Have you been sitting on the sidelines of your employer’s health insurance plan because you feel you can’t afford to participate? The Healthy Indiana Plan’s new HIP Link premium-assistance option may be your ticket to finally getting health care coverage – and being able to get the care you need to live a healthier life.
Here is some basic information about the HIP Link program:
What is HIP Link?
HIP Link is an optional leg of the new Healthy Indiana Plan, or “HIP 2.0," that helps Hoosiers afford their employer-sponsored health insurance plans. It’s a premium assistance program designed to allow working Hoosiers who are eligible for Healthy Indiana Plan to instead enroll in their health plan at work.
How does HIP Link work?
Employers register their health plans to participate, then their employees who are eligible and want to participate in HIP Link sign up with the state. Once an employee is enrolled in the employer-sponsored health plan, the employer will deduct the cost of premiums charged from the employee’s pay, per normal procedures. In turn, the State will reimburse the employee directly for the amount of the deduction, minus a small contribution made by the employee.
Can I participate in HIP Link?
To participate in HIP Link, you must have access to and be eligible to participate in your employer’s HIP Link group health plan but your employer must also register the plan with the state. Ask your employer if it offers a HIP Link health plan. Many of the employers currently offering HIP Link are listed here.
To qualify for HIP Link, an employee needs to have a household income at or below approximately 138 percent of the federal poverty level ($16,590 per year for an individual and $33,934 for a family of four in 2016). There are other Healthy Indiana Plan eligibility requirements that will need to be met such as residency and U.S. citizenship.
How do I enroll?
To enroll in HIP Link, the employee must complete an application for HIP, found here. When filling out the application, select the “HIP Link” box. If the employee is not already enrolled in their employer’s HIP Link heath plan, the employee must enroll in the plan during open enrollment or special enrollment period depending on when eligibility is determined. This process is the same for Hoosiers who are already enrolled in the Healthy Indiana Plan and would like to transition to HIP Link. If an employee is already enrolled in the Healthy Indiana Plan, he or she can call 800-403-0864 and ask about reporting a change to transition to HIP Link.
How do I know if HIP Link is the best option for me?
You can call 1-877-GET-HIP-9 for information about the differences between HIP Link and other coverage options available through the Healthy Indiana Plan. Representatives at that number can also counsel you and help you decide what option is best for you and your family.
If you would like more information about the HIP Link program, please call 877-GET-HIP-9.