Affordable health insurance in Indiana
Auto and health insurance in Indiana

It may seem that low cost Indiana medical health insurance is a thing of the past, but it is not. Here's getting low cost Indiana medical health insurance with a government program or using a private insurance company.

Indian Health care insurance Options

You have four alternatives for low cost health insurance in Indiana. They may be:

Low Income Health care insurance

Auto and health insurance in Indiana

The state of Indiana offers medical insurance to individuals and families who do not want private health insurance. These state sponsored programs include:

* Medicaid, that is available to children, teenagers, expectant women, and low income families.

* Hoosier Healthwise, which can be available to children, pregnant women, and low-income families.

* Medicare, the industry federal health insurance program available to people 65 or older, as well as for people who are disabled.

More resources for these programs, go to the Indiana Department of Insurance websites at:

High-risk Health Insurance

* Comprehensive Health Insurance Pool (CHIP), that is available to people with pre-existing health issues making them ineligible for private health care insurance.

For more information on this program, check out the Indiana Department of Insurance website at:

Private Health care insurance

There are two basic types of private health insurance plans available in Indiana. They are:

* Indemnity plans, also known as fee-for-service plans, which are the most expensive plans. These plans provide health care in exchange for a premium and a deductible (usually $500 to $2,000). Using these plans you may use your physician and hospital of your liking.

* Managed Health care insurance options (HMOs, PPOs, POSs), which are the least expensive plans. These plans provide health care in substitution for a premium and a co-payment (usually $5 to $10 per doctor visit). With these plans you must utilize a doctor or hospital in a network of health care professionals, or pay one more fee to use a non-network doctor or hospital.

Where you might get Low Cost Indiana Health Insurance

Health insurance premiums can vary dramatically form one insurance company to the next, so the right off the bat you need to do to get affordable health insurance is to compare rates from different companies. The best way to do that is to head to an insurance comparison website.


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