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Indiana individual UnitedHealthcare health insurance (UHC) plans are a great choice if you are trying to find affordable medical coverage. We represent UHC and offer their policies at direct prices. Also known as "Golden Rule," they feature contracts for a family, an individual, the self-employed, a business owner or any person that is uninsured. Senior Medicare plans are available for persons that have reached age 65. AARP and UHC jointly offer several Medigap options.

You can use benefits to bridge a short-term gap, or keep it for many years. Officially, UHC is licensed under the All Savers Insurance Company (ASIC) name for Marketplace (Exchange) plans. Mobile app capability is also offered for various wellness-related activities and expense-tracking. Ask us about it! Here in the Hoosier State, medical, dental, vision, Medicare, Medicaid, term life, hospital and physician, critical illness, disability, and international travel coverage is offered.

 

County And National Coverage

 

All counties are available in the UHC network including smaller Southwestern counties such as Posey, Gibson, Vanderburgh, and Warrick.  Consumers can find a physician, hospital, medical facility, mental health clinician, dentist, vision care provider, Medicare physician, or Medicaid physician.  DualComplete plan providers for Seniors can also be viewed. Emergency life-threatening situations are typically covered regardless where the US treatment occurs.

Although there are more than 500 local pharmacies available, an additional 30,000 pharmacies are available across the US if you are traveling. If you need access to out-of-state treatment, upon request, we will provide a comprehensive list of physicians, specialists and hospitals within 20 miles of your location. Mobile access is also provided, so you can find a doctor, speak to a nurse (24/7), get cost estimates for common procedures, show your ID card, and many additional tasks.

Catastrophic, comprehensive, short-term and Indiana HSA plans are featured on our website with many deductible and coverage options that will give you the opportunity to choose the perfect choice. Both on and off Marketplace policies are expected to be offered again in 2019 or 2020. Although a federal subsidy will be available (based on your household income), you are not required to purchase a subsidized plan. Regardless of your income, you may elect to enroll in a non-subsidized option. UHC only offers private (non-Group) under age-65 coverage in limited states. At this time, Indiana is not one of these states.

NOTE: Temporary contracts can be issued for up to 3-9 months. The "Value" option is the least expensive plan since deductibles are considered "per incident." Other plan options include "Copay," "Plus," "Plus Elite," and "Copay Value" policies. The ACA penalty applies to all short-term plans.

 

Find temporary Indiana health insurance coverage at an affordable rate. UnitedHealthcare offers cheap short-term plans In the Hoosier State. Free quotes.

 

Short-Term Health Insurance Rates

 

Plans do not provide qualifying health coverage, since all required "essential benefits" are not included. Plans can be issued for as long as three months. Before the end of the initial term, you can re-apply for an extra three months. If additional coverage is needed (beyond six months), coverage is offered through additional unaffiliated companies. Shown below are monthly 30-day rates in various counties for selected ages for the "Short Term Medical Value" plan:

Marion, Hamilton, And Allen Counties Male Age 35

$55 - $5,000 Deducible

$68 - $2,500 Deducible.

$105 - $1,000 Deducible.

 

Marion, Hamilton, and Allen Counties Male Age 45

$87 - $5,000 Deducible

$109 - $2,500 Deducible.

$168 - $1,000 Deducible

 

Marion, Hamilton, and Allen Counties Male Age 55

$154 - $5,000 Deducible

$193 - $2,500 Deducible.

$297 - $1,000 Deducible

 

Lake County Female Age 35

$93 - $5,000 Deducible

$116 - $2,500 Deducible.

$169 - $1,000 Deducible

 

Lake County Female Age 45

$132 - $5,000 Deducible

$165 - $2,500 Deducible.

$254 - $1,000 Deducible

 

Lake County Female Age 55

$199 - $5,000 Deducible

$248 - $2,500 Deducible.

$382 - $1,000 Deducible

 

Indiana Marketplace Health Insurance Options (May Become Available In 2019)

 

Bronze Tier

Compass HSA Bronze 6550 - HSA-eligible plan with $6,550 deductible and 0% coinsurance. One of UHC's cheapest available plans.

 

Compass Bronze 7100 - $7,100 deductible but copays of $100 and $200 on primary care physician (pcp) and specialist office visits. $7,150 Maximum out-of-pocket expenses.

