Indiana comprehensive heath care coverage provides benefits similar to expensive group plans available through employers. In addition to the standard preventive, major medical, and hospital benefits, physician charges, medications, accidents, illnesses, maternity, and mental illness are included. Physical, speech, occupational, and hearing, and orthopedic therapy are covered on qualified plans. Plans are offered both on and off the Marketplace and both inpatient and outpatient services are included.

Anthem Blue Cross, Ambetter and CareSource offer complete benefits to employees of groups, individuals and families in Indiana. It is the most common type of medical coverage. We assist you with finding the most affordable policies available to consumers, determining if you are eligible for a federal tax subsidy, and applying so you are approved as quickly as possible. No medical questions are asked during Open Enrollment, and a guaranteed effective date can be selected. Policies can be kept as long as the premium payment is made. Unlimited lifetime benefits are provided with no annual maximums. Special OE periods are often created for pandemics (COVID-19).

Aetna, Humana, Medical Mutual, and MDwise no longer offer under-65 private plans in the Hoosier State. However, many of these carriers (and others) offer employer-provided plans along with Senior Medicare plans. Additional Medigap benefits are offered through Supplement, Advantage, and Part D prescription drug plans. Other ancillary options, including dental, vision, and hearing, are often available through Advantage contracts. The Senior Medicare Open Enrollment period begins October 15th and ends December 7th.

We created this website to educate customers and simplify the process of applying for quality affordable healthcare. We take the time to investigate and find the comprehensive plans that not only match your budget, but also provide the coverage you are most likely to utilize. Children require different preventative coverage than adults, so we customize your benefits to closely match budget and policy and carrier availability. Maternity and prenatal benefits are also included on all qualified plans.

The Best Prices

The rates you view on this website are the lowest rates filed by each carrier for 2022 with the Indiana Department of Insurance. If you already have an in-force policy, we can evaluate your best options, which may include staying with your present company. If you are eligible for a federal subsidy to use for Marketplace coverage, we will calculate and explain your financial aid, and show you the policies that will maximize your assistance. If you are eligible for Medicare, a Supplement, Advantage, and Part D prescription drug plan should be reviewed.

Depending on your personal or family situation, reducing your potential out-of-pocket costs, and lowering deductibles and copays, are typically very beneficial. We show you the comprehensive policy options that keep your premiums low but still provide the highest level of quality benefits available. Note: Deductibles, copays, and maximum out-of-pocket expenses reduce for Silver-Tier plans when “cost-sharing” is offered. The maximum deductible and out-of-pocket expense limit is currently $8,770.

Household members must earn between 100% to 250% of the federal poverty level to automatically earn Silver-tier out-of-pocket expense reductions. Deductibles can reduce to $0 and out-of-pocket costs can reduce to less than $1,000. When taking advantage of this cost-sharing option, it is common for office visit and prescription drug copays to reduce.

 

2022 Comprehensive Plan Options (From Cheapest To Most Expensive)

Caresource Marketplace Bronze First – $40 pcp office visit copay, and $80 specialist office visit copay. Urgent Care visits are also subject to a $100 copay and the deductible. The low-cost drug copay is $25 ($62.50 for mail order). X-rays are subject to a $125 copay and must meet the deductible. Lab tests are subject to 50% coinsurance and the deductible. Mental health, behavioral health, and substance abuse services have a $40 copay for outpatient services. Autism spectrum disorders (behavioral, occupational, and physical) habilitation services are covered with a $40 copay. An annual children’s dental checkup is covered with a $0 copay. Dental and vision benefits may be added for approximately $9 per month extra (per adult).

Caresource Marketplace Low Premium Silver – $35 pcp office visit copay and $70 specialist office visit copay. Urgent Care copay is $75. The low-cost drug copay is $20 ($50 for mail order). The preferred brand drug copays are $50 and $125. X-rays are subject to a $200 copay and must meet the deductible. Lab tests are subject to 25% coinsurance and the deductible. Mental health, behavioral health, and substance abuse services have a $35 copay for outpatient services. Autism spectrum disorders (behavioral, occupational, and physical) habilitation services are covered with a $35 copay. An annual children’s dental checkup is covered with a $30 copay. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Ambetter Balanced Care 29 – $20 pcp office visit copay and 35% coinsurance and deductible applies to specialist office visits. Urgent Care copay is $60. The generic drug copay is $35. The preferred brand drug copay is $75. Tier 3 and Tier 4 drugs are subject to the deductible and coinsurance. Professional services and outpatient lab tests are subject to a $35 copay. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult). $5,450 deductible with 35% coinsurance.

