As health care costs soar all across the nation, employees appreciate the opportunity to obtain IN family health insurance through their employers more than ever. If you decide to offer your employees family health insurance in Indiana, you should research Indiana family health insurance providers to ensure that you select a plan that maximizes benefits to your employees and minimizes costs to you. The term family health insurance in Indiana applies to two distinct types of coverage or health plans, "fee-for-service" and "managed care".
Fee-for-service is a type of IN family health insurance coverage under which a medical provider - such as a doctor - is paid a fee for each service rendered to the employee or a family member covered under your policy. With fee-for-service insurance, patients go to doctors of their choice and submit a claim to the insurance company for reimbursement for covered medical expenses.
Another option for family health insurance coverage in Indiana is managed care. Managed care plans provide complete health services to covered individuals and offer financial incentives to use providers who belong to the plan. Instead of paying for each service separately, all coverage is essentially prepaid.
When comparing coverage options, consider whether the following services are covered:
1. Inpatient hospital services
2. Outpatient surgery
3. Physician visits - hospital and office
4. Medical tests/X-rays
5. Prescription drugs
6. Mental health care
7. Home health care
8. Physical Therapy
9. Maternity care
10. Dental care
Action Steps
The best contacts and resources to help you get it done
Gather information about Indiana family health insurance plans
Choosing a health plan is a big decision that requires research. Fee-for-service and managed care plans differ in many respects, but are similar in others. Both cover an array of medical, surgical, pharmaceutical, and hospital expenses. But many important differences that will make one or the other form of coverage the right one for you also exist, especially when it comes to billing and payment practices.
I recommend: The
Indiana Department of Insurance is a great resource for helping you understand the differences among the various family health insurance plans in Indiana.
The National Center for Quality Assurance also provides valuable information specifically for business owners who are interested in buying a health plan.
Select the family health insurance plan in Indiana that is right for you
After completing your due diligence and deciding whether a fee-for-service or managed care plan is best for your business, you should then compare the IN family health insurance plans within your chosen category. Compare costs, covered services, limitations on benefits, and payment or reimbursement policies.
I recommend: GoHealth assists you with comparing rates and benefits side-by-side to make sure you are getting the right plan for your needs. You should also check out the websites of the individual Indiana family health insurance companies, such as
Humana and
Anthem.
Buy family health insurance in Indiana
Once you have decided which type of IN family health insurance to buy and picked a plan provider, you are ready to seal the deal by actually purchasing your coverage. Some insurance companies now allow you to complete the transaction online and download all of your plan documents.
I recommend: The tried and true methods of walking into a
local office or
calling the company directly remain as options too. I am usually a technology advocate, but I would recommend some human contact before making this major decision.
Tips & Tactics
Helpful advice for making the most of this Guide
- Inquire about medical service limits, exclusions, and any pre-existing condition limitations on your IN family health insurance plan that could adversely affect your employees.
- Find out what types of utilization review, preauthorization services, or certification procedures are included in the IN family health insurance plans that you are considering.
- Check with the Indiana family health insurance providers that you are assessing to see if any of them offer discounts for good health or healthy behaviors.
The official source of Family Health Insurance in Indiana is
the Family Health Insurance in Indiana page at Business.com
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