 Get Affordable Indiana Silver Metal health insurance and lower your deductible with special cost-sharing.

 

Silver Tier

Compass Silver 5200 - Very low $5 and $30 office visit copays. $5,200 deductible with $5 generic drug copay.


Compass HSA Silver 2800 - HSA-eligible plan with $2,800 deductible and $6,500 maximum out-of-pocket expenses. $25 and $50 office visit copays, but after deductible is met.

 

UnitedHealthcare Senior Products In Indiana

 

Medicare Supplement

 

Ten standardized plans are offered. Shown below are monthly rates for several scenarios. Policies are issued by AARP and insured by UHC.

 

65 Year-Old Residing Indianapolis (Marion County) plus Johnson, Carmel, Clinton, Madison, Shelby, Hendricks, Putnam, Rush, Noble, St. Joseph, Morgan, Henry, Howard, Lake, Lagrange, Miami, Gibson, Vigo, Sullivan, Parke, Clay, Vermillion, Vanderburgh, and Hancock Counties

Plan A - $79

Plan B - $114

Plan C - $145

Plan Select C - $116

Plan F - $145

Plan F (HD) - $116

Plan G - $124

Plan K - $50

Plan L - $82

Plan N - $101

 

70 Year-Old Residing Indianapolis (Marion County) plus Johnson, Carmel, Clinton, Madison, Shelby, Hendricks, Putnam, Rush, Noble, St. Joseph,  Morgan, Henry, Howard, Lake, Lagrange, Miami, Gibson, Vigo, Sullivan, Park, Clay, Vermillion, Vanderburgh, and Hancock Counties

Plan A - $97

Plan B - $141

Plan C - $178

Plan Select C - $143

Plan F - $179

Plan F (HD) - $143

Plan G - $153

Plan K - $61

Plan L - $102

Plan N - $124

 

65 Year-Old Residing in Fort Wayne (Allen County)

Plan A - $78

Plan B - $114

Plan C - $145

Plan F - $145

Plan G - $124

Plan K - $49

Plan L - $82

Plan N - $100

 

70 Year-Old Residing in Fort Wayne (Allen County)

Plan A - $97

Plan B - $141

Plan C - $178

Plan F - $179

Plan G - $153

Plan K - $61

Plan L - $102

Plan N - $124

 

65 Year-Old Residing in Evansville (Vanderburgh County)

Plan A - $79

Plan B - $114

Plan C - $145

Plan F - $145

Plan G - $124

Plan K - $49

Plan L - $82

Plan N - $100

 

70 Year-Old Residing in Evansville (Vanderburgh County)

Plan A - $97

Plan B - $141

Plan C - $178

Plan F - $179

Plan G - $153

Plan K - $61

Plan L - $102

Plan N - $124

 

Compare Medicare Advantge coverage and rates in Indiana. Comprehensive coverage with prescription drug benefits is offered.

 

Medicare Advantage

 

Advantage contracts are issued by private insurers. Coverage is referred to as "Part C" or "MA Plans," and is designed to offer an alternative to original benefits. Part A and Part B are included along with many other benefits. Five plans are offered by UnitedHealthcare.

 

AARP MedicareComplete Plan 1 (HMO) - $0 deductible with $4,900 maximum out-of-pocket expenses. Office visit copays are $10 and $45 with no referral required. A $295 copay applies to outpatient surgery, and MRIs, CT scans, and diagnostic tests are subject to 20% coinsurance. Lab services and outpatient x-rays are covered with $2 and $7 copays respectively. The Urgent Care and ER copays are $30/$40 and $80.

An annual eye exam is included along with dental exams and x-rays subject to a $0 copay. Hearing exams and routine foot care visits are subject to $10 and $45 copays respectively. Hearing aids are also covered with a copay. There is no deductible for Tier 1 and Tier 2 prescription drugs. A $225 deductible applies to Tiers 3, 4, and 5. Prescription copays are $3 (Tier 1), $12 (Tier 2), $47 (Tier 3), and $100 (Tier 4). 90-day preferred mail order copays are $0 (Tier 1), $0 (Tier 2), $131 (Tier 3), and $290 (Tier 4).

