Read This Article And Find Out More About Health Care Insurance Companies In Indiana


Healthcare insurance is also a form of insurance that saves you from any financial distress. Health insurance policies are available from private insurers as well as from the State Governments. People of all walks, whether financially poor or disabled or old, are covered under different health care schemes in Indiana. There are Government sponsored health care programs to help the people to avail health treatment benefits. In the following paragraphs, we are going to discuss about the healthcare insurance companies and health care facilities in Indiana, in detail.

Health Insurance Companies in Indiana:

There are many private health insurance companies in Indiana licensed to sell health insurance to the people. Indiana health care facilities are good in Indiana thanks to the health care schemes sponsored by the Government. The types of health insurance offered by the private insurers and the State Government are Individual health insurance, Family Health Insurance, Short Term Health Insurance, International Health Insurance, Health Savings Accounts, Dental insurance, Vision Insurance and Medical Insurance Packages.

Similarly under “Medicare” schemes, there are many plans such as Medicare Insurance, Medicare Advantage, Medicare Supplement and Medicare Part-D. Besides, for small business organisations there are Group Health Insurance, Group Dental Insurance and Group Vision Insurance for the benefit of employees. The employer will take care of the health insurance schemes of his or her employees.

Some of the reputed health insurance companies that offer Indiana health care insurance are Aetna, Anthem Blue Cross and Blue Shield, Assurant Health, Celtic, Consumers Life Company Health Insurance, Humana, PHP, IHC Health Solutions, Time Insurance, United Security Life Health Insurance, United Health One, World Insurance and more.

Medicare Plans:

Once you are enrolled in Medicare scheme, you can shop around to find the best priced health insurance plan available in your State. Before that, learn how Medicare works. Medicare consists of four parts. The first two parts are Part-A (hospital insurance) and Part-B (medical insurance). These two parts together form Original Medicare as well as Part-C (Medicare Advantage) and Part-D (prescription drug coverage). Eligible individuals can also enroll themselves in Medicare Supplement Insurance Plan to bridge the gap in medical insurance coverage under Original Medicare.

The State Government provides original Medicare Parts A and B to the people who are 65 years of age or older and have worked in Medicare covered employment for ten years. The people, who are below 65 years of age and have received disability benefit for the 24 consecutive months, also become eligible to receive Medicare coverage. While Medicare Part A may be without premium, whereas Part B requires a monthly premium and out of pocket costs, in general.

This is because the schemes namely Medicare Advantage, Medicare Prescription Coverage and Medicare Supplement insurance plans are provided by private Indiana health care providers and hence variable costs may be charged, which include premiums, deductibles, copayments and coinsurance payments.

As the availability and costs vary from company to company, the beneficiaries are recommended to shop around to find the best Indiana health care plan that suits them in all respects. For getting these quotations, you can approach the local agencies and you can get the same free of cost.

How to Apply?

One can buy a health insurance plan through State Government or through private insurance companies. Indiana is the Government’s official portal through which you can apply and buy a health exchange plan under the Affordable Care Act. Even if you buy these plans through private insurers, you will pay the same price as sold by Government agencies thanks to the strict regulations issued by the State Government.

For enrolling yourself under Indiana health care plans, you will have to fill up a form in which you are required to provide some important personal information such as your social security number, details of your employer, your pay particulars and the like.

The Indiana Department of Insurance Consumer Services is there to help the residents of Indiana in resolving any issue with the insurance provider, locate a doctor within their network, billing problems and the like.

Important Points to be Considered:

There is no doubt that buying an Indiana health care insurance plan is very much essential as the cost of medicines, medical treatments, hospital charges and other related expenses have gone higher and higher.

First of all, check for the waiting period clause incorporated in the health insurance plan. According to this clause, any hospitalisation claim will not be admissible in the first 30 days of the commencement of the policy except for accidental hospitalisation. Similarly, the pre existing health conditions are also not covered immediately after the purchase of the policy. You may have to wait for a period of two to four years to become eligible for the treatment under the cover of the insurance policy. Therefore, this clause have to be checked before buying a health insurance plan.

There are certain sub limits under the health insurance plans. According to this the insurer will bear the health care expenses to a certain limit and if the expenses go beyond that limit, the customer has to bear the rest. The check for such sub limits is essential so that you can avoid some last minute surprises and disappointments.

You have also to check the list of network hospitals. The Indiana health care insurance companies will have their own network of hospitals and the beneficiaries have to confirm that these hospitals are closer to their residence to meet any urgent medical treatment. You can receive cashless treatment only from these network of hospitals. If you consult any other hospital outside the network, you may have to bear those expenses.

Also check for the claims process followed by the insurance companies. Ensure a hassle free claims process or otherwise, you will have to run from pillar to post for making claims and sometimes it may go in vain.

It is all the more important to shop around either through online or by personal approach in order to ensure the right coverage at the right price.


Even though the Indiana State sponsor for many health care schemes for its people, you cannot avoid buying health insurance from private insurers. Therefore, you have to ensure yourself in getting the full fledged health coverage at a reasonable price.