Indiana Health Insurance

According to data collected by the Center for Disease Control between 2001 and 2003, an average of 12.9% of Indiana residents a year had no Indiana health insurance.

Indiana Health Insurance Regulations

Indiana has some regulations that influence Indiana health insurance. Any Indiana health insurance company can include a pre-existing condition exclusion period for any medical conditions for which an individual was either treated or diagnosed within a year prior to the beginning of a new Indiana health insurance plan. The exclusion period (a time during the policy for which the designated condition is not covered) can last up to 12 months.

Old coverage can be used as credit towards a pre-existing exclusion period of a new Indiana health insurance plan provided there was no break in coverage. If the individual chooses to renew an existing Indiana medical insurance plan than that right is guaranteed regardless of health. Through Indiana health insurance law, guaranteed renewability provisions must be honored and all individuals wishing to renew an existing Indiana health insurance policy have the right to do so.

Under the Indiana health insurance law all policies must contain provisions for newborns and adopted children. Any parent’s individual Indiana health insurance policy automatically cover newborns and adopted children for 31 days.

Indiana health insurance companies can deny an individual access to Indiana medical insurance plans on the basis of health. Indiana health insurance rates also vary depending on age and health. However, Indiana residents are guaranteed coverage under an employer’s Indiana health insurance and cannot be denied or have limited coverage. For individuals between Indiana health insurance plans or between jobs, some Indiana health insurance companies provide access to temporary health insurance.

Alternative Indiana Health Insurance Options

For those who are “uninsurable” or are unable to gain access to individual Indiana health insurance, there are state programs that may help:

• Indiana Medicaid is available for all qualifying applicants who meet the eligibility criteria.
• Indiana Comprehensive Health Insurance Association is the high-risk pool for the state that provides qualified individuals and those who may be “uninsurable” to purchase into a group Indiana health insurance program. Pre-existing condition period may apply.
• Hoosier Healthwise is the Indiana health insurance program for children and pregnant women of any age and also some low income families who fail to qualify for Medicaid but may not be able to afford individual Indiana health insurance.
• Hoosier Rx is the prescription drug program available to individuals ages 65 and over who meet certain income eligibility criteria.

Indiana Department of Insurance

Indiana Department of Insurance:

Indiana Department of Insurance
311 West Washington St.
Indianapolis, IN 46204-2787
Phone: 317.232.2385
Fax: 317.232.5251

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For other Indiana Insurance Resources, See:

• Indiana Auto Insurance
• Indiana Home Insurance
• Indiana Health Insurance

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