 

AARP MedicareComplete Plan 2 (HMO) - $0 deductible with $3,900 maximum out-of-pocket expenses. Office visit copays are $0 and $25 with no referral required. A $250 copay applies to outpatient surgery, and MRIs, CT scans, and diagnostic tests are subject to 20% coinsurance. Lab services and outpatient x-rays are covered with $0 and $14 copays respectively. The Urgent Care and ER copays are $25/$40 and $80.

An annual eye exam is included along with dental exams and x-rays subject to a $0 copay. Hearing exams and routine foot care visits are subject to $0 and $25 copays respectively. Hearing aids are also covered with a copay. There is no deductible for all prescription drugs. Prescription copays are $2 (Tier 1), $8 (Tier 2), $45 (Tier 3), and $95 (Tier 4). 90-day preferred mail order copays are $0 (Tier 1), $0 (Tier 2), $125 (Tier 3), and $275 (Tier 4).

 

AARP MedicareComplete Choice PPO - $0 deductible with $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $45 with no referral required. A 20% coinsurance applies to outpatient surgery, MRIs, CT scans, and diagnostic tests. Lab services and outpatient x-rays are covered with $10 and $14 copays respectively. The Urgent Care and ER copays are $30/$40 and $75.

An annual eye exam is included with a $20 copay. There is no dental or vision coverage. Hearing exams and routine foot care visits are subject to $10 and $45 copays respectively. Hearing aids are also covered with a copay. There is no deductible for Tier 1 and Tier 2 prescription drugs. A $185 deductible applies to Tiers 3, 4, and 5. Prescription copays are $2 (Tier 1), $8 (Tier 2), $45 (Tier 3), and $95 (Tier 4). 90-day mail order will reduce out-of-pocket costs.

 

AARP MedicareComplete Profile HMO - $0 deductible with $5,200 maximum out-of-pocket expenses. Office visit copays are $10 and $40 with no referral required. A $250 copay applies to outpatient surgery, and MRIs, CT scans, and diagnostic tests are subject to 20% coinsurance. Lab services and outpatient x-rays are covered with $10 and $14 copays respectively. The Urgent Care and ER copays are $30/$40 and $75. A $0 copay is provided for a 90-day supply of Tier 1 and Tier 2 drugs (home delivery). A $225 deductible applies to Tiers 3, 4, and 5. Prescription copays are $2 (Tier 1), $12 (Tier 2), $47 (Tier 3), and $100 (Tier 4).

 

AARP MedicareComplete Focus PPO - $0 deductible with $4,800 maximum out-of-pocket expenses. Office visit copays are $5 and $40 with no referral required. A $275 copay applies to outpatient surgery, and MRIs, CT scans, and diagnostic tests are subject to 20% coinsurance. Lab services and outpatient x-rays are covered with $2 and $11 copays respectively. The Urgent Care and ER copays are $30/$40 and $75. A $0 copay is provided for a 90-day supply of Tier 1 and Tier 2 drugs (home delivery). A $215 deductible applies to Tiers 3, 4, and 5. Prescription copays are $2 (Tier 1), $8 (Tier 2), $45 (Tier 3), and $95 (Tier 4).

 

 Compare Indiana Part D Prescription Drug Medicare plans for Seniors. Many options are available if you are eligible for Medicare.

 

Medicare Prescription Drug Plans

 

Prescription drug coverage (Part D) is available during your initial enrollment period (IEP). this time period is generally the best time to secure coverage, since you are immediately eligible, and any current medications do not impact the price of the policy. Otherwise, Medicare plans can be purchased during the regular Open Enrollment period. The "Catastrophic Coverage Stage" is effective after $5,000 is reached.

When this occurs, you pay the following: $3.35 for generic drugs, $8.35 for brand name drugs, or a 5% coinsurance (whichever is higher). If the "Coverage Gap Stage" occurs, no more than 44% of the cost of generic drugs, or 35% of the cost of brand name drugs, until $5,000 of out-of-pocket expenses has been reached.

The following are available options in Indiana:

AARP MedicareRx Walgreens - $0 deductible for Tier 1 and 2 drugs. $405 deductible for Tiers 3, 4, and 5. Preferred copays for Tiers 1, 2, and 3 are $0, $6, and $31. 90-day mail-order preferred pharmacy copays are $0, $18, and $93. Tier 4 and Tier 5 drugs have copays of 32% and 25% of the cost.

