How to Obtain Low cost Indiana Health Care Insurance
You may think that affordable Indiana medical insurance is a thing of the past, but it’s not. Here’s how to get affordable Indiana medical insurance with a government program or with a private insurance company.
<h3>Indian Health Care Insurance Options</h3>
You have four options for affordable medical insurance in Indiana. They are:
<h3>Low Income Health Care Insurance</h3>
The state of Indiana provides medical insurance to individuals and families who can’t afford private medical insurance. These state sponsored programs include:
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<li>• Medicaid, which is available to children, teenagers, pregnant women, and low income families.</li>
<li>• Hoosier Healthwise, which is available to children, pregnant women, and low-income families.</li>
<li>• Medicare, which is a federal medical insurance program available to individuals 65 or older, and for individuals who are disabled.</li>
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For more information on these programs, visit the Indiana Department of Insurance Web sites at: in.gov/idoi
<h3>High Risk Health Care Insurance</h3>
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<li>• Comprehensive Health Care Insurance Pool (CHIP), which is available to individuals with preexisting medical conditions making them ineligible for private medical insurance.
For more information on this program, visit the Indiana Department of Insurance Web site at: in.gov/idoi
<h3>Private Health Care Insurance</h3>
There are two basic types of private medical insurance plans available in Indiana. They are:</li>
<li>• Indemnity plans, also called fee-for-service plans, which are the most costly plans. These plans provide health care in exchange for a premium and a deductible (normally $500 to $2,000). With these plans you may use the physician and hospital of your choice.</li>
<li>• Managed Medical Care Polcies (HMOs, PPOs, POSs), which are the least costly plans. These plans provide health care in exchange for a premium and a co-pay (normally $5 to $10 per physician visit). With these plans you must use a physician or hospital within a network of health care professionals, or pay an additional fee to use a non-network physician or hospital.</li>
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