Indiana Health Insurance
Get a Quote »We offer affordable Indiana health insurance coverage direct to you. Individual, family and small group medical insurance quotes are available from several reputable and well rated carriers.
Our providers include Anthem Blue Cross Blue Shield, Aetna, Assurant, Golden Rule, and United Health Care. We serve the entire state of IN – including Indianapolis, Bloomington, Ft. Wayne, Terre Haute, Richmond and all places in between.
Purchase Indiana Health Insurance Direct And Online
There is no savings by going direct to the chosen carrier. Policy premiums are controlled by law and will be the same regardless of their origination whether it’s online, through an agent, or by any other means.
Thus, it is helpful to speak to an independent agent as he can discuss plans from several competing carriers as oppose to just one. All policies are not created equal and will offer stronger benefits in certain areas.
An agency like ours can help you review several coverage options and provide direct enrollment assistance. We also offer direct links for those who want to quote online and enroll directly on their own.
Choosing Affordable Medical Insurance Coverage
All insurance companies provide high deductible, catastrophic coverage for those who desire lower monthly premiums. High deductible plans will keep premiums low for the consumer while providing peace of mind in the event of a major claim.
As an added benefit, all of our Indiana carriers provide preventive care that is not subject to the deductible. This way, you can have a yearly checkup, wellness visit, or annual OBGYN appointment with no out of pocket expenses.
We also offer low deductible, comprehensive coverage with immediate doctors office copay and prescription benefits. Coverage begins sooner with these benefit rich plans, but the monthly premiums will be higher.
Short Term Health Insurance In Indiana
If you are between jobs or need to satisfy a short waiting period before employer benefits begin, then short term health insurance coverage might be best for you. Anthem Blue Cross and Blue Shield, Assurant, and United Healthcare – Golden Rule all offer policies with durations as short as one month.
These plans may not be ideal if you are unsure when you will next have group insurance coverage however. Should your overall health change while on a short term plan, you might not be able to renew it or qualify for permanent coverage later on. In most cases, simply paying for permanent coverage month to month is the prudent thing to do unless you are sure of your future coverage
Indiana Business And Small Group Coverage
We offer group health insurance policies from several well known national carriers with large nationwide networks. If your employees are only in IN or reside in several states, we can recommend a plan that is suitable for your business.
Additionally, we provide ancillary benefits such as life, disability, dental and vision on either a company sponsored or voluntary basis. In order to provide you with accurate illustrations, we will need a company census. You can request group quotes here.
Health Savings Account Qualified Insurance (HSA Plans)
Health savings accounts coupled with high deductible health insurance are fast becoming a popular alternative to traditional plans. Funds deposited in HSAs are tax deductible, grow tax deferred, and can be withdrawn tax free for qualified medical expenses. Deductibles, coinsurance amounts, co-payments, prescriptions, dental work and vision costs are just a few examples.
The accumulated funds in a health savings account always belong to the insured, not the insurance company. You can setup your account with the carrier’s preferred bank or one of your choosing.
If you prefer more aggressive strategies, some investment companies offer mutual funds as an options. Should you ever cancel your coverage, then the balance of the account will be returned. However, the unused funds may lose their tax favored status.
Contact us to view your quotes today!