AARP MedicareRx Preferred - $0 deductible for all drugs. Preferred copays for Tiers 1, 2, and 3 are $5, $10, and $37. 90-day mail-order preferred pharmacy copays are $0, $0, and $96. Tier 4 and Tier 5 drugs have copays of 40% and 33% of the cost.

AARP MedicareRx Saver Plus - $405 deductible for all drugs. Preferred copays for Tiers 1, 2, and 3 are $1, $12, and $30. 90-day mail-order preferred pharmacy copays are $0, $0, and $85. Tier 4 and Tier 5 drugs have copays of 35% and 25% of the cost.

Symphonix Value Rx - $405 deductible for all drugs. Preferred copays for Tiers 1, 2, and 3 are $1, $3, and $33. 90-day mail-order preferred pharmacy copays are $3, $9, and $99. Tier 4 and Tier 5 drugs have copays of 26% and 25% of the cost. Medicare and Medicaid options are offered.

 

Hospital And Doctor Fixed Indemnity Plans

 

Simple fixed indemnity benefit coverage can be renewed to age 65. They are designed to help pay out-of-pocket expenses associated with high-deductible medical plans. They are not designed to provide comprehensive coverage, but instead provide a stated level of coverage, regardless of the actual healthcare expenses. The following three plans (underwritten by Golden Rule) are available:

 

Health ProtectorGuard Plan A - Benefits include $50 per day office visit and Urgent Care for a maximum of four times per year. Generic prescriptions of $10 per day with a $750 calendar year maximum. Brand prescription drugs of $25 per day with a $750 calendar year maximum. Outpatient lab and x-rays - $25 and $50 per day respectively with $500 annual maximum. Outpatient diagnostic imaging services - $75 per day with $500 calendar year maximum.

Inpatient hospital confinement is $500 per day up to 180 days per calendar year. Intensive care pays $500 per day with a 30 day per year calendar maximum. ER pays $200 per day one time per calendar year. Surgical schedule daily benefits include $2,000 for inpatient surgery, $1,000 for outpatient surgery, $200 for anesthesia, and $200 physician's office surgery (maximum two per year). Air and ground ambulance reimbursements are $500 and $100 respectively.

 

Health ProtectorGuard Plan B - Benefits include $50 per day office visit and Urgent Care for a maximum of four times per year. Generic prescriptions of $10 per day with a $750 calendar year maximum. Brand prescription drugs of $25 per day with a $750 calendar year maximum. Outpatient lab and x-rays - $25 and $50 per day respectively with $500 annual maximum. Outpatient diagnostic imaging services - $75 per day with $500 calendar year maximum.

Inpatient hospital confinement is $1,000 per day up to 180 days per calendar year. Intensive care pays $1,000 per day with a 30 day per year calendar maximum. ER pays $200 per day one time per calendar year. Surgical schedule daily benefits include $2,000 for inpatient surgery, $1,000 for outpatient surgery, $200 for anesthesia, and $200 physician's office surgery (maximum two per year). Air and ground ambulance reimbursements are $500 and $100 respectively. Plan B costs slightly more than Plan A.

 

Health ProtectorGuard Plan C - Benefits include $50 per day office visit and Urgent Care for a maximum of four times per year. Generic prescriptions of $10 per day with a $750 calendar year maximum. Brand prescription drugs of $25 per day with a $750 calendar year maximum. Outpatient lab and x-rays - $25 and $50 per day respectively with $500 annual maximum. Outpatient diagnostic imaging services - $75 per day with $500 calendar year maximum.

Inpatient hospital confinement is $2,000 per day up to 180 days per calendar year. Intensive care pays $2,000 per day with a 30 day per year calendar maximum. ER pays $200 per day one time per calendar year. Surgical schedule daily benefits include $2,000 for inpatient surgery, $1,000 for outpatient surgery, $200 for anesthesia, and $200 physician's office surgery (maximum two per year). Air and ground ambulance reimbursements are $500 and $100 respectively. Plan C costs slightly more than Plan B.

