Seniors in Indiana have a fantastic resource available to them that involves health care insurance. As a person matures they are often faced with a limited budget because of retirement as well as more health problems that are directly associated with their age. For these individuals they can turn to Indiana's SHIP program which is part of the national State Health Insurance Assistance Program.
For others, finding health insurance typically means doing some comparison shopping between the various private companies that offer this type of coverage. If you already have a life insurance policy in place, it's often a good idea to ask your agent about the possibility of purchasing a health insurance plan. Many insurance companies offer a discounted rate for clients who want more than one type of coverage.
When you do contact other agents ensure that the coverage you inquire about is similar with each company. In most cases, each insurance company presents their product a bit differently. One may offer extensive prescription coverage with limited hospital stay, while another offers full coverage for everything. It's important to inquire about policies that offer the same levels and types of coverage so you have a good base to work with when you are comparing the costs.
If your employer does not offer group coverage, it's still worthwhile to ask about an allowance for health care. Many companies recognize the need for their employees to stay healthy and they will offer a monthly or annual allowance that can be directed towards health insurance costs. In some cases the employee is restricted to a certain company in order to take full advantage of the allowance, but this may be well worth it. A good rule of thumb in this case is to inquire about the cost of the insurance with a private company and then get a quote that includes the allowance from the company chosen by the employer.