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Indiana Health Insurance
Health insurance is very important for every individual, whether you are buying it as a group or as an individual. It protects you against the huge costs that may pile up as a result of your suddenly falling ill or being injured. If you are a resident of Indiana and are looking for health insurance, read on.
Buying a Policy in Indiana
As a matter of policy, insurers in Indiana may reject your health insurance application based on the status of your health. There is a pre existing condition maximum allowance of 12 months. However, you always have an option of receiving covers under HIPAA, under certain conditions. If you are eligible under HIPAA, you can get health insurance through Indiana Comprehensive Health Insurance Association (ICHIA). This organization offers health plans to individuals who cannot buy health insurance because of a pre existing condition.
Insurance for Small Business and Groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to six months prior to your application and the company may deny covers for those conditions up to 9 months.
The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Indiana. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Indiana Medicaid Plans
Medicaid plans are also offered in the state of Indiana. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Indiana also offers the CHIP or state children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Indiana Health Insurance Carriers
Our service is the best way for you to secure the most suitable Indiana health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An Easy, Fast and Free Way to Find Indiana Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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