Indiana Health Quotes  >  Latest News By:

Anthem Blue Cross Blue Shield (BCBS) of Indiana health insurance plans are a popular choice for medical 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. Bronze, Silver, and Gold-tier options are the most popular plans for single and family households.


Applicants that have reached age 65, or are eligible for Medicare, can review and compare Medigap options (Supplement, Advantage, and Part D prescription drug plans).

BCBS is one of the largest insurers in the US, and we make it easy for you to find the best policies that cover your most important expenses. In about 15 minutes, you can easily enroll in a Marketplace plan, and qualify for an instant tax-credit that can drastically reduce your premium. However, you can also enroll in "off-Exchange" coverage that does not include any federal subsidies.

You can view quotes, apply for a Wellpoint policy, and quickly receive benefits from the state's largest insurer. When you apply for an Anthem Indiana Exchange policy, we are your resource for up-to-date descriptions on each plan, tax-credit information and direct application links. If you need service, or help with billing, claims, or coverage benefits, you can call or email us, and a prompt response can be expected.

Senior contracts are also popular options for applicants who are not eligible for Marketplace plans. If you have reached age 65, and enrolled in Parts A and B, a Medigap plan can possibly pay for some of the expenses (copays, coinsurance, and deductibles) that Original Medicare does not cover. Available Advantage plans include MediBlue Dual Advantage, MediBlue Plus, and MediBlue Access. Part D prescription drug options include MedicareRx Standard, MedicareRx Plus, and MedicareRx Premier plans.

 

Impact Of Affordable Care Act (ACA)

 

Anthem BCBS plans changed when the State Exchange Marketplace began offering policies in 2014.  New previously-mentioned government subsidies became available, and the number of participating network providers (doctors, medical facilities etc...) has remained fairly stable. The availability of specialists and hospitals in most areas allows customers to quickly receive treatment at negotiated lower costs. Outpatient facilities, mental health providers, and Urgent care facilities are also readily available. Group plans provided by employers provide many options, while private individual coverage may return to the entire state in the future.

It is possible that additional options will be offered, depending if "The American Health Care Act" becomes legislation under President Trump. Both the House of Representatives and Senate will need to agree on a specific plan. Pre-existing conditions, however, will continue to be covered, and financial assistance will be provided to most applicants.

 

Prescription Drug Coverage

 

A "Select" formulary drug list is utilized, so more than 200 generic and brand prescriptions can be offered on qualified plans. Four different cost-saving Tiers are available, with mail-order included for most drugs. A local pharmacy can be used in most areas, with fast pick-up service. Since the list can change, annual verifying if your prescriptions are on the list are recommended. Generic equivalent medications often save as much as 30%-75%, when compared to brand-name medications. Almost 600 generic drugs are offered, and once additional options become approved, they are quickly added.

Home delivery is also available to your primary residence. Current existing conditions often require continuous medications, and selecting the home delivery option will save time and inconvenience.The number of needed office visits (primary-care and specialist) is often reduced, which saves the consumer and insured money. Up to a 90-day supply is allowed.

 

Anthem Senior Health Insurance In Indiana

 

Medicare Supplement Plans

 

Supplement coverage is offered to applicants that reside in the Hoosier State, are eligible for Medicare and have signed up for Parts A and B. SilverSneakers benefits are included in all policies. Plans A, F, G, and N are available. We have listed below current estimated monthly rates for various ages:

Age 65 Female

Plan A - $122

Plan F - $138

Plan G - $109

Plan N - $99

 

Age 65 Male

Plan A - $136

Plan F - $155

Plan G - $121

Plan N - $110

 

Age 70 Female

Plan A - $155

Plan F - $185

Plan G - $139

Plan N - $127

 

Age 70 Male

Plan A - $171

Plan F - $207

Plan G - $154

Plan N - $140

 

Age 72 Female

Plan A - $168

Plan F - $204

Plan G - $152

Plan N - $138

 

Age 72 Male

Plan A - $185

Plan F - $228

Plan G - $168

Plan N - $153

 

Age 75 Female

Plan A - $187

Plan F - $232

Plan G - $170

Plan N - $154

 

Age 75 Male

Plan A - $207

Plan F - $259

Plan G - $188

Plan N - $171

 

 

Note: Dental and vision benefits can be added to to Supplement plans. Premiums are billed separately. The approximate monthly rates are $51 (Premium Plus), $44 (Premium Plus Dental), $39 (Premium), and $23 (Standard).

