Options for Avon & Westside Indy Health Insurance

The following is a list of  some common health insurance types in the Avon, Indiana area.  As well as common benefits and parts that make up typical healthcare plans.  Some of the plan types also have links to more extensive information on my sister website.

ACA plans

Since the Affordable Care Act (ACA) was introduced in 2010, it has regulated the plans offered by providers.  Including Hendricks county and Avon Indiana health insurance providers. Plans that are regulated by the ACA are known as ACA plans. These plans are required to cover preventative annual checks at no cost. There are also no lifetime caps with ACA plans. It is also noteworthy that these plans can be used by dependents of up to 26 years of age.  Up to the age of 26, young people can be covered by their parents’ plans. It is also noteworthy that subsidies apply to these plans. Based on your family’s adjusted gross income, you could qualify for assistance in paying for ACA plans.

Short-term health insurance plans

Hendricks county and Avon Indiana health insurance providers also offer short-term health insurance plans. As local health insurance agents, we will help you understand how these plans work.  I will also help you find the plan that is most suitable for you. You should know that these plans are suitable for short-term use, just as the name suggests. Short-term plans also have limited coverage. The idea behind these plans is to get minimal coverage at very cost-effective prices. Thus, they do not cover pre-existing conditions, a feature that especially distinguishes them from ACA plans. Because they do not cover pre-existing conditions, these plans are not suitable for persons that are not very fit or healthy. However, they are great for when you want a very basic plan until you can get more permanent and extensive coverage.

Indemnity plans

These are plans that are known for the limited coverage they offer. They work quite differently from ACA plans. The basic terms and conditions of indemnity plans state that the insured does not get the full cost of the procedure or medical expensed. The amount of coverage for each procedure or expense is predetermined. Because they are limited and not regarded as full coverage plans, they are not suitable as main insurance plans, although they are often sold as such. Indemnity plans should not replace full coverage plans. These plans can only complement full coverage. You should also note that these plans tend to have complex paperwork, even with the limited coverage they offer.

Value-added benefits

These are products and services that are attached to a health insurance product. When you buy individual or group health insurance plans, other services may be attached. Hendricks county and Avon Indiana health insurance providers can attach lifestyle products and services to insurance plans. Thus, you can get discounts on a gym membership as a value-added benefit. Telemedicine is another form of benefit that can be offered. Telemedicine allows access to healthcare services through voice or video calls and can improve access to healthcare services. If you do not get telemedicine as a value-added benefit, you can get it from organizations and associations dedicated to the service such as Medcard. With Medcard, your entire family can get telemedicine services by paying $10 to $12 a month.

Professional network coverage

As local health insurance agents, we consider professional network coverage one of the factors that must be considered before choosing a plan. This is because Hendricks county and Avon Indiana health insurance providers could decide to provide to limit access to service to a network. Also, some plans allow the insured to seek healthcare services outside the network but at a higher cost. 

Maternity benefits

Maternity and pregnancy services should be considered an essential service, especially with the increasing costs. Access to maternity and pregnancy services should be one of the top factors that some new families should consider when shopping for health insurance. This should be in line with claims and waiting period consideration. Individual health insurance agents understand that maternity and pregnancy services are mostly available on group, Medicaid, and ACA plans.

I am very much willing to help your search for suitable health insurance plans, in line with your goals in terms of budget and needs. You can reach out to discuss your needs at 317-296-8881.