Indiana Health Insurance Coverage...
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If you are searching for ways to lower your health insurance costs and you live in the State of Indiana...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.
  What are the protections afforded you under federal and Indiana state laws for puchasing health care insurance coverage?

• A Quick Summary of Your Protections.
     Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another. A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans. In addition, states can pass different reforms for the health plans they regulate (fully insured group health plans and individual health plans), so your protections may vary if you leave Indiana. Neither federal nor state laws protect your access to health insurance in all circumstances.
• The Principle of Nondiscrimination.
     Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more, because of your health status.
• All group health plans in Indiana must limit exclusion of pre-existing conditions.
     There are rules about what counts as a pre-existing condition and how long you must wait before a new group health plan will begin to pay for care for that condition. Generally, if you join a new group health plan, your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.
• Your health insurance cannot be canceled because you get sick. Most health insurance is guaranteed renewable.
• If you leave your job, you may be able to remain in your old group health plan for a certain length of time.
     This is called COBRA continuation coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage. If you lose your group health insurance and meet other qualifications, you will be federally eligible. If so, you can buy an individual health plan from the Indiana Comprehensive Health Insurance Association (ICHIA). You will not have a pre-existing condition exclusion period.
• You may also be able to buy insurance from ICHIA if you have had difficulty obtaining affordable health insurance from private companies because of your health condition.
     In this case you may face a new pre-existing condition exclusion period. There are limits on what you can be charged for an ICHIA policy.
• If you lose coverage under a fully insured small group health plan in Indiana, you can buy a conversion policy.
     IYou will not face a new preexisting condition exclusion period. There are limits on what you can be charged for a conversion policy.
• All health plans for small employers must be sold on a guaranteed issue basis.
     If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group.
• If you are a small employer buying a group health plan, there are limits on what you can be charged due to the health status, age, gender, or occupation of those in your group.
• If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family.
     The Indiana Medicaid program offers free or reduced price health coverage for certain families, children, pregnant women, elderly, and disabled individuals.

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