Indianapolis Health Insurance
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Tips about Indianapolis Health Insurance

How am I protected? In Indiana, as in many other states, your health insurance options are somewhat dependent on your health status. Even if you are sick, however the laws protect you in the following ways.

  • You cannot you be required to pay more, because of your health status. This is called nondiscrimination.
  • All group health plans in Indiana must limit exclusion of pre-existing conditions. There are rules about what counts as a pre-existing condition and how long you must wait before a new group health plan will begin to pay for care for that condition. Generally, if you join a new group health plan, your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.
  • Your health insurance cannot be canceled because you get sick. Most health insurance is guaranteed renewable.
  • If you leave your job, you may be able to remain in your old group health plan for a certain length of time. This is called COBRA continuation coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage. If you lose your group health insurance and meet other qualifications, you will be federally eligible. If so, you can buy an individual health plan from the Indiana Comprehensive Health Insurance Association (ICHIA). You will not have a pre-existing condition exclusion period.

If you are healthy and not on expensive prescription meds, we recommend eHealthInsurance. Not only to they offer free instant quotes, but you can buy online over their secure site. They are only of the largest players in online health insurance. The only drawback, the application process takes about 10 minutes. But there are not a lead service looking to pimp your info to as many brokers as possible.

  • You may also be able to buy insurance from ICHIA if you have had difficulty obtaining affordable health insurance from private companies because of your health condition. In this case you may face a new pre-existing condition exclusion period. There are limits on what you can be charged for an ICHIA policy.
  • If you lose coverage under a fully insured small group health plan in Indiana, you can buy a conversion policy. You will not face a new preexisting condition exclusion period. There are limits on what you can be charged for a conversion policy.
  • If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group. All health plans for small employers must be sold on a guaranteed issue basis.
  • If you are a small employer buying a group health plan, there are limits on what you can be charged due to the health status, age, gender, or occupation of those in your group.
  • If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family. The Indiana Medicaid program offers free or reduced price health coverage for certain families, children, pregnant women, elderly, and disabled individuals.