 

Core Access Value Plan 1 - Deductible options of $0, $1,000, $2,500, and $5,000. Inpatient hospital confinement coverage of $1,000, and $2,000 for intensive care or critical care unit. Inpatient hospital physician visits receive $50 reimbursement. Maximum inpatient surgical service is $2,250 per surgery ($1,500 -primary surgeon, $300 - assistant surgeon, and $450 anesthesiologist). Maximum total benefit for outpatient surgical service is $1,950 ($600 - facility, $900 - surgeon, $180 - assistant surgeon, and $270 anesthesiologist).

Maximum ambulance service coverage per trip per year is $100 (ground or water) and $500 (air). Second surgical opinion benefit is $100 and $300 for outpatient chemotherapy and radiation. Outpatient prescription drugs and maternity expenses are not covered. $200 of preventative and wellness is included along with $60 (four times per year) for outpatient physician visits and retail health clinic visits. Outpatient Urgent Care and ER visits have a combined yearly coverage of $100. Outpatient diagnostic x-ray and lab fees covered up to $100 per year while outpatient advanced studies covered up to $200 per year.

 

Core Access Value Plan 2 - Deductible options of $0, $1,000, $2,500, and $5,000. Inpatient hospital confinement coverage of $1,500, and $2,500 for intensive care or critical care unit. Inpatient hospital physician visits receive $60 reimbursement. Maximum inpatient surgical service is $3,000 per surgery ($2,000 -primary surgeon, $400 - assistant surgeon, and $600 anesthesiologist). Maximum total benefit for outpatient surgical service is $2,200 ($700 - facility, $1,000 - surgeon, $200 - assistant surgeon, and $300 anesthesiologist).

Maximum ambulance service coverage per trip per year is $300 (ground or water) and $1,000 (air). Second surgical opinion benefit is $100 and $600 for outpatient chemotherapy and radiation. Outpatient prescriptions are covered with $4, $20, and $50 copays on generic, name brand and specialty drugs respectively. Maternity coverage is $3,000 per year. $200 of preventative and wellness is included along with $60 (four times per year) for outpatient physician visits and retail health clinic visits. Outpatient Urgent Care and ER visits have a combined yearly coverage of $100. Outpatient diagnostic x-ray and lab fees covered up to $100 per year while outpatient advanced studies covered up to $300 per year.

 

Core Access Premier Plan 1 - Deductible options of $0, $1,000, $2,500, and $5,000. Inpatient hospital confinement coverage of $2,000, and $3,000 for intensive care or critical care unit. Inpatient hospital physician visits receive $70 reimbursement. Maximum inpatient surgical service is $6,000 per surgery ($4,000 -primary surgeon, $800 - assistant surgeon, and $1,200 anesthesiologist). Maximum total benefit for outpatient surgical service is $2,600 ($800 - facility, $1,200 - surgeon, $240 - assistant surgeon, and $360 anesthesiologist).

Maximum ambulance service coverage per trip per year is $400 (ground or water) and $1,500 (air). Second surgical opinion benefit is $100 and $800 for outpatient chemotherapy and radiation. Outpatient prescriptions are discounted. Maternity coverage is not included. $200 of preventative and wellness is included along with $60 (four times per year) for outpatient physician visits and retail health clinic visits. Outpatient Urgent Care and ER visits have a combined yearly coverage of $200. Outpatient diagnostic x-ray and lab fees covered up to $100 per year while outpatient advanced studies covered up to $500 per year.

 

Core Access Premier Plan 2 - Deductible options of $0, $1,000, $2,500, and $5,000. Inpatient hospital confinement coverage of $3,000, and $4,500 for intensive care or critical care unit. Inpatient hospital physician visits receive $80 reimbursement. Maximum inpatient surgical service is $9,000 per surgery ($6,000 -primary surgeon, $1,200 - assistant surgeon, and $1,800 anesthesiologist). Maximum total benefit for outpatient surgical service is $3,900 ($1,200 - facility, $1,800 - surgeon, $360 - assistant surgeon, and $540 anesthesiologist).

