health insurance rates



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



Indian Health Insurance Options


You have four alternatives for low cost health insurance in Indiana. These are:

health insurance rates

Low Income Health care insurance



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



* Medicaid, that is available to children, teenagers, expectant women, and low income families.



* Hoosier Healthwise, which can be available to children, pregnant 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.



For additional info on these programs, visit the Indiana Department of Insurance websites at: in.gov/idoi



High Risk Health Insurance



* Comprehensive Health care insurance Pool (CHIP), that is available to people with pre-existing medical conditions making them ineligible for private medical health insurance.



For more information on this program, visit the Indiana Department of Insurance website at: in.gov/idoi



Private Health Insurance



There are two basic kinds of private health insurance plans obtainable in Indiana. They are:



* Indemnity plans, also referred to as fee-for-service plans, which are the priciest plans. These plans provide medical care in exchange for a premium and a deductible (usually $500 to $2,000). Using these plans you may use the physician and hospital of your liking.



* Managed Health care insurance options (HMOs, PPOs, POSs), which are the least expensive plans. Diets provide health care in exchange for a premium and a co-payment (usually $5 to $10 per doctor visit). Using these plans you must use a doctor or hospital within a network of medical professionals, or pay a different fee to use a non-network doctor or hospital.



Where you might get Low Cost Indiana Medical health insurance



Health insurance premiums may differ dramatically form one insurance provider to the next, so the very first thing you need to do to get low cost health insurance is to compare rates from different companies. The most effective way to do that is to visit an insurance comparison website.