Caresource Low Premium Silver – $20 pcp office visit copay and $40 specialist office visit copay. Urgent Care copay is $100. The generic drug copay is $20 ($50 for mail order). The preferred brand drug copays are $50 and $125. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Ambetter Balanced Care 4 – $30 pcp office visit copay and $60 specialist office visit copay. Urgent Care copay is $100. The generic drug copay is $15 ($45 for mail order). The preferred brand drug copays are $50 and $150. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Ambetter Balanced Care 2 – $30 pcp office visit copay and $60 specialist office visit copay. Urgent Care copay is $100. The generic drug copay is $15 ($45 for mail order). The preferred brand drug copays are $50 and $150. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Ambetter Balanced Care 12 – $30 pcp office visit copay and $65 specialist office visit copay. Urgent Care copay is $75. The generic drug copay is $15 ($45 for mail order). The preferred brand drug copays are $50 and $150. The non-preferred brand drug copas are $100 and $300. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Caresource Gold – $10 pcp office visit copay and $50 specialist office visit copay. Urgent Care copay is $75. The generic drug copay is $10 ($25 for mail order). The preferred brand drug copays are $50 and $125. The non-preferred brand drug copays are $200 and $500. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Ambetter Secure Care 1 – The first three pcp office visits are covered at 100%. The generic drug copay is $10 ($30 for mail order). The preferred brand drug copays are $25 and $75. The non-preferred brand drug copays are $75 and $225. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Caresource Hoosier Choice Gold – $10 pcp office visit copay and $50 specialist office visit copay. Urgent Care copay is $75. The generic drug copay is $10 ($25 for mail order). The preferred brand drug copays are $50 and $125. The non-preferred brand drug copays are $200 and $500. Dental and vision benefits may be added for approximately $20-$25 per month extra (per adult).

Monthly Rates In Several Cities

Indianapolis – Married couple (both 45 years old) with household income of $37,000.

$168 – CareSource Marketplace Bronze

$204 – Ambetter Essential Care 2 HSA

$218 – Ambetter Essential Care 11

$224 – CareSource Marketplace HSA Eligible Bronze

$229 – Ambetter Balanced Care 5

Fort Wayne – 55 year-old with household income of $28,000

$146 – CareSource Federal Simple Choice Bronze

$148 – CareSource Low Premium Silver

$174 – Ambetter Balanced Care 5

$188 – Ambetter Balanced Care 4

$207 – Ambetter Balanced Care 2

Evansville – 28 year-old with household income of $20,000

$73 – Ambetter Balanced Care 5

$79 – Ambetter Balanced Care 4

$89 – Ambetter Balanced Care 2

$94 – Ambetter Balanced Care1

$108 – Ambetter Balanced Care 10

South Bend – Married couple (both 35 years old) with two children and with household income of $64,000

$394 – CareSource Federal Simple Choice Bronze

$397 – CareSource Low Premium Silver

$453 – CareSource Silver

$572 – Ambetter Balanced Care 5

$598 – Ambetter Balanced Care 4

Carmel – 45 year-old with household income of $32,000

$225 – Ambetter Balanced Care 5

$229 – CareSource Federal Simple Choice Bronze

$230 – CareSource Low Premium Silver

$238 – Ambetter Balanced Care 4

$251 – Ambetter Balanced Care 2

Don’t Forget About HSAs

Hoosier Health Savings Accounts (HSAs) provide solid benefits after a deductible has been satisfied. Although office visits (other than preventive visits) and prescriptions are subject to the deductible, with most HSA plans, 100% of expenses are covered after the deductible. Network repricing discounts will also reduce out-of-pocket expenses. Special exceptions are sometimes made for pandemics (COVID-19) and unusual medical circumstances.

For example, although an MRI is subject to a deductible, the actual cost could easily reduce from about $1,500-$2,000 to about $500-$1,200. The substantial savings also applies to x-rays, lab fees, hospital procedures, and many other diagnostic tests. Utilizing negotiated predetermined pricing can easily save thousands of dollars each year.

The combination of lower premiums, tax deductions and accumulating money for future medical expenses, makes this type of policy very popular. Anthem and UnitedHeathCare offer very competitive rates. Celtic and Aetna previously offered “Saver” HSA plans. But both carriers now no longer offer individual policies in the Hoosier State. Note: Ambetter and Celtic are owned by the same company (Centene).

HSA Plan Options:

CareSource Marketplace HSA Eligible Bronze

US Health And Life Ascension HSA Eligible Bronze

Ambetter Essential Care 2 HSA

 

ICHIA No Longer Available

The ICHIA (Indiana Comprehensive Health Insurance Association) was a low-cost option if you had been denied coverage, were chronically ill, or you had been unable to purchase a plan due to your medical history. When the ACA legislation was passed, the ICHIA and all other state high-risk pools became obsolete. The program ceased operations in January of 2014 after a three-month extension because of problems with the federal healthcare website. About 7,000 Hoosiers were covered on the plan, but soon became eligible for Marketplace or Medicaid coverage.

There were five policy options with deductibles ranging from $500 to $5,000. 75% of any net losses were paid by the state and 25% by participating insurers. It was  a very reliable comprehensive medical plan for single persons or entire families. The program began in 1981 and suffered substantial underwriting losses for many years. Its termination was welcomed by legislators and consumers.

Review

The “Get Free Quotes” section at the top of the page will allow you to quickly compare Indiana health insurance policies, and if you wish, apply for a policy. We are always happy to help you with every step along the way. And as previously mentioned, you never pay a fee for our help. Although Open Enrollment begins on November 1 and ends December 15, you may still qualify for a “Special Enrollment Period,” which allows you to obtain coverage at any time of the year.