Indiana



 

About Health Insurance in Indiana

Through East Coast Health Insurance, you can get coverage from one of the four top health insurance companies available in Indiana. We offer the services of Blue Cross Blue Shield, Aetna, Humana, and UnitedHealth One.

Statistics

  • Total Population: 6,348,800
  • Total Uninsured Population: 864,400 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,964
  • Average State Premium for Individual Health Insurance: $214

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Indiana

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our Indiana experts finding the best rates for you over the phone at 888-803-5917.

 

Indiana Health Insurance Market & Laws

Indiana’s regulations on health insurance are similar to other states, with important provisions such as guaranteed renewability, which protect the consumer from losing their policy at the end of a term. As long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.

Pre-existing conditions are considered as any illness for which you were treated within 12 months prior to applying for health insurance. Health insurance companies can give you up to 12 months of an exclusion period, where they do not cover any costs related to treating that condition.

Regulations in Indiana for health insurance also mandate that newborns and adoptees are placed on their parents’ individual insurance plan for the first 31 days after birth or adoption. If your insurance plan has the capability of coverage for dependents, then this law applies.

Insurance companies in Indiana are allowed to refuse to sell you a health insurance policy based on your health and age. They also have the legal right to increase your premium costs due to the same factors.

Coverage

For individuals who live in Indiana, health insurance is required to cover the following medical expenses:

  • Breast, prostate, and colorectal cancer screenings
  • Maternity care during and after pregnancy
  • Supplies for/treatment of diabetes

For more information on health insurance laws in Indiana, visit the Indiana Department of Insurance website.

 

Sources:

1. Kaiser Family Foundation, “Indiana – State Health Facts”. www.statehealthfacts.org

2. Indiana Department of Insurance. www.in.gov/idoi/

3. Health Insurance In-Depth, “Indiana Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Indiana.html