Affordable health insurance in Indiana

State of Indiana



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



Indian Medical insurance Options



You have four alternatives for low cost health insurance in Indiana. They're:



Low Income Health care insurance


State of Indiana
The state of Indiana offers health insurance to individuals and families who can't afford private health insurance. These state sponsored programs include:



* Medicaid, which can be available to children, teenagers, women that are pregnant, and low income families.



* Hoosier Healthwise, which is available to children, expecting mothers, and low-income families.



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



More resources for these programs, go to the Indiana Department of Insurance websites at: in.gov/idoi



Dangerous Health Insurance



* Comprehensive Health care insurance Pool (CHIP), which 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: in.gov/idoi



Private Health care insurance



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



* Indemnity plans, also referred to as fee-for-service plans, which are the most expensive plans. These plans provide medical 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 choosing.



* Managed Health Care Plans (HMOs, PPOs, POSs), which are the least expensive plans. Efforts provide health care in return for a premium and a co-payment (usually $5 to $10 per doctor visit). With one of these plans you must make use of a doctor or hospital within a network of health care professionals, or pay a different fee to use a non-network doctor or hospital.



Where to Get Low Cost Indiana Medical health insurance



Health insurance premiums may differ dramatically form one insurance company to the next, so the first thing you need to do to get affordable health insurance is to compare rates from different companies. The easiest way to do that is to go to an insurance comparison website.