Introduction: The health insurance situation within the state of Indiana is almost same as other states of the country. Between 2001 and 2003, the Center for Disease Control conducted a survey on Indiana health insurance. The report of the survey revealed that for each year, 12.9% of Indiana population did not get any health insurance coverage.
To let the Indiana dwellers be informed about the current health insurance status of the state, we have offered a useful abstract, below. In this abstract, we have discussed about important Indiana medical insurance regulations and the state-aided health alternative programs. It also contains a comprehensive list of top Indiana health insurance providers.
Important Regulations for Indiana Health Insurance
The state government of Indiana has some important rules and regulations to regulate the state's health insurance condition and monitor activities of Indiana health insurance providers. The regulations are discussed below:
- Each and every Indiana medical plan should offer a guaranteed provision for renewal. This guaranteed renewability provision allows every individual, irrespective of medical condition, to renew their existing health insurance plan, provided the individual has furnished no fake information and cleared all the premiums, timely.
- Indiana health insurance companies can implement a waiting period for a pre-existing medical condition.
- As per state laws, a pre-existing medical condition may be defined as a health condition for which an individual has been covered by previous Indiana health insurance plan and treated within 12 months before commencement of new Indiana health insurance plan.
- Waiting period for a pre-existing medical condition can extent up to I year, in maximum.
- All the Indiana health insurance plans should offer coverage for both of newborns and adopted children. Newborns and adopted children should automatically get covered by their parent's health insurance plan for up to 31 days from the pertinent day of birth or adoption, accordingly.
- Indiana health insurance companies have right to refuse and reject an application; depending on age and health status of the applicant. However, rejection is completely prohibited for the individual who applies through an employer.
- Individual, seeking for employer health insurance plan, can enjoy unlimited coverage.
- Some insurance companies offer temporary or conversion health insurance plans. Individuals who are between health insurance plans or jobs can take advantage of these plans.
Indiana Health Insurance Alternative Options
There are some alternative health insurance options, active in the state of Indiana. All of these insurance alternatives are basically state-run health insurance programs. Indiana residents, who are otherwise considered as “uninsurable” by the Indiana health insurance companies or unable to afford Indiana health insurance, can opt for these programs. Indiana health insurance alternative programs are as follows:
- Indiana Medicaid: This program is available to the Indiana residents who qualify all the income as well as other eligibility criteria.
- Hoosier Healthwise: This is actually Indiana State Children Health Insurance program. The program is especially created for the Indiana children; below and up to the age of 19. However, the children should belong to the families that are not eligible for Indiana Medicaid or otherwise can't afford Indiana health insurance. Pregnant women of all ages are also eligible for this state program.
- Hoosier Rx: This program is designed for the Indiana residents ages 65 or more than 65; provided they should meet all the income qualifying criteria. This is an Indiana state prescription drug program.
- Indiana Comprehensive Health Insurance Association: This is a high risk pool for the state that lets the Indiana residents, who are otherwise considered as “uninsurable”, have access to group Indiana health insurance plans. A waiting period for a pre-existing medical condition may be applicable.
Indiana Health Insurance Companies
As per the Indiana Department of Insurance, the top Indiana health insurance companies and health insurance plans that are active in CAQH credential plan are as mentioned below ( the list is designed in an alphabetic order):
- Aetna, Inc.
- Affiliated Healthcare, Inc. (AHI)
- AmeriHealth New Jersey
- Anthem Blue Cross and Blue Shield
- Arnett Clinic, LLC
- Atlantis Health Plan
- AvMed Health Plans
- BlueCare Network
- Blue Cross and Blue Shield of Florida
- Blue Cross and Blue Shield of Georgia
- Blue Cross and Blue Shield of Kansas
- Blue Cross and Blue Shield of Kansas City
- Blue Cross and Blue Shield of Michigan
- Blue Cross and Blue Shield of Missouri
- Blue Cross and Blue Shield of Wisconsin
- Blue Cross and Blue Shield of North Carolina
- Blue Cross and Blue Shield of Western New York
- Blue Cross of California
- Buckeye Community Health Plan
- Capital District Physicians' Health Plan (CDPHP)
- Care1st of Arizona
- CareFirst BlueCross BlueShield
- Care Improvement Plus
- CareSource Indiana
- CareSource Ohio
- Centene Corporation
- The Chiropractic Association of the Midwest
- CIGNA HealthCare
- CIGNA Behavioral Health
- Clinical Practice Organization
- Colonial Cooperative Care
- Community Care Physicians
- Community Health Care Network
- Coventry Health Care
- Culpeper PHO
- Deaconess Health Plans
- Elder Health, Inc.
- Empire HealthChoice
- Excellus Health Plans
- First Choice PHO
- The First Health Network / CCN Network
- Gordon PHO
- Great-West Healthcare
- Greater Rochester IPA (GRIPA)
- Group Health Insurance of New York (GHI)
- HealthLink, Inc.
- Health Net, Inc.
- HealthNow New York, Inc.
- Health Options, Inc.
- HealthPlan of Michigan
- Heritage Health Systems
- HIP Health Plan of New York
- Horizon Blue Cross Blue Shield of New Jersey
- Humana / ChoiceCare Network
- Independence Blue Cross
- Independent Health
- Independent Practice Association of Georgia, Inc.
- Indiana ProHealth Network
- Indiana University, University Health Care Associates
- Kaiser Foundation Health Plan of the Mid-Atlantic States
- Kentucky Medical Services Foundation, Inc.
- Lewis-Gale Clinic, LLC
- Lifespan/New England Physician Network
- MAMSI Health Plans
- Magellan Health Care, Inc.
- Martin's Point Health Care
- Medical Mutual of Ohio
- Mercy Health Plans
- Meriden - Wallingford IPA
- Molina Healthcare
- MVP Health Plan, Inc.
- National Capital Preferred Provider Org. (NCPPO)
- New Avenues, Inc
- North Texas Specialty Physicians
- NorthWest Georgia Physicians Association
- Opticare Eye Health Network
- Oxford Health Plans, Inc.
- Parkview Health Plan Services
- Peach State Health Plan
- Physicians United Plan, Inc.
- Planned Parenthood of Metropolitan Wash. DC, Inc.
- Preferred Care
- Priority Health
- Rochester Community IPA, Inc. (RCIPA)
- Rocky Mountain Health Plans
- Sentara Healthcare
- Saint Barnabas/MetroWest I P A
- Suburban Health Organization
- Sutter Medical Foundation
- Synergy Health Network
- TRIAD Healthcare, Inc.
- Unified Physician Network
- United Behavioral Health
- University Health Plans
- Virginia Premier
- WellPoint Behavioral Health
- Women and Infants Physician Hospital Organization of Rhode Island
IN Insurance Commission
For more information on Indiana health insurance, you can contact at the following address:
Indiana Department of Insurance:
311 West Washington St.
Indianapolis, IN 46204-2787