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!