Health Insurance Carriers in Indiana (IN)
To help you navigate the health insurance field, we have provided for you a brief summation of plans and providers in Indiana. We have also included a list of recommended links for further assistance.
Health Insurance Providers in Indiana
Anthem Blue Cross and Blue Shield of Indiana
Assurant Health (Formerly Fortis)
Bankers Life
Celtic
Clarendon Life
Fairmont Specialty Group / TIG
Golden Rule
Midwest Security
Security Life
UNICARE
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Individual Health Insurance in Indiana (including Self-Employed)
- For individual health insurance, application for coverage may be denied because of a health problem.
- If there is a pre-existing condition, providers can require a waiting period for coverage of up to 12 months, but no elimination riders are allowed.
- In assessing pre-existing conditions, insurance providers may review medical history of the six months prior to coverage starting.
- If group coverage was maintained without a break of more than 30 days, credit can be applied toward an exclusion period.
- Coverage cannot be cancelled due to illness.
- There are no limits on the cost of an individual policy.
- If coverage with a small group health has been maintained continuously for 90 days, and the coverage is lost, an applicant qualifies for a conversion policy.
Self-Employed Health Insurance in Indiana
- The self-employed may not buy group health insurance.
- Contact the Indiana Department of Insurance for regulations that apply to membership in professional associations offering group coverage.
Group Health Insurance in Indiana
- Group health coverage cannot be denied qualified individuals due to a health concern and they cannot be charged more, either.
- Due to life changes relating to family and job loss, special enrollment opportunities may be available.
- Employers can wait to offer coverage.
- The review period for pre-existing conditions is six months and the maximum exclusion period is 12 months.
- If continuous coverage is maintained with no break of more than 63 days, creditable coverage may be available.
- Some Indiana government employees have protections within group coverage. Contact employer for possible inclusion.
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Small Business Health Insurance in Indiana
- Small businesses with up to 50 employees cannot be denied group coverage.
- Limited increases may be applied to premiums due to certain characteristics of the employee group
- Coverage will not be cancelled due to health issues.
Indiana Health Care Programs
Indiana Department of Insurance
311 West Washington Street, Suite 300
Indianapolis, IN 46204
(317) 232-2385
www.ai.org/idoi/index.html
- The Indiana Department of Insurance offers a helpful guide for residents seeking health insurance.
- The Indiana Comprehensive Health Insurance Association is for those who cannot afford health coverage.
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