to pay a maximum of $3,000 out of your own pocket. And actually, that’s a reasonable amount to expect to pay.

However, when you review Indiana medical coverage, you may notice that coinsurance can range from 0% to 50%. Naturally, a higher coinsurance increases your risk, but also lowers your premium. A combination of high coinsurance AND a high deductible could save you a substantial amount of money in premiums. And if you rarely use that part of your policy, it may be worth taking that risk.

How you pay for your policy should also be a factor in the decision-making process. The vast majority of insurers allow you to pay monthly, either by electronic withdraw or by billing you directly at home. It’s possible there may be an extra fee for receiving your billing statement through the mail. But you should never pay an application fee when you apply for Indiana health care coverage.

The lone exception is a short-term policy which may include a one-time fee of approximately $20. However, if you are asked to pay a fee, and it is not for temporary coverage, you might be considering a “discount plan, which we never recommend or endorse.

Compare and save! That’s our motto. Please utilize our website to easily view free quotes and reduce your premium. Whether you need a family or individual plan, we’re committed to finding you the most affordable choices.

Indiana health insurance companies offer affordable coverage to Indiana residents. Attractive private policies are available from the major companies which include Anthem Blue Cross, UnitedHealthCare, Humana, Assurant, Medical Mutual and Celtic. Health insurance rates in Indiana have remained fairly low because of the competition between the different carriers. And this should not change for the next 12 months.

Indianainsurancehealth.com is your one-stop resource for health care benefits. We represent all of the major companies in the state and provide published rates that are the lowest filed by each carrier. Only the highest rated companies are used and no “discount plans” will ever appear on this website. Whether your need is high-deductible, copay, short-term or Health Savings Account coverage, we’ll examine all of the personal plans from the top Indiana health insurance companies. We’ll also help you choose the plan that provides the benefits you need and at a cost you can afford. As your needs change, we'll help you adjust (if neeeded) your policy benefits.

When applying for coverage through this website, there are never any charges to pay or mysterious bills that suddenly appear. Only the Indiana health insurance company that you have applied with will have access to your personal medical information. You also can request to view any information that was used in the underwriting of your policy. Theses companies take your privacy seriously.

High deductible health care plans are the least expensive type of coverage that Indiana companies offer. Typically, these types of plans cost approximately 25%-50% less than comparable comprehensive policies and generally offer little or no office visit and prescription coverage (other than mandated preventive benefits). However, they are ideal for individuals and families that are mostly concerned with major medical claims, rather than occasional office visits or prescriptions. UnitedHealthCare’s “Saver 80” plan is one of the top catastrophic policies. Indiana Health Savings Accounts also use “High Deductible Health Plans” when offering coverage.

Indiana family health care plans are popular when there are young children in the household. Often, this type of plan offers copays for most covered office visits and prescriptions and 100% coverage on preventive benefits. While rates are higher than most other types of policies, most Indiana health insurance carriers offer optional deductibles on the major medical claims to keep premiums affordable. Some of the more popular comprehensive plans are the Anthem Blue Cross “Premier” plan, UnitedHealthCare “Copay Select” plan and the UnitedHealthCare "Copay Select Value" plan.

Most companies also offer special policies that will limit certain office visit and/or RX benefits in return for cost savings (The "Copay Select Value" is one example). Contracts like these may be very beneficial to you although it is important to completely understand anybenefit reduction and the impact on you or your family.

To make it easy for you to view free quotes, we created a section at the top of every page on the website where you can enter your zip code. This will allow you to start the quick process of comparing rates and coverage of the best available policies. And yes...you can even apply for coverage today!

How do you apply for an Indiana health insurance policy? We realize the process isn’t easy, so we have designed the pages in this website to be consumer-friendly, and allow you to review and compare rates and coverages before you actually apply for a plan.

Provide Some Basic Information

The first step in the process asks you to provide some basic information after you click on the “Request A Quote” button at the top of the page. You do NOT have to enter personal details such as your social security number. However, your date of birth, zip code and contact information may be needed so that the rates you view are accurate. Indiana medical insurance costs are heavily determined by the county where you reside, and of course, your age. For example, UnitedHealthOne might have great rates in the Richmond area, while just 20 miles in another direction, the rates could be 20% higher. The same would apply to all carriers.

