Hoosier Healthwise is a health care program for children up to age 19 and pregnant women. The program covers medical care like doctor visits, prescription medicine, mental health care, dental care, hospitalizations, and surgeries at little or no cost to the member or the member's family.
The Children's Health Insurance Program (CHIP) falls under the Hoosier Healthwise program. CHIP is for children up to age 19 whose families have slightly higher incomes. In CHIP, members are required to pay a low monthly premium for coverage as well as copays for certain services.
There are two benefit packages within Hoosier Healthwise:
- Package A- This is a full-service plan for children and pregnant women. Members do not have any cost sharing obligations.
- Package C - This is a full-service plan for children enrolled in CHIP. There is a small monthly premium payment and co-pay for some services based on family income.
Healthy Indiana Plan
The Healthy Indiana Plan is a health-insurance program for qualified adults. The plan is offered by the State of Indiana. It pays for medical costs for members and could even provide vision and dental coverage. It also rewards members for taking better care of their health. The plan covers Hoosiers ages 19 to 64 who meet specific income levels and not disabled.
- Individuals with annual incomes up to $17,443 may qualify.
- Couples with annual incomes up to $23,615 may qualify.
- A family of four with an annual income of $35,960 may qualify.
The initial plan selection for all members is HIP Plus which offers the best value for members. HIP Plus has comprehensive benefits including vision, dental and chiropractic. The member pays an affordable monthly POWER account contribution based on income. There is no copayment required for receiving services with one exception: using the emergency room where there is no true emergency.
HIP Basic is the fall back option for members with household income less than or equal to 100% of the federal poverty level who don't make their POWER account contributions. The benefits are reduced. The essential health benefits are covered but not vision or dental services. The member is also required to make a copayment each time he or she receives a health care service, such as going to the doctor, filling a prescription or staying in the hospital. These payments may range from $4 to $8 per doctor visit or prescription filled and may be as high as $75 per hospital stay. HIP Basic can be much more expensive than HIP Plus.
HIP Maternity will cover enhanced benefits during your pregnancy, this includes vision dental and chiropractic services, non-emergency transportation, and enhanced smoking cessation services for pregnant women. Members can earn rollover credit while enrolled in HIP Maternity, so receipt of preventive services including prenatal visits can reduce the future cost of enrollment in HIP Plus.
Affordable Care Act (The Marketplace)
Individuals are able to sign up for health coverage through the Marketplace implemented with the Affordable Care Act. Individuals may be eligible for tax credits and cost sharing reductions to decrease out-of-pocket costs based on income. Open enrollment will begin Nov. 1, 2017 and end Jan. 31, 2018. For more information, contact Covering Kids & Families of Central Indiana at 317-221-2464 or 317-221-2041.
Contact 317-221-2041 for eligibility requirements.
If you need assistance, call 317-221-2464.