Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable Indiana health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding Indiana health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in Indiana with the health of residents who live in other states.

This article will provide you with all the information needed about Indiana health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

Indiana Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in Indiana is greatly influenced by your current and past health status and history. Indiana health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. Indiana health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. Indiana health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.

Indiana Group Health Insurance
For Indiana health insurance for a group or company, the state of Indiana requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Indiana health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Indiana health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Indiana health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.

Indiana COBRA Insurance
Indiana health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Indiana health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Indiana health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Indiana health insurance can be obtained through the Indiana Comprehensive Health Insurance Association (ACHIA).

Indiana Health Information and Statistics
If you are in the market for quality Indiana health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Indiana ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Indiana are a low rate of infectious disease, low geographic disparity within the state, and a low rate of uninsured population. Indiana also faces many challenges, such as low per capita public health funding, high levels of air pollution, and a high prevalence of smoking.

According to a 2008 study, Indiana had some significant changes over the past year. These include the percentage of children in poverty increasing by 32% but the rate of uninsured population declining by 9%. Over the past five years, the percentage of children in poverty increased by 66%. However, the incidence of infectious disease decreased by 50%.

Following is a variety of statistical data related to living in Indiana, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Indiana health insurance.

  • Prevalence of Smoking-45th
  • Prevalence of Obesity-30th
  • Violent Crime-24th
  • Children in Poverty-34th
  • Air Pollution-45th
  • Cancer Deaths-40th
  • Lack of Health Insurance-16th
  • Prevalence of Binge Drinking-26th
  • Infant Mortality-37th
  • Infectious Disease-14th
  • Premature Death-35th

Overall Rank: 34
Change: -2