View Your Quotes

This is easy. The “viewing” part, that is. Understanding what you are looking at is another story. Anthem’s policy may look good until you notice that UnitedHealthcare’s rate is less. But wait. What about Medical Mutual or Humana? All of a sudden, their rate appears to be the best option. Get the picture? Yes…it can get very confusing. We try to help you understand your options by taking into consideration your personal needs and matching you with the plans that will work best for you.

Although, on our website, you can easily compare hundreds of different Indiana health insurance plans with another hundred coinsurance and deductible options, ultimately, there are about 3-6 plans that will best match the price and coverage you are looking for. We’ll find and identify those plans for you, so that you can easily compare and apply for the coverage you want. If you're on a tight budget, you might be surprised to see some of the low cost private medical plans that are available.

The Application Process

If you apply for coverage in Indiana, you can apply three different ways. Perhaps the quickest and most popular method is when we create an online link that allows you to securely answer the medical questions online and electronically submit your application. You can “save” your information at any time and go back and edit your information. Usually, you can also keep a copy of the online application you submit.

The second way to apply is via fax. We’ll provide the application and you can fax it directly to us at (888) 513 6446. The process takes slightly longer than the online link, but your personal information remains secure. Only we have access to the information. The third method is to email us back the application. Both the fax and email methods take longer than the online link, but can be used if you prefer not to apply for coverage through our secure website.

The Policy Approval

Most Indiana health Insurance applications are approved and generally the process takes less than 2-3 weeks. Temporary coverage usually takes only a day to approve so if coverage is needed quickly, a short-term policy may be the right choice. Keep in mind that his type of policy does have some limitations regarding benefits and renewal. But the rate is very low.  

Upon approval, you are notified in writing and a hard-copy of the policy is subsequently sent. It is possible the quoted underwritten rate will differ from the actual approved rate, because of existing or possibly prior conditions. You may appeal the rate if you are not satisfied and of course you are under no obligation to accept the policy. Almost every insurer offers a complete refund if the policy is not accepted before the effective date.And a few companies allow you to apply for coverage without paying an upfront payment.

Applying for medical coverage in Indiana is our specialty and we’ll help you find the policy that gives you the coverage you need. And you’ll always view the lowest rates that each company offers.

Anthem Indiana health insurance plans are a popular choice for individual and family health care options in the Hoosier state. Comprehensive, catastrophic, short-term and HSA coverage is available at extremely affordable prices for individuals, families and small business owners.

Indianainsurancehealth.com is the premier recognized resource for providing affordable Indiana health insurance coverage and current health care reform information. We offer Anthem Blue Cross and Blue Shield policies at the lowest available rates and never charge any fee for our services. You can easily review, compare and apply for the highest quality coverage on our website.

Anthem Premier Plus

The Premier Plus plan is Anthem’s most comprehensive policy. Doctor’s office visit coverage (number of visits) is unlimited with a $30 copay for primary care physician visits and a $40 copay for specialist visits. This coverage also can be removed,if not needed.

Two prescription benefits are available (Standard and Upgrade). The standard benefit includes a $250 deductible (per person) for brand-name drugs for Tiers 2, 3 & 4. The upgrade benefit provides a broader coverage and potentially lower out-of-pocket costs on expensive drugs.

Major medical deductible options for this Anthem Indiana plan range from $500 to $10,000 with a 20% coinsurance (capped). A 0% coinsurance option is also available with the higher deductibles. Naturally, higher deductibles will substantially reduce the rate. We feel that the $5,000or $2,500 deductible with 0% coinsurance is the most cost-effective.

Nationally recommended preventive services are covered at 100% with no waiting period, deductible or coinsurance. Some of these services include Pap tests, mammograms, annual routine physicals, immunizations, well-child care and PSA screenings.

Anthem SmartSense

The SmartSense plan provides coverage for three office visits per year to a primary care physician or specialist. A $35 copay applies and any additional visits are subject to the plan deductible. However, those visits will receive favorable Anthem Network discounts.

A “Standard” and “Upgrade” prescription benefit is available. If the “Standard” option is selected, Non-Formulary drugs will only receive the Anthem negotiated discount. The “Upgrade” benefit includes a combination of copays and coinsurance, depending on the type of drug.

Preventive benefits are also included at 100% coverage with no waiting periods, copays or coinsurance.  Unlike the Premier Plus plan, maternity benefits are not available as a rider. However, dental and vision riders are available on both plans.

The Anthem Indiana SmartSense plan costs substantially less than the Premier Plus plan and is recommended for persons that want affordable coverage without some extra benefits that may not be used. Depending on the size of your family, the savings could be thousands of dollars each year.