Maximum ambulance service coverage per trip per year is $500 (ground or water) and $2,000 (air). Second surgical opinion benefit is $100 and $1,000 for outpatient chemotherapy and radiation. Outpatient prescriptions are covered with $4, $20, and $50 copays on generic, name brand and specialty drugs respectively. Maternity coverage is $5,000 per year. $200 of preventative and wellness is included along with $60 (four times per year) for outpatient physician visits and retail health clinic visits. Outpatient Urgent Care and ER visits have a combined yearly coverage of $300. Outpatient diagnostic x-ray and lab fees covered up to $100 per year while outpatient advanced studies covered up to $700 per year.

 

Supplemental Indemnity Plans

 

Benefits are provided in specific pre-determined amounts for in-hospital expenses.

Hospital SafeGuard Plan A - $1,000 per day benefit (31 days) for inpatient hospital confinement. Additional $1,000 per day benefit for 10 days.

 

Hospital SafeGuard Plan B - $2,000 per day benefit (7 days) for inpatient hospital confinement. Additional $2,000 per day benefit for 7 days.

 

Hospital SafeGuard Premier Plan A - $500 per day benefit (31 days) for inpatient hospital confinement. Additional $500 per day benefit for 10 days. $500 for each air ambulance transport and $100 for each ground ambulance transport (limit of two for both). $50 for one Urgent Care visit and $100, $500, and $1,000 for physician office, outpatient, and inpatient surgery (two surgery limit).

 

Hospital SafeGuard Premier Plan B - $1,000 per day benefit (31 days) for inpatient hospital confinement. Additional $1,000 per day benefit for 10 days. $500 for each air ambulance transport and $100 for each ground ambulance transport (limit of two for both). $50 for one Urgent Care visit and $100, $500, and $1,000 for physician office, outpatient, and inpatient surgery (two surgery limit).

 

 

Single And Family UHC Dental Plans

 

UnitedHealthcare offers four dental options in Indiana - Primary, Primary Choice, Premier Choice, and Premier Elite.

Dental Primary - $50 deductible per person with $25 copay on cleanings, x-rays, oral evaluations, fluoride treatment, space maintainers, and sealants. Basic services are subject to the deductible, 30% coinsurance, and a 6-month waiting period. Examples of benefits include amalgam and composite fillings, general anesthesia (with restrictions), local anesthesia, nonsurgical extractions, and palliative treatment. The annual maximum benefit is $1,000. Major services are not covered.

Dental Primary Preferred - Similar to prior plan, but with 50% coverage for major services (subject to deductible and on-year waiting period). Major services include (but are not limited to): inlays, outlays, oral surgery, repairs to crowns, dentures, and bridges, surgical extractions, full dentures, crowns, root canals, and treatment of gum disease.

 

UHC Private Vision Benefits

 

Customized plans with no waiting period are available. By utilizing a network provider,  a copay will cover exams and/or lenses. An allowance is provided for glasses. Non-network benefits are also provided, but out-of-pocket expenses are higher. Providers can offer full service, lenses and glasses only, at discounted rates, or exams (only) at discounted rates. The primary insured must be at least 18 years old. Two plans are available:

Plan A - One annual eye exam is provided with a $10 copay. A $50 allowance is provided for non-network providers. A $150 allowance is provided for frames (network providers). Non-network providers receive a $75 allowance. A $10 copay applies to the annual purchase of lenses. If non-network, the following allowances are provided: $40 - single vision, $60 - bifocal, and $80 - trifocal. Select and medically-necessary contact lenses have a $0 copay. Non-selection contacts receive a $125 allowance.

Plan B - One annual eye exam is provided with a $10 copay. A $50 allowance is provided for non-network providers. A $150 allowance is provided for frames (network providers). Non-network providers receive a $75 allowance. A $10 copay applies to the annual purchase of lenses. If non-network, the following allowances are provided: $40 - single vision, $60 - bifocal, and $80 - trifocal. In addition to glasses, select and medically-necessary contact lenses have a $0 copay. Non-selection contacts receive a $150 allowance.

 

Critical Illness Plans

 

Critical illness plans provide limited benefits for specific types of medical conditions. These types of policies are designed to supplement existing coverage, but not act as a primary plan. Cash is paid directly to the applicant for covered illnesses. Generally, money is paid upon the initial diagnosis, and not on a specific amount of expenses. Coverage between $10,000 and $50,000 is available. The diagnosis must be made 30 days after the effective date of coverage. Benefits are renewable to age 70. Applicants must be between the ages of 18 and 59.

