Indiana residents have several options available to them when considering individual or family health insurance plans. There are several carriers offering coverage including Aetna, Assurant, Anthem, American Community, Humana, and United Health Care. With so many choices and plan options, health insurance shoppers should consider using an experienced agency or broker to help narrow down their options.
You Might Need Help Finding a Plan
Often times it is helpful to speak to an independent agent when searching for a health insurance plan. You might have questions about maternity coverage, short term health insurance, dental insurance, preventive care benefits, office co-pay plans, student insurance, or prescription drug coverage. Health insurance policies come in all shapes and sizes and not all plans offer the same types of benefits to the insured.
Plans Available in Indiana
In most cases, consumers are simply in search of affordable coverage. All insurance companies will offer high deductible, catastrophic coverage for those operating on a tight budget. And many of these plans will offer benefits without the insured having to reach the deductible first.
Those who desire the peace of mind associates with low deductible, comprehensive coverage will also have several plans to choose from. Consumers who purchase these types of plans will have very little to pay out of pocket should they have a claim against their policy.
Additionally, all policies will have a large network or doctors and hospitals for the insured to choose from. Most carriers have networks that expand out of Indiana to include the entire United States. Consumers will always save by using the network affiliated doctors and hospitals associates with their insurance carrier.
Health Savings Accounts (HSA Plans)
Health savings accounts and high deductible health insurance plans are a popular alternative to traditional health coverage. Typically, HSA's are less expensive than traditional plans. Consumers who purchase this coverage will own a savings account they draw from for health related expenses. Funds deposited in a HSA are tax deductible, will grow tax deferred, and when withdrawn for a qualified medical expense are tax free. The accumulated funds always belong to the insured. Should the owner discontinue their insurance plan, they keep the funds in their HSA for themselves.