Anthem Lumenos HSA

One of the most popular Indiana health insurance policies is the Lumenos Health Savings Account (Indiana HSA) plan. Like all HSAs, this type of coverage is designed to provide much more control over your health care costs and also pay for qualified medical expenses with tax-favored dollars. The HSA portion of the account may be set up at the time of application, or at a later datewith your choice of banks. The policy also functions without the HSA side account. 

Once again, qualified preventive benefits are covered at 100% and not subject to a deductible. Once any combination of listed policyholders meets the deductible, the plan will pay all of the covered expenses. Individual deductible options range from $1,500 to $5,000. Family deductible options are $3,000 to $11,000.

Anthem CoreShare

The Coreshare plan is an inexpensive plan that also has higher out-of-pocket costs for many covered benefits. Coinsurance for many services is 50%. Also, a facility copayment applies to outpatient surgeries and inpatient hospital visits. Higher deductibles will not include this extra charge.

Although qualified preventive benefits are covered at 100%, non-preventive office visits are subject to a deductible. A $25,000 deductible is available with a 0% coinsurance option. In early 2012, a "Deductible Credit" program was introduced. The program creates a special account that that rewards you when you don't meed your deductible. Plans that have a $2,500 or higher deductible ($3,000 for a Lumenos HSA) will qualify. You must have been insured under the plan for more than three months and there are a few other requirements. The attached Indiana Anthem Blue Cross Blue Shield Deductible Credit Program brochure provides more specific details.

To easily view, compare or apply for any of the Indiana Anthem plans, simply use the Quote tab at the top of this page. You can also call us directly at (888) 513 6446. The quotes on our website are the lowest available rates for each of these plans.

Anthem Blue Cross Blue Shield is the trade name of Anthem Insurance Companies Inc. The Blue Cross and Blue Shield names and symbols are registered trademarks of the Blue Cross and Blue Shield Association.

Affordable Indiana UnitedHealthcare health insurance plans are available. We represent UnitedHealthcare and feature all of their Indiana policies. Whether you are a family, an individual, self-employed or uninsured, we’ll help you find the ideal health care coverage that matches your specific situation, at the lowest rate provided by the carrier. And we’ll spend the necessary time it takes to ensure you have the coverage you need at a rate you can afford.

Catastrophic, Comprehensive, Short-Term and Indiana HSA plans are featured on our website with many deductible and coverage options that will fit within your budget. We have listed below three of the most popular and affordable UnitedHealthcare plans in Indiana. Of course, there are many more UHC plans.

Saver 80  If your primary concern is covering catastrophic claims, then this policy may be the perfect solution. Most major medical expenses are covered including inpatient and outpatient surgical procedures, hospital confinements and many outpatient expenses such as MRIs and CAT scans. Preventive benefits are also included and covered at 100% with no waiting period or deductible. It is one of the least expensive private policies available in the state.

HSA 100  This policy is one of the premier Indiana Health Savings Account  plans. An HSA is a combination of a tax-favored savings account with a high-deductible health insurance plan (HDHP). Rates are typically substantially lower than comprehensive plans and your contributions into the HSA are tax-deductible.

Also, qualified future medical, dental and vision expenses are deductible and any money not spent in the current year will “roll over” to the following year. You may choose your own bank to handle the savings account and you retain full control over your accumulated money at all times. At any time, you may withdraw unused funds from your account.

Wellness and preventive care benefits are provided are also covered at 100% with no waiting period or deductible. And  “network repricing” will reduce your out-of-pocket costs for claims that are subject to a deductible. We especially like HSAs because of the potential savings in premiums that you can use, and not the insurance carrier.

Copay Select  One of the most comprehensive Indiana health insurance plans is the “Copay Select” plan. With unlimited covered office visit benefits, this policy closely resembles an employer-provided plan. After a $35 copay, 100% of office visit history and exam fees are covered. An optional $25 copay is also available.

A prescription drug card covers four tiers of drugs with copays or coinsurance. Generic drugs are not subject to a deductible. Many additional riders are also available such as a $25 copay (instead of $35), a $50,000 accidental death benefit and term life insurance options. To keep premiums low, higher deductibles are available. We like the $2,500 and $5,000 options although a $10,000 deductible is also available.

Copay Select Value  A more affordable version of the "Copay Select," this plan provides coverage for four office visits per person per year (subject to a $35 copay). Generic prescription benefits are provided with a $15 copay. Non=generic RX is not covered. Although preventive benefits are covered, the, coinsurance on major claims is 30% after the deductible (instead of the standard 20%). Typically, premiums are about 25% less than the "Copay Select" plan, so it is an interesting option to consider.

