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In today’s more complex insurance environment, health insurance can be confusing, complicated, and difficult to understand. The Department has staff that can answer questions, explain how to navigate the use of health insurance, and assist Hoosiers in understanding their coverage.
Health insurance can be purchased on either an individual or group basis and the terms and requirements are very different for each one. Many of the ‘mandates’ for coverage issued by the state legislature will not always apply the same to group and individual policies.
When purchasing individual insurance it is important that you secure help from a professional agent or broker, or someone else acquainted with health insurance. You should ask for multiple company quotations and prices for comparison. You should also check the financial condition of the insurance company you ultimately select.
If you have been denied coverage through an individual health insurance company, the Indiana Comprehensive Health Insurance Association may be an option for you. Information about this program can be found at the following link:
The Healthy Indiana Plan is for unisnured Hoosier adults between the ages of 19-64. For more information, visit the Healthy Indiana Plan's web site at the following link:
Grievance Reports are record of consumer complaints to illustrate insurance companies’ and HMOs’ past performance. It breaks down by category how many grievances (complaints) an insurer or HMO has received and how it resolved them.
Due to the reduction in the number of Health Maintenance Organizations in the state of Indiana, the HMO Report Card information containing HEDIS data, Credentialed Providers and Grievance Procedure information is available from the Indiana Department of Insurance upon request.