Individual Health Insurance
In Indiana, your ability to buy an individual health insurance policy from a private insurance company depends on your health status. In general, insurance companies in Indiana are free to turn you down because of your health status and other factors. When applying for an individual health policy, you will be asked questions regarding your health history. Depending on your health status, insurers might decline to sell you coverage or offer to sell you a policy with special limitations on what it covers. Every insurance company has their own set of underwriting guidelines. For certain medical conditions, a person may be declined by one company, offered a plan with limitations by another company, and offered a policy without limitations by a third company. If you would like to consult with one of our licensed agents to review the best insurance companies for your medical history, please contact us.
Living in Indiana has its own unique challenges when searching for health insurance. We understand there are seemingly infinite options available to you, and our online resources will help you save time and money in searching for the right health insurance policy. We are familiar with the underwriting guidelines and provider networks of each insurance company and can guide you through the process of finding a plan that best accomodates your lifestyle and budget.
Below is a list of our preferred companies offering individual health plans in Indiana:
Health Insurance Companies
Aetna no longer offers individual plans in Indiana as of 2010.
Assurant offers PPO plans that can be customized to meet your needs and budget. For individuals that need insurance for a limited period of time, Assurant offers the #1 short term medical plan of any company.
Anthem Blue Cross and Blue Shield of Indiana is the largest and most popular health insurance company in the state. They offer residents affordable and comprehensive health insurance options.
Humana is on the leading edge of changing how health insurance is done. These plans allow you to custom design the coverage you need from dental benefits to prescription drugs and life insurance plans. Humana's plans are also portable - which allows you to keep your coverage if you move to another state. And with one of the most extensive networks not only in Indiana but also nationwide - you are covered almost anywhere while traveling.
United HealthOne is the brand name of the UnitedHealthcare family of companies that offers personal health insurance products. Golden Rule Insurance Company, a UnitedHealthcare company, is the underwriter and administrator of these plans. With over 60 years of experience servicing individuals and families, Golden Rule provides high-quality products, timely claims handling, and outstanding customer service.
Unicare is a member of the WellPoint family serving over 55 million Americans. As of 2010, Unicare no longer offers individual health insurance in Indiana.
Guaranteed Issue Health Insurance
Homeland Health believes that everyone deserves the opportunity to acquire quality health insurance regardless of your medical condition. That's why Homeland Health Health Plans have assembled the most comprehensive Limited Medical Benefits in the country, fully insured by AM Best Companies and written on a guaranteed issue basis. If you are looking for health insurance that guarantees coverage regardless of your health history, Homeland Health is the insurance company for you.