Indiana short term health insurance plans can be purchased at extremely affordable rates. Temporary Indiana health care coverage is ideal for persons that are between jobs, laid off, graduating college or school, on COBRA, an early retiree or waiting for Medicare eligibility. Short term plans are extremely flexible by allowing you to cancel coverage at any time. Humana and UnitedHealthcare have extensive Indiana provider networks that also allows you to choose from most doctors and hospitals in the state. They are usually the two lowest cost options for short-term coverage.

Indianainsurancehealth.com is the premier resource for low cost short term Indiana health insurance plans. You can view, compare or apply online for coverage. There are no fees for our service and your rates are guaranteed to be the lowest allowable published rate. No other broker or website can legally issue a policy at a lower rate. We’ll take the time to personally review your specific needs and find the temporary plan that provides the coverage you want.

Typically, a Humana or Indiana UnitedHealthcare short term policy is approved within 24-48 hours. In some instances, a policy is approved within an hour of the application being completed. A discount is applied when the entire premium is paid, instead of payments each month. Deductible options range from $500 to $5,000 and a policy can be kept for a single month or as long as 12 months.

Coverages include doctor office visits, prescriptions, emergency room services, inpatient and outpatient procedures and major medical expenses. By using Humana or UnitedHealthcare Network providers, you’ll receive “repricing discounts” that can reduce your out of pocket expenses.

Humana Indiana Short Term Monthly Rates (UnitedHealthcare's Rates Are Slightly Higher)

40 Year-Old Male in Indianapolis Area

$49  $5,000 Deductible

$58  $2,500 Deductible

$83  $1,000 Deductible

Family Of Three (Male 40 Female 40 and child) in Indianapolis Area

$108  $5,000 Deductible

$130  $2,500 Deductible

$188  $1,000 Deductible

These rates assume each applicant qualifies medically for coverage and meets the required underwriting guidelines. Benefits are also not payable for pre-existing conditions. A pre-existing condition is a bodily injury or sickness that was diagnosed or treated, or which produced signs and/or symptoms during the Five-year period before all applicants’ effective date of coverage.

Humana and UnitedHealthcare Indiana Short term health insurance plans are not always appropriate for persons with pre-existing conditions that have recently lost their group coverage through an employer. Purchasing a short-term plan instead of COBRA could possibly cause you to become ineligible for other plans that are “guarantee issue.” It is always advisable to review the plan summary and actual policy for specific coverage information. We're always happy to help you select the right plan.

To get your free quotes, you can furnish your zip code at the top of the page (where requested). You'll be able to compare temporary plans from Humana, UnitedHealthcare and the other top carriers. Assurant also offers plans in many parts of the state. Celtic, a smaller company based in Chicago, is another option for temporary plans.

Indiana comprehensive health insurance plans provide coverages similar to much more expensive group plans available through employers. Anthem Blue Cross, UnitedHealthCare, Medical Mutual, Humana, Celtic and Assurant offer comprehensive health insurance benefits to individuals and families in Indiana. It is the most common type of health care coverage.

We created this website to educate the consumer and simplify the process of applying for quality affordable health care. We take the time to investigate and find the comprehensive plans that not only match your budget, but also provide the coverage you need. Additionally, the rates you view on this website are the most competitive prices filed by each carrier with the Indiana Department of Insurance. And you will never pay any fees when you use our service. If you already have coverage, we'll evaluate your best options, which may include staying with your present company.

UnitedHealthCare’s “Copay Select” plan offers comprehensive coverage at affordable prices in most parts of the state. This particular policy features $35 copays on covered office visits (unlimited) and rich RX benefits that cover generic and non-generic prescriptions. Most preventive benefits are not subject to a deductible or copay and dental and vision discounts are included with the policy. This plan is UnitedHealthCare's best policy.

For example, in the Indianapolis area, a healthy 35 year-old male pays only $140 per month for comprehensive coverage (UnitedHealthCare “Copay Select” with $2,500 major medical deductible). This rate reduces to $107 if the deductible is increased to $5,000. Optional deductibles from $500 to $10,000 are also available. Also included is a "Vanishing Deductible" benefit which rewards policyholders that have very few claims.

