Home to the Indianapolis 500 and the Covered Bridge Capital of the world, Indiana is much less populated by Native Americans than the name would suggest. The state shares a border with Lake Michigan, and is therefore considered a Great Lakes state. With more Interstate Highway per square mile and main highways intersecting than any other state in the U.S., Indiana has the adequate motto of the “Crossroads of America.” This name also came from the large number of rivers in the state, especially the Ohio, used for transportation prior to the road system.
There are a variety of state parks with trails throughout the state for hiking, biking, walking, running as well as winter mountain sports. Residents of Indiana have access to water recreation as well in the various lakes and rivers. Indiana is a great place to be active and take advantage of the outdoors to stay healthy. If you live in Indiana and are looking for health insurance, East Coast Health Insurance offers plans through Blue Cross Blue Shield, Humana and UnitedHealthOne. For pricing and availability information in your area, enter your zip code below and get a detailed quote.
The population of Indiana is not the healthiest in the nation, according to the UnitedHealth statistics showing many areas where improvement is necessary. In 2011, this study showed there remains a high number of smokers throughout the state, reaching over 1 million adults despite a decrease in the population. There are also 1.5 million obese Indiana residents over age 19, a number which has increased over the past ten years. Other factors bringing down Indiana’s health include poor air quality, high rate of preventable hospitalizations, and increasing levels of infectious disease. Public health funding is also lacking, with coverage averaging $42 per person.
However, there is a relatively low percentage of adults who drink excessively, and an average amount of individuals without insurance. Though 13% of the population is uninsured, and that may be less than other states, it still leaves many Indiana residents without necessary coverage. Funding for public health programs is low, so utilizing a free, state-run services may not be open to as many uninsured individuals as is needed. Based on these factors, the health of Indiana is declining steadily. Unless big changes occur, which can start by adopting a healthy lifestyle, good health will continue to not be a priority. Start by getting a quote and considering what health plans might fit your budget, and begin to make changes with a health insurance plan.
Health Insurance Plans
Anthem Blue Cross Blue Shield of Indiana
- SmartSense Plus plans provide a simple and limited benefit plan for Indiana residents who want to save money on health insurance and still get the coverage they need. These plans cover generic and brand name prescription drugs, as well as the first three doctor’s office visits for a predictable copay. Deductible options with SmartSense plans range from $500 to $10,000 for individuals and twice as much for families. There is an additional prescription drug benefit for a higher amount of coverage. When you meet the deductible, in-network care is covered at 70% on select services such as emergency room visits, diagnostic work, inpatient stays and outpatient care. For no charge, you can receive preventive care with a network doctor immediately.
- Premier Plus plans are full of benefits, covering the largest number of services of any PPO plan from Anthem. There are many deductible options available, ranging from $500 to $10,000 for individuals. Once you have reached the deductible, your Premier plan will cover 80% or 100% of in-network health care services. These plans have an optional maternity benefit available. Office visits to a primary care doctor are a $30 copay, and there is a $40 copay for seeing specialists. Prescription drugs are covered on all tiers, and preventive care is covered at 100% with in-network providers. You also have the option of using non-network care for 40% coinsurance after deductible.
- CoreShare plans have higher cost sharing, or coinsurance, and the widest selection of annual deductibles – from $750 to $25,000 for individuals, and double for families. These plans offer preventive care with in-network providers for no cost as soon as your plan begins. After you have paid the deductible amount, you can receive all types of care for 50% coinsurance or no cost depending on which deductible you choose. Since these are PPO plans, you still have the freedom of using non-network providers if you choose, for either 70% or 30% coinsurance after deductible. Prescription drugs are covered for either $15 copay or 40% coinsurance, regardless of the network.
- Lumenos HSA plans are high deductible health plans with varying levels of coinsurance, and the ability to pair your plan with a health savings account. Using an HSA for medical funds allows for greater flexibility and control over your health care, and provides an income tax break. Deductibles range from $1,500 to $5,500 for individuals, and depending which you select your coinsurance will be 50%, 20% or 0% after deductible. Many services are covered with the Lumenos HSA plan, including physician services, emergency care, surgery, prescription drugs and inpatient care.
- Traditional PPO plans come in three types in Indiana: Portrait, Autograph and Monogram. Portrait and Autograph plans cover 80% of your major medical expenses after deductible, and Monogram plans cover 100%. Covered services include preventive care, inpatient hospitalization, outpatient care, emergency room visits, and diagnostic services. There is a separate deductible for prescriptions, followed by a set copay for each tier of drugs. Doctors office visits are unlimited with Portrait plans, limited to 6 with Autograph plans, both for a $35 copay for primary care and $50 for specialists. Monogram plans include physician services in their 100% coverage after deductible.