 

Medicare Advantage Plans

 

MediBlue Plus (HMO) -$0 monthly premium with $10 and $40 office visit copays (pcp and specialist). Maximum out-of-pocket expenses are $4,900 (not including Part D drugs). Inpatient hospital copay is $295 for first 6 days and $0 for days 7-90. Urgent Care and ER copays are $35 and $80. Outside the United States, emergency treatment may be covered up to $25,000. Outpatient hospital facility copay ranges from $0-$255. Outpatient mental health care copay is $40. Inpatient mental health care provides 190 days of lifetime coverage in a psychiatric hospital.

Lab services are covered with a copay no higher than $15. Diagnostic test copay ranges from $0-$160 and x-ray copay ranges from $100-$120. Doctor copays for hearing services are $40 with a $0 copay for routine hearing visits. The physical therapy copay is $35 and the chiropractic copay is $20. $3,000 is available for hearing aids (annualy). Preventative dental visits are covered with a $0 copay, but comprehensive services are excluded. Vision services include oneannual routine visit with a $0 copay. Additional visits may be subject to a $0-$40 copay.

Prescription mail-order copays for Tiers 1, 2, 3, and 4 drugs are $4, $12, $42, and $95. A $75 deductible applies to Part D prescription drugs. However, the deductible is waived for preferred generic (Tier 1), generic (Tier 2), and select care (Tier 6) drugs.

 

MediBlue Dual Advantage (HMO SNP) -$0 monthly premium with $0 and $0 office visit copays (pcp and specialist). Maximum out-of-pocket expenses are $6,700. Inpatient hospital copay is a Medicare-defined cost share. Urgent Care and ER copays are $0. Outpatient hospital facility and outpatient mental health care copay is $0. Lab services are covered with a copay of $0. Diagnostic test copay and x-ray copays are $0. Prescription copays for Tiers 1, 2, 3, and 4 drugs range from $0 to $8.25. Part D and low-income coverage determines exact amount you pay.

 

MediBlue Access (Regional PPO) -$63 monthly premium with $15 and $40 office visit copays (pcp and specialist). Maximum out-of-pocket expenses are $6,400 with $500 deductible. Inpatient hospital copay is $290 for first 6 days. Urgent Care and ER copays are $45 and $75. Outpatient hospital facility copay is 20%. Outpatient mental health care copay is $40. Lab services are covered with a copay no higher than $10. Diagnostic test copay ranges from $0-$145 and x-ray copay ranges from $90-$110. Prescription mail-order copays for Tiers 1, 2, 3, and 4 drugs are $3, $13, $42, and $95.

 

Part D Prescription Drug Plans

 

Anthem Blue MedicareRx Plus (PDP) - $0 deductible with $3,750 initial coverage limit and $5,000 coverage gap. Preferred retail cost sharing (one month) copays are $1 (Tier 1), $3 (tier 2), $40 (Tier 3), 39% (Tier 4), 33% (Tier 5), and $0 (Tier 6).

 

 

Marketplace Plans (Under Age 65)

 

Catastrophic

 

Get the cheapest medical insurance in Indiana with Anthem. BCBS policies will cover your pre-existing conditions at an affordable cost.

 

Catastrophic options are offered to persons under age 30 that only want basic essential benefits. Premiums are fairly low, although the federal tax-credit subsidy does not apply to these contracts. Therefore, lower-income households should consider Bronze or Silver-tier plans that may provide better coverage at a lower cost. NOTE: If you can prove "financial hardship," you may be able to enroll in these types of policies, regardless of age.

The Catastrophic Pathway 7150 allows you to use three non-preventive office visits each year and only pay a copay of $40. Preventive benefits, such as a routine annual physical, require no copay or out-of-pocket payment. Most other coverages are subject to the deductible. This plan is most suitable to young professional persons with no medical conditions looking for a major medical plan. Since there is a 0% coinsurance, once the deductible has been met, covered benefits are paid at 100%. Blue Card (out of area) provides emergency coverage. Pediatric dental and vision benefits are also included (up to age 19).

 

Bronze

 

Bronze-tier policies are the least expensive "Metal" options since deductibles and out-of-pocket maximums are typically higher than other contracts.

Bronze Pathway 7150 - $7,150 deductible with 0% coinsurance. Maximum out-of-pocket expenses are also $7,150. This plan is the least expensive non-catastrophic option.

Bronze Pathway POS 5000 - $5,000 deductible with maximum out-of-pocket expenses of $7,150. Coinsurance is 40% and three pcp office visits are provided with a $50 copay. Urgent Care is subject to deductible, $50 copay, and coinsurance while ER visits are subject to deductible, $500 copay, and coinsurance.

Bronze Pathway 20% For HSA - Health Savings Account option that is HSA-eligible. $5,100 deductible with maximum out-of-pocket expenses of $6,550. Coinsurance is 20%. Qualified medical, dental, and vision expenses can be paid with pre-tax dollars. The savings portion of the coverage can be set up with a financial institution that you choose.

