Car and health insurance in Indiana

It may seem that low cost Indiana health care insurance is a thing of the past, however it is not. Here’s the way to get low cost Indiana medical insurance with a government program or using a private insurance company.

Indian Health Insurance Options

You have four choices for low cost health insurance in Indiana. They may be:

Car and health insurance in Indiana

Low Income Health Insurance

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

* Medicaid, which is available to children, teenagers, pregnant women, and low income families.

* Hoosier Healthwise, that’s available to children, expectant women, and low-income families.

* Medicare, that is a federal health insurance program accessible to people 65 or older, and for people who are disabled.

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

High-risk Health Insurance

* Comprehensive Health care insurance Pool (CHIP), that’s available to people with pre-existing health problems making them ineligible for private medical health 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 forms of private health insurance plans accessible in Indiana. They are:

* Indemnity plans, also called fee-for-service plans, which are the most expensive plans. These plans provide medical care in exchange for a premium plus a deductible (usually $500 to $2,000). With one of these plans you may use the physician and hospital of your choice.

* Managed Health care insurance options (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 utilize a doctor or hospital in a network of medical researchers, or pay yet another fee to use a non-network doctor or hospital.

Where you get Low Cost Indiana Health Insurance

Health insurance premiums can differ dramatically form one insurance carrier to the next, so the right off the bat you need to do to get affordable health insurance is to compare rates from different companies. The easiest way to do that is to head to an insurance comparison website.

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