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.