- HSA plans available in Indiana from HumanaOne are Autograph Total Plus Rx HSA, which come in a variety of deductibles from $1,500 to $5,000 for individuals. These plans cover 100% of the cost of physician, diagnostic, emergency and hospital services after you meet the deductible. Due to the higher deductible, these plans are qualified for use with a health savings account, which can be very helpful and convenient when paying for medical expenses. These funds can be withdrawn without tax and used toward your deductible or cost sharing. Preventive care is available for no cost when using the PPO network, with no deductible requirement.
- Copay plans in Indiana come in two varieties for different budgets: Copay Select and Copay Select Value. These plans cover either 70%, 80% or 100% of your expenses after meeting the deductible on health care such as inpatient care, outpatient surgery and testing, and home health care. A great advantage of copay plans is the access to benefits as soon as your plan starts, including preventive care for no cost with UnitedHealthOne providers, and physician visits, prescription drugs and emergency care for a copay. Value plans have a limited number of benefits, including generic prescription drugs only and limited doctor’s office visits. Deductibles choices are between $1,000 and $10,000 for individuals with both types of plan.
- High Deductible plans from UnitedHealthOne are available with many deductibles and several coinsurance levels. These plans come in three types, including Saver 80, Plan 80 and Plan 100, so you can choose 80% or 100% coverage after deductible. Plan 100 is the most convenient, with deductibles ranging from $2,500 to $10,000, and offering in-network health care services at no cost once you have paid the deductible. Plan 80 also has a comprehensive set of benefits, but requires a payment of 20% coinsurance after deductible on covered health care. Saver 80 plans are more limited, but are helpful to those with a tighter budget, no urgent need for every type of medical service under the sun. All of these cover preventive care as soon as your plan starts for no charge with network providers.
- Health Savings Account plans are high deductible plans that can be connected to a health savings account (HSA) for more power over your medical spending. HSA 70 plans cover 70% of medical care after you meet the deductible, and HSA 100 plans cover the entire cost of services in-network. Services covered by the plan include doctor’s office visits to primary care and specialists, hospital care, surgery, emergency room visits and more. With your HSA, you can pay for qualified health care costs or save up for the future, all the while receiving tax advantages. These plans are perfect for those who want to monitor their health care costs and receive a large array of benefits.
Public Health Options
Indiana does not have the most ample funding for its public health programs (as stated above), however, they do exist. As in every other state, there is a Medicaid program to provide health insurance to low-income families, children, pregnant women, residents over 65, and disabled individuals. Residents of Indiana with certain cancers and other chronic illnesses or high medical bills can also receive Medicaid. For a full list of requirements for persons who can get Medicaid coverage, find Indiana on our Medicaid Eligibility by State page. Other programs include free vaccinations, assistance for healthy eating, and prevention services. For a full list of public health programs, visit the Indiana State Department of Health site.
- Medicaid: health insurance plans including Hoosier Healthwise, Care Select and Healthy Indiana for various groups of Indiana residents who are uninsured and cannot afford coverage through an insurer.
- Diabetes Prevention and Control Program: promoting awareness of the disease and offering health care services to diabetics and also preventive screenings.
- InShape Indiana: a free resource for education on how to improve the quality of health among Indiana residents.
- Women, Infants and Children Program (WIC): Indiana’s supplemental nutrition assistance for pregnant or breastfeeding women as well as new mothers who may not be able to afford proper nutrition.
Health Insurance Laws
In Indiana, health insurance regulations affect individuals who apply for insurance in various ways. When an insurer decides you have a pre-existing condition, they use the prudent person standard, which means any past condition you sought treatment for or could have but did not seek care or advice for. Once determined as an applicant with a pre-existing condition, insurers in Indiana can refuse to sell you a plan or increase your rates. If you are accepted for a plan, the insurance company has the legal right to opt out of paying for care related to your pre-existing condition for up to 12 months with an exclusion period.
Though other states have more harsh rules regarding pre-existing conditions, Indiana residents can still use an alternative. The Pre-Existing Condition Insurance Plan helps adults with pre-existing conditions get coverage that does not exclude any type of care or overcharge based on health status. These plans are operated by the U.S. Department of Health & Human Services and are affordable for many individuals. Once the Affordable Care Act requires all health insurance companies to sell fair coverage to adults with pre-existing conditions, the PCIP program will be eliminated.
In January 2014, everyone will be accepted for a private health insurance plan or use a state health exchange for coverage. Despite any conditions held in the past or present, all insurers must provide their products to all adults in every state. Plans will no longer have exclusion periods either, as such actions will be banned. Though there has been controversy over the costs that will be incurred by health insurance companies, getting everyone on a health insurance plan is the higher priority.
A part of HIPAA is also important to individuals who have insurance coverage is guaranteed renewal, which ensures an individual can renew their plan when it expires. Under this law, insurers must offer the plan that has just expired for another term to the policy-holder to make sure they do not have any days without coverage. The guaranteed renewability provision also states that once an individual has purchased a plan in good health, they are permitted to keep their benefits for the length of the term even if they acquire an illness or condition after it starts.