Bronze Pathway 0% For HSA - $6,100 deductible with 0% coinsurance and maximum out-of-pocket expenses of $6,550. HSA features identical to previous plan.

Bronze Pathway 5850 - $5,850 deductible with $7,150 maximum out-of-pocket expenses. All office visits are subject to 30% coinsurance and the deductible. A $1,000 copay also applies to hospital admissions.Prescription drugs also subject to coinsurance.

Bronze Pathway 6000 - $6,000 deductible with $7,150 maximum out-of-pocket expenses and 30% coinsurance. However, unlike previous three plans, a pcp office visit copay is available ($45) for the first three visits. Thereafter, coinsurance and deductible must be met.

Bronze Pathway 6400 - $6,400 deductible with $7,150 maximum out-of-pocket expenses and 30% coinsurance. $50 copay for first two pcp office visits. Tier 1 and Tier 2 prescriptions do not have to meet a deductible as only a copay ($20 and $80) applies ($30 and $90 copays for Level 2).

Bronze Pathway 6600 - $6,600 deductible with 0% coinsurance, so maximum out-of-pocket expenses are also $6,600. Very simple concept as all non-preventative expenses are subject to the deductible (no copays offered). But once the deductible has been met, there are no out-of-pocket costs.

 

Silver

 

Anthem Silver Marketplace plans in Indiana provide cost-sharing that can save thousands of dollars each year.

 

Silver-tier plans are very popular if you qualify for the federal subsidy. Since this is the only tier that offers "cost-sharing," your deductibles and copays can reduce substantially, often saving thousands of dollars in out-of-pocket costs. The figures below do not include these reductions, so please contact us to see if you qualify for the savings.

Silver Pathway 1850 - Low $1,850 deductible with 20% coinsurance and maximum out-of-pocket expenses of $7,150. $40 pcp copay for first three office visits. Level 1 and Level 2 prescriptions do not have to meet a deductible. Only copays of $15 and $25 (Tier 1) and $50 and $60 (Tier 2).

Silver Pathway 2500 - $2,500 deductible with 10% coinsurance and maximum out-of-pocket expenses of $7,150. Copay on pcp office visits is $40, but there is no limit on usage. Prescription drug coverage is identical to previous plan.

Silver Pathway 3000 - $3,000 deductible with 15% coinsurance and $7,150 maximum out-of-pocket expenses. The pcp office visit copay is $30 although specialist visits must meet the deductible. Level 1 and Level 2 prescriptions do not have to meet a deductible. Only copays of $15 and $25 (Tier 1) and $50 and $60 (Tier 2).

Silver Pathway 4250 - $4,250 deductible with 25% coinsurance and $5,750 maximum out-of-pocket expenses. Office visit copays are $25 and $50, with a $90 Urgent Care copay.
Level 1 and Level 2 prescriptions do not have to meet a deductible. Only copays of $10 and $20 (Tier 1) and $40 and $50 (Tier 2).

Silver Core Pathway 5100 - $5,100 deductible with 25% coinsurance and maximum out-of-pocket expenses of $6,600. Pcp office visit copay is $35. Level 1 and Level 2 prescriptions do not have to meet a deductible. Only copays of $10 and $20 (Tier 1) and $40 and $50 (Tier 2).

Silver Pathway For HSA - $2,700 deductible with $5,000 maximum out-of-pocket expenses and 10% coinsurance. Level 1 and Level 2 prescriptions do not have to meet a deductible. Only copays of $10 and $20 (Tier 1) and $40 and $50 (Tier 2).

 

Gold 

The Gold-tier offers lower deductibles and copays. However, if you qualify for  a large federal subsidy, the Silver-tier plans may be a better option.

Pathway X 1250 10 - Low $1,250 deductible with $30 office visit copay. $3,950 maximum out-of-pocket maximum. Most generic and preferred-brand drugs are not subject to deductible. Lower cost for 90-day mail order.

DirectAccess (Multi-State) - $1,000 deductible with unlimited pcp office visits with $30 copay. Specialist visits are subject to 10% coinsurance. Maximum out-of-pocket expense is $7,150. Tier 1 and Tier 2 prescription copays are $20 and $50. Tier 3 and Tier 4 drugs are subject to 50% coinsurance.

 

NOTE: With the passage of the Affordable Care Act legislation, many Anthem plans in Indiana were discontinued. Most of these older policies were considered SmartSense, Lumenos or CoreShare contracts. The Pathway series of policies replaced all previous options. However, Anthem continues to help coordinate Medicaid options through Hoosier Healthwise, Healthy Indiana Plan, and Hoosier Care Connect.

 

For additional rate and benefit details, 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  for each of these policies. 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.