A reduced rate is available from the "Copay Value" plan which reduces the covered prescription and office visit coverages. But if you don't often use those features, the savings may be enough to offset the lost benefits. This policy still provides mandated preventive services at no cost to the insured. And catastrophic claims still are well-covered.

Another popular option is the Anthem Blue Cross “SmartSense” policy. Three office visits and formulary drug prescription benefits are included along with major medical coverages. Premiums are lower than most other comprehensive plans because of the limitation in benefits.Typical preventive expenses are usually paid in full. Once again, this policy may not contain some "bells and whistles" that other more expensive plans have. However, the premium savings must be considered.

The same healthy 35 year-old male that was previously mentioned pays only $83 per month for a “SmartSense” plan with a $5,000 major medical deductible. Reducing the deductible to $1,000 will raise the premium to $133. If you don’t have many office visits or prescriptions, this type of coverage may be worth considering. However, the “SmartSense” plan is typically not recommended if there are many small children in the household.

Indiana Health Savings Accounts (HSAs) provide comprehensive benefits after a deductible has been satisfied. Although office visits (other than preventive visits) and prescriptions are subject to the deductible, with most HSA plans, 100% of expenses are covered after the deductible. Network repricing discounts will also reduce out-of-pocket expenses. The combination of lower premiums, tax deductions and accumulating money for future medical expenses, makes this type of policy very popular. Anthem and UnitedHeathCare offer the best rates. Celtic, however, offers a low-priced "Value" HSA policy.

The "Get Free Quotes" section at the top of the page will allow you to quickly compare Indiana health insurance policies, and if you wish, apply for a policy. We are always happy to help you with every step along the way. And as previously mentioned, you never pay a fee for our help.

Affordable Indianapolis health insurance plans are available through our website. Anthem Blue Cross, Medical Mutual, UnitedHealthcare and Humana offer affordable individual and family health insurance in Indianapolis and surrounding areas. Low cost catastrophic, comprehensive, HSA and short-term temporary policies offer residents a wide selection of coverage that will meet your budget.

Celtic, a smaller company based in Chicago, offers competitive rates in some areas. Assurant also provides a wide selection of policies. Their "Core-Med" plan is also reasonably priced in Central Indiana.

Indianainsurancehealth.com is Indiana’s premier shopping guide for affordable medical coverage and a trusted authority for applying for online coverage. The rates you view on this website are always the lowest allowable from each of the companies. Also, only major reputable companies are considered. No “discount plans” are ever used and there is never any cost for our services. We make it easy to locate the most competitive rates for individual, family, self-employed, short-term temporary or student health plans.

Rates in Indianapolis are typically quite competitive compared to many other parts of the state. For example, a 40 year-old healthy male can purchase catastrophic coverage with limited office visit benefits for less than $100 per month. A family of three (Male and female ages 40 and one child) can purchase comprehensive coverage with unlimited covered office visit benefits and a prescription plan for less than $300 per month. Naturally, age, health conditions and zip code will affect rates. Persons that are uninsurable may still have reasonable choices through the State "High Risk" pool.

Comparing  health insurance quotes online only takes a few minutes and you might be surprised at how many affordable plans are available. If you are between jobs, unemployed, a graduating student or looking for quick coverage, a short-term temporary policy might be the best option.

Indiana short-term health insurance rates are extremely inexpensive and are typically approved within 24-48 hours. Applications for coverage are short and generally take less than 15 minutes to complete. Although pre-existing conditions are not covered on short-term plans, it's a great option to quickly get coverage with very little delay. We'll be happy to fax or email you an application or provide an online link that allows you to easily apply. Some plans can be kept as long as 12 months. And if your health stays good, you can apply for a policy that covers you after a year.

Indiana Health Savings Accounts (HSAs) are very popular in Indianapolis. Rates are substantially lower than traditional comprehensive plans and out-of-pocket expenses on major medical claims are also typically less than most other policies. An HSA is an inexpensive alternative to conventional health insurance coverage. It is a savings account that permits you to pay for current medical, vision and dental expenses and save for future expenses on a tax-free basis. A “High Deductible Health Plan” (HDHP) is necessary to take advantage of an HSA. Anthem often has very good HSA rates. Medical Mutual and UnitedHealthcare are often very competitive as well. Celtic features a low cost "Saver" plan.

To compare Indiana health insurance coverage, please enter your zip code in the "Get Free Quotes" box at the top of this page. You can also talk to a live person by calling us at (888) 513 6446. We realize that there are many different plans to review, so please don’t hesitate to call or email us.