| You may think that low cost Indiana health | | | | |
| insurance is a thing of the past, but it's | | | | There are two basic types of private health |
| not. Here's how to get low cost Indiana | | | | insurance plans available in Indiana. They |
| health insurance with a government program or | | | | are: |
| with a private insurance company. | | | | |
| | | | * Indemnity plans, also called |
| Indian Health Insurance Options | | | | fee-for-service plans, which are the most |
| | | | expensive plans. These plans provide health |
| You have four options for low cost health | | | | care in exchange for a premium and a |
| insurance in Indiana. They are: | | | | deductible (usually $500 to $2,000). With |
| | | | these plans you may use the doctor and |
| Low Income Health Insurance | | | | hospital of your choice. |
| | | | |
| The state of Indiana offers health insurance | | | | * Managed Health Care Plans (HMOs, PPOs, |
| to individuals and families who cannot afford | | | | POSs), which are the least expensive plans. |
| private health insurance. These state | | | | These plans provide health care in exchange |
| sponsored programs include: | | | | for a premium and a co-payment (usually $5 to |
| | | | $10 per doctor visit). With these plans you |
| * Medicaid, which is available to children, | | | | must use a doctor or hospital within a |
| teenagers, pregnant women, and low income | | | | network of health care professionals, or pay |
| families. | | | | an additional fee to use a non-network doctor |
| | | | or hospital. |
| * Hoosier Healthwise, which is available to | | | | |
| children, pregnant women, and low-income | | | | Where to Get Low Cost Indiana Health |
| families. | | | | Insurance |
| | | | |
| * Medicare, which is a federal health | | | | Health insurance premiums can vary |
| insurance program available to people 65 or | | | | dramatically form one insurance company to |
| older, and for people who are disabled. | | | | the next, so the first thing you need to do |
| | | | to get low cost health insurance is to |
| For more information on these programs, visit | | | | compare rates from different companies. The |
| the Indiana Department of Insurance websites | | | | easiest way to do that is to go to an |
| at: in.gov/idoi | | | | insurance comparison website. |
| | | | |
| High Risk Health Insurance | | | | Visit or click on the following link to get |
| | | | low cost Indiana health insurance quotes from |
| * Comprehensive Health Insurance Pool (CHIP), | | | | top-rated companies and see how much you can |
| which is available to people with | | | | save. You can get more insurance tips in |
| pre-existing health conditions making them | | | | their Articles section, and get answers to |
| ineligible for private health insurance. | | | | your questions from an insurance expert by |
| | | | using their online chat service. |
| For more information on this program, visit | | | | |
| the Indiana Department of Insurance website | | | | The author, Brian Stevens, is a former |
| at: in.gov/idoi | | | | insurance agent and financial consultant who |
| | | | has written a number of articles on how to |
| Private Health Insurance | | | | get low cost Indiana health insurance. |