Critical illness conditions: Heart attack, stroke, cancer (life-threatening), coma, renal kidney failure, major transplant, paralysis, non-invasive cancer, loss of hearing, vision, or speech, and coronary artery bypass graft.

Estimated current monthly rates below are for males. Female rates are slightly lower. Amounts shown are maximum benefits payable per policy.

 

40 Year-Old Rates

$10,000 - $16.67

$20,000 - $33.33

$30,000 - $50.00

$40,000 - $66.67

$50,000 - $83.33

 

50 Year-Old Rates

$10,000 - $35.33

$20,000 - $70.67

$30,000 - $106.00

$40,000 - $141.33

$50,000 - $176.67

 

55 Year-Old Rates

$10,000 - $45.08

$20,000 - $90.17

$30,000 - $135.25

$40,000 - $180.33

$50,000 - $225.42

 

Accident Plans

 

Limited accidental benefits are provided by four available options (see below). These types of policies are not considered major medical or comprehensive coverage, and are not designed to act as primary stand-alone plans. They are not eligible for federal subsidies and do not meet standard mandatory healthcare guidelines. Accidental injuries include lacerations, fractures, burns, concussion, and dislocation. A complete list of covered expenses is provided with the policy, and also available upon request.

All applicants must be between the ages of 18 and 64. Coverage is renewable until age 65. Proof of a covered loss must be submitted within 90 days to receive benefits. Naturally, injuries resulting from an accident that occurred before the effective date of the policy, are not covered. A basic review of the four available plans is listed below:

SafeGuard Premier - $16 estimated monthly rate. Must have minimum essential coverage to purchase policy. Maximum benefit amount options are $2,500, $4,000, $5,000, and $6,500. Designed as a supplement for existing coverage.

SafeGuard Plan A - $16 estimated monthly rate. $75 paid for first physician's office visit. $35 is paid for a maximum of six follow-up visits that occur within 30 days of accident or discharge.

SafeGuard Plan B - $22 estimated monthly rate. $100 paid for first physician's office visit. $50 is paid for a maximum of six follow-up visits that occur within 30 days of accident or discharge.

SafeGuard Plan C - $32 estimated monthly rate. $150 paid for first physician's office visit. $65 is paid for a maximum of six follow-up visits that occur within 30 days of accident or discharge.

 

Private Plans No Longer Available

 

IMPORTANT: The plans listed below are no longer offered as new policies. However, if you currently are covered under of of these "grandfathered" plans, you may continue to keep them active, unless you receive a termination notice from UHC. If that occurs, you have approximately 60 days to choose another option and a subsidy would be provided if you meet eligibility guidelines.

 Get the cheapest Indiana UnitedHealthcare plans. Catastrophic coverage saves money!

Saver 80  If your primary concern is paying for 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.

One of the recent changes to the policy was the addition of a "vanishing deductible" feature that automatically reduces your deductible each year it is not fully met (50% maximum). Thus, it is likely that you will start out with a lower deductible each year without requesting it. If you did submit an expensive claim, your good health in previous years can often save you thousands of dollars. 

 

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 medical insurance plan (HDHP). Rates are typically substantially lower than comprehensive plans and your contributions into the HSA are tax-deductible. The "savings portion" is optional and many consumers choose not to activate that feature and just "keep it simple."

Also, qualified future medical, dental and vision expenses are deductible and any money not spent in the current year will “roll” to the following year. You may choose your own bank to handle the savings account and you retain full control of your accumulated money at all times. At any time, you may withdraw unused funds from your account. It's much different than many years ago when you risked losing your deposits if you did not spend them quickly enough.

Wellness and preventive care benefits are provided and are also included 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. You own and operate your personal coverage instead of someone else.

 

Copay Select  One of the most comprehensive Indiana 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. If family members rarely go to the doctor, this would not be a good choice.

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. This is a PPO plan, as is the "Value" plan listed below.

 

Copay Select Value  A more affordable version of the "Copay Select," this plan provides benefits 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.

If you would like to see more complete details on any of the policies described, or additional plans not mentioned, simply contact us.