Indiana Health Insurance

Indiana University Health was proactive when the IU Health system mandated the removal of all sugary drinks from two of its local hospitals, but sugar isn’t the only health ailment that plagues Indiana residents. This is why finding a quality and affordable health insurance plan is so crucial. That said, below is a list of facts, statistics, and resources that can help remove some of the stresses of finding a health insurance policy that meets your needs.

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Stats in Your State

While health care reform is definitely on the government's top priority list, it’s too early to determine how the nation will be affected as a whole. So for now, Indiana residents can focus on what role health care insurance policies play in their state specifically.

Chip Medicaid

Indiana had 811,544 children enrolled in Children’s Health Insurance Program (CHIP) and Medicaid programs in 2010, the most recent figures available. The number of children enrolled in CHIP and Medicaid programs only grew about 1% from from 2009 to 2010--a small percent change compared to other midwestern states.

Individual Health Insurance Premiums

The average cost of health care insurance premiums for single Indiana workers is less than the national average and neighboring states.

Family Health Insurance Premiums

Similar to the cost of insurance plans for singles, the average cost of premiums for workers on a family plan was on par with the national state average of $3,962 in 2011, the most recent figures available.

SAHIE Health Insurance Uninsured

More than 900,000 Indiana residents went without health insurance in 2010; that’s about 22.2 % of the surveyed population according to the most recent data from the U.S. Census Bureau. Indiana has a significantly higher amount of uninsured residents than other midwestern states. The number of uninsured in Indiana grows each year.

Rules in Your State

Like most states, Indiana residents are mostly covered by private insurance agencies; but state insurance providers do cover some residents, particularly the elderly. Keeping up with rules and regulations for both health insurance providers and for those insured can be difficult however. To help you learn what individual insurance providers can and cannot do, check out some of the rules in Indiana:

Source: Indiana Department of Insurance

  • Health insurers are not mandated to provide standardized health plans, but they are required to cover some specific tests such as mammography and diabetes screenings.
  • Health insurers can deny treatment for pre-existing conditions for up to 12 months.
  • In Indiana, private health insurance providers can set their premiums at whatever rate of their choosing.
  • Insurance providers can also legally increase premiums at renewal time.
  • Insurance providers cannot cancel insurance policies if a customer gets sick.

Alcohol and Your Health Insurance in Indiana

For years there has been controversy surrounding the claims and treatment of insurers suffering from alcohol-related illnesses. To see where Indiana stands on the issue, read below:

Losses Due to Intoxication:

In the state of Indiana, denial of benefits due to Intoxication-related health issues and illness is prohibited.

Health Insurance Parity for Alcohol-Related Treatment:

There is no health insurance parity for alcohol-related treatment in the state of Indiana.

Representatives & Resources in Your State

Although The Simple Dollar strives to offer as much comprehensive information as possible, we can not cover everything. Therefore, if you have questions about your particular situation in Indiana, need some support to verify your case, or you’re just interested in learning more about health insurance rules and regulations, you can refer to the following resources:

Indiana Department of Insurance & Complaints
311 West Washington Street, Suite 300,
Indianapolis, IN, 46204
(317) 232-2385
Get Directions

Indiana State Department of Health
2 North Meridian Street
Indianapolis, IN 46204
(317) 233-1325
Get Directions

Family and Social Services Administration
311 West Washington Street, Suite 300,
Indianapolis, IN, 46204
(317) 233-4454
Get Directions

Insurance Journal
This Journal publishes articles about health insurance all over the nation, and there is a particular section dedicated to the midwest. That said, the Insurance Journal can help keep you informed about health care and insurance policies in Indiana.