Indiana: Health Plans and Insurance Alternatives

Indiana residents in need of temporary health insurance may now purchase quality short term health coverage offered by Pivot Health.

Pivot Health’s short term medical plan provides comprehensive benefits coverage for doctor visits, in-hospital care, urgent care facility visits and much more. Other key features for Indiana residents include:

Comprehensive coverage at an affordable price
Pivot Health’s short term health insurance provides many of the same benefits as individual major medical plans, at rates up to 50 percent less.
Flexible duration of coverage
choose the period of time that you will need coverage.
Freedom to seek treatment from the health care providers you want
no network restrictions means you may choose any doctor or hospital to access your plan benefits.
Quick, easy application process
Pivot Health has a user-friendly online application process. You’ll know within minutes of applying if you have been approved for coverage.
Coverage when you want it
qualified applicants can select their coverage start date, even as quickly as 24 hours from the time of application.

With Pivot Health’s short term medical plan, you also receive several non-insurance benefits, including:

Unlimited access to discounted telehealth doctor consultations.
Make the most of your precious time and skip the waiting room. Talk directly with a doctor whenever and wherever it works for you – telehealth consultations are available 24/7. Priced at just $49 per consultation, you may save money compared to a standard office or urgent care facility visit.
Savings on eyewear and eye care.
With discounts of 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses, it’s easy and affordable to maintain good eye health.
Significant discounts on prescription drugs.
You can save up to 75 percent on prescription drugs at thousands of pharmacies across the country, making it easier to pay for prescription medication purchases.

Indiana Health Insurance Exchange Challenges

A recent County Health Rankings report shows that approximately 16 percent of Indiana residents under age 65 have no health insurance, which is much higher than the average national uninsured rate of 9.1 percent. The report shows a broad range of uninsured rates by county: Hamilton County reports a 10 percent uninsured rate, while LaGrange County’s rate is more than double that at 26 percent.

Indiana has a federally-facilitated health insurance exchange, which is facing several challenges. At the end of 2016, half of the exchange insurers withdrew from the market, forcing thousands of insureds to switch plans. In addition, for 2017, exchange plans in Indiana are experiencing an average premium increase of 18.5 percent. The price adjustment by carrier ranged from a decrease of 5.3 percent by Celtic Insurance Company, to an increase of 29 percent by Anthem Blue Cross Blue Shield. This means that exchange enrollees who don’t qualify for premium subsidies or insureds who purchase coverage off the exchange might be paying much higher costs for their health insurance.

Further challenges relate to plan provider choices. In a move to help control costs, insurers in Indiana have withdrawn all PPO options from the individual market. All carriers – except for Celtic’s exchange Exclusive Provider Organization (EPO) plan and Anthem’s Point of Service (POS) plan – will offer only Health Maintenance Organization (HMO) plans. EPO and HMO systems significantly narrow provider networks, which may result in insureds having fewer choices in health care providers and even prescription drugs. Treatment from providers who don’t participate in these arrangements generally are not covered by the plans, which can be a true hardship for insureds who are sicker or require treatments from specialists not covered under the EPO or HMO.

Reduced insurer carrier options, limited plan design choices, and rising premium rates, all underscore the importance of offering Indiana residents access to a broader range of health insurance choices.

Pivot Health offers residents of the Hoosier State a short term health insurance option that may meet their needs and budgets. This type of plan provides comprehensive benefits coverage, with no network restrictions, at rates significantly lower than those of major medical insurance plans.

A Report on Indiana’s Well-Being

A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state. Indiana ranked 47th out of the 50 states, based on survey responses to questions covering different categories of well-being.

Indiana residents reported poor scores for the following categories (ranked 44th, 47th and 49th respectively) for:

having good health and enough energy to get things done on a daily basis
liking what you do each day and being motivated to achieve goals
having supportive relationships and love in your life

On the other hand, Indiana residents reported more positive results for the following categories, resulting in rankings of 30th and 38th, respectively:

managing your economic life to reduce stress and increase security
liking where you live, feeling safe and having pride in your community

The State of Health in Indiana

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Indiana an overall ranking of 44 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.

The Commonwealth Fund’s Scorecard rated Indiana in several areas, including:

  • Uninsured adults aged 19 to 64: 28th ranking (13 percent in Indiana, the same as the U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  36th ranking (7 percent, compared to the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  33rd ranking (14 percent in Indiana, compared to the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  27th ranking (15 percent, compared to the U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  39th ranking (17 percent in Indiana, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year: 20th ranking (15 percent, compared to U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  47th ranking (62 percent in Indiana, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  18th ranking (69 percent, compared to U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 29th ranking (21 in Indiana, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 42nd ranking (16.2 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  26th ranking (14.3 percent in Indiana, compared to U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations: 38th ranking (28 percent, compared to the U.S. average of 26 percent)
  • Adults who smoke:  40th ranking (21 percent in Indiana, compared to the U.S. average of 17 percent)
  • Adults who are obese: 37th ranking (32 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 27th ranking (31 percent in Indiana, the same as the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  42nd ranking (14 percent, compared to U.S. average of 10 percent)

Indiana received positive rankings in several health sectors, including:

  • Adults with a usual source of care
  • Children ages 19-35 months who received all recommended doses of seven key vaccines
  • Hospitalized patients given information about what to do during their recovery at home
  • A lower-than-national-average rate of hospital admissions for children with asthma

2017 Health Insurance Plans Available in Indiana

Indiana uses the federally-run health insurance exchange. There are four insurance carriers participating on the exchange in 2017. These carriers include:

  • Anthem Blue Cross Blue Shield
  • CareSource Indiana
  • Celtic
  • MDwise Marketplace, Inc.

Medicaid Enrollment in Indiana

Under the provisions of the Affordable Care Act, Indiana expanded its Medicaid coverage on February 1, 2015. The Healthy Indiana Plan (HIP) has been described as a “consumer-driven health plan” which encourages personal responsibility in maintaining good health. Key highlights of Indiana’s plan include:

  • Most participants pay monthly premiums by contributing to a Personal Wellness and Responsibility (POWER) health savings account
  • Those who pay premiums become eligible for HIP Plus, an expanded benefit package with co-payments only for non-emergency use of the emergency room; those who do not, receive HIP Basic, a more limited benefit package with state plan level co-payments
  • Some enrollees who fail to pay premiums after a 60-day grace period will be dis-enrolled from coverage and not permitted to re-enroll for six months

Some critics of the plan feel that requiring low-income residents to pay premiums is an obstacle to obtaining coverage. However, state advocates point out that more than 400,000 residents have enrolled in the plan – which is more than 70 percent of those who are eligible.

An Affordable Health Care Coverage Option: Short Term Medical

Indiana residents who do not have health insurance should take a closer look at Pivot Health’s short term health insurance. It provides you the comprehensive medical coverage to meet your benefit and budget needs.

Pivot Health: offering you choices and flexibility to meet your needs over time.

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