How to find the right health insurance in Indiana
Options For Health Insurance In Indiana Can Be Confusing. Learn How To Find The Right Coverage
There are many options for health insurance in Indiana. From employer sponsored plans, to independent health insurance agencies; the options can be overwhelming and confusing to say the least. In this tough economy, many people are finding themselves unemployed for the first time with no clue how to obtain health insurance coverage on their own.
Helpful Information About Your Rights
If you were laid off and your employer has more than 20 full time employees, then you may qualify for cobra health insurance in Indiana. Your employer is required to notify if you qualify for cobra benefits. Your health plan administrator will give you a notice stating your right to choose to continue receiving health insurance benefits provided by your plan. You have 60 days to decline or accept the cobra health insurance in Indiana. Keep in mind that many times cobra requires you to pay the full cost of the health insurance plan.
What About Employers With Less Than 20 Full Time Employees?
If your employer has less than 20 full time employees, then cobra does not apply to you. If this is the case, you still have options to obtain health insurance in Indiana.
Option 1: Temporary Health Insurance
Temporary health insurance is a low cost health insurance plan that allows you to receive 1 – 6 months of health insurance benefits at a very affordable price. This is best for individuals who are seeking employment after a layoff or waiting for future insurance benefits to become active. Unfortunately, temporary health insurance is not available for those with preexisting conditions or pregnant women. If you have preexisting conditions such as high blood pressure or if you are pregnant, then temporary insurance is not an option to obtain health insurance in Indiana.
Option 2: Private Health Insurance
If your previous employer has less than 20 full time employees and you have preexisting conditions or are pregnant, then your only option to obtain health insurance in Indiana is from a private insurer. An independent health insurance agency can offer plans to you from multiple insurance carriers. They are also knowledgeable regarding state laws governing health insurance in Indiana. Most times only basic information needs to be provided to the agency to receive a customized health insurance quote and a decision can usually be obtained on the same day.
In today’s economy, it is more important than ever to become familiar with your options for health insurance in Indiana. Many people wait until they are laid off or fired to seek advice. If you have questions about health insurance in Indiana or would like to receive a quote, please contact us today.
Healthquotesmatch.com is an independent health insurance agency providing health insurance options to Indiana, Kentucky, and Florida residents.