Indiana medical insurance doesnít 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! And if you are currently not covered, there are some very inexpensive starter plans available.
At indianainsurancehealth.com, our job is to find the policies that allow you to pay the premium that you can afford, but still give you the medical coverage thatís most important to you. We donít take any shortcuts. Weíll spend the time needed to research all of your options and we will never recommend plans that don'r deliver the benefitsthey promise.
A Few Of Our Best Tips That Will Help Reduce Your Rate
Let us do the hard work for you. We know itís 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, youíll be presented with the best options in an easy to understand format. And youíll have a live person to talk to or email any time. Even after you purchase a policy.
Donít buy health insurance from a TV commercial. Many of those ads are ďlimited benefitĒ 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, a lot of those plans are not classified as insurance. They are only ďdiscount plans," which have very basic coverages.
And if you have a claim, you'll realize how limited your benefits are, and how difficult it is to get a refund on any money you already paid, including an application fee. Quite simply, just stay away from these contracts.
If you think youíre paying too much, maybe you are! Medical benefits in Indiana are not nearly as expensive as in many other states. Have you recently checked the rates in New Jersey, New York or Massachusetts? You donít want to! In some instances, the longer you have been with a specific company, the more competitive the rate becomes.
However, sometimes, staying with the same company may actually work against you. Each situation is different. But if it is advantageous for you to stay put, that's what we'll tell you. If you arebeing treated for cancer, for example, of course you should leave your existing policy alone.
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 donít recommend cancelling a current plan until you have been approved (in writing) for the policy you applied for. Also, itís important to understand the terms, conditions and possible exclusions of the newly issued coverage. A live broker can help you with this.
Donít pay for coverage that you probably wonít use. The biggest offender here is maternity coverage. Maternity benefits are VERY expensive. You probably donít have it if you purchased an individual policy. But if you are paying for it, the cost is probably in excess of $4,000 per year.There may be other less expensive solutions. Also, you can remove the rider if you are certain it will not be used.
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. YesÖyou do take on more risk and you will have to weigh the risk vs. the potential money you will save. But if you're looking ahead a bit (maybe 3-10 years), you may put a lot of extra money in your pocket that will easily offset the extra money you paid.
Our software constantly updates Indiana premiums (usually daily) so the information you view is very current. We also try to make it very easy to view your options. Youíll 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 and how quickly some policies can get approved.