Individual Solutions

Individual Solutions

Looking for affordable health insurance options?

We've got you covered.

IU Health Navigators can provide you with information and application assistance on various health insurance programs. You or your family may be eligible for:

  • Medicaid program for the Aged, Blind and Disabled
  • Hoosier Healthwise for children under age 19, pregnant women and low income families
  • The Healthy Indiana Plan for low income adults 19-64 years old

To learn more about these programs and see if you qualify, please contact IU Health Individual Solutions to request an enrollment appointment with an IU Health Navigator.

Phone: 888.531.3004

Email: IndividualSolutions@iuhealth.org


Request an enrollment appointment with an
IU Health Certified Indiana Navigator

A certified Indiana Navigator will contact you to schedule an appointment.

Key Dates

Marketplace Open enrollment period for 2016 will begin on November 1, 2015 and end on January 31, 2016

Locations

Bloomington

413 Landmark Avenue
Bloomington, IN 47403
M-F 8 am - 4:30 pm (or by appointment)
Get Directions
800.313.1328

Bedford

2900 West 16th Street
Bedford, IN 47421
M-F 8 am - 4:30 pm
Get Directions
800.313.1328

Martinsville

2209 John Wooden Drive
Martinsville, IN 46151
M-F 7:30 am - 4 pm
Get Directions
800.313.1328

Paoli

642 West Hospital Road
Paoli, IN 47454
M-F 8 am - 4:30 pm
Get Directions
800.313.1328

Indianapolis

IU Health Methodist Hospital
1701 N. Senate Blvd
Indianapolis, IN 46202
M-F 8 am - 4:30 pm (by appointment)
317.963.1295

IU Health University Hospital
550 N. University Blvd
Indianapolis, IN 46202
M-F 8 am - 4:30 pm (by appointment)
317.948.2618

IU Health Revenue Cycle Services
250 N. Shadeland Ave.
Indianapolis, IN 46219
M-F 8 am - 4:30 pm (by appointment)
317.963.3212 Erica Michael

317.962.0561 Kendra Gibbs

Avon

IU Health West Hospital
1111 N. Ronald Reagan Pkwy.
Avon, IN 46213
M-F 8 am - 4:30 pm (by appointment)
317.217.3144

Carmel

IU Health North Hospital
11700 N. Meridian Street
Carmel, IN 46032
M-F 8 am - 4:30 pm (by appointment)
317.678.1303

Fishers

IU Health Saxony Hospital
13000 E. 136th St.
Fishers, IN 46037
M-F 8 am - 4:30 pm (by appointment)
317.678.1303

Muncie

IU Health Revenue Cycle Services
1200 W. White River Blvd.
Muncie, IN 47303
M-F 8 am - 4:30 pm (by appointment)
765.254.4035

Health Insurance Marketplace FAQ



Health Insurance Marketplace FAQ


  • What is the Health Insurance Marketplace?

    The Affordable Care Act created the Health Insurance Marketplace, also known as the Exchange. The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins November 1, 2015 for coverage starting as early as January 1, 2016.

  • What kind of insurance can I buy on the Marketplace?

    There will be nine Marketplace plans offered in Indiana depending on where you live, however Indiana University Health services will only be covered by certain Marketplace products

  • Who is “In-Network” versus “Out-of-Network”?

    In most cases, “in-network” insurance products will cover medically necessary services at Indiana University Health. If an insurance product is considered “out-of-network” your services will likely not be covered at Indiana University Health. Individuals with an “out-of-network” product will either be asked to pay for their services in full ahead, or will be referred back to their insurance provider for additional coverage options.

    The below highlights which providers will offer plans which consider IU Health to be in-network:

    In-Network

    Out-Of-Network

    CareSource Just4Me 
    All IU Health facilities and physicians

     
    IU Health Plans Marketplace
    All IU Health facilities and physicians
     
    MDwise Marketplace
    All IU Health facilities and physicians
     
    UnitedHealthcare IN Health Marketplace
    All IU Health facilities and physicians
     
    Assurant Health via Sagamore and Aetna Signature Administrators
    All IU Health facilities and physicians
     
    Anthem Direct Access PPO
    In-network for certain group plans
    Anthem Direct Access Pathway HMO/POS
    No coverage for certain group plans & all individual plans
    PHP Select via Encircle
    IU Health facilities/physicians currently covered under Encircle
    MHS / Ambetter from MHS
    No coverage at IU Health
    SIHO
    Services at IU Health Methodist, University, Riley and Saxony; includes IU Health and IU Health Physicians specialty care and primary care physicians
    SIHO
    Referral coverage only at IU Health Methodist, University, Riley and Saxony and Indianapolis-based specialty and primary care physicians
    NOTE: Coverage options may vary at Indiana University Health’s Goshen and La Porte Hospitals. NOTE: Coverage options may vary at Indiana University Health’s Goshen and La Porte Hospitals.

  • Where can I get more information or enroll?

    Get one-on-one assistance with a certified Indiana navigator to help you:

    • find out what financial help you may qualify for
    • find out what plan is best for you
    • fill out your actual health insurance application

    To learn more about available plans and for application assistance, request an enrollment appointment with an IU Health Marketplace Navigator at www.iuhealth.org/individual-solutions:

    Additional information is also available from the Health Insurance Marketplace at the following:

  • When can I enroll?

    There are four key dates you'll want to mark on your calendar:

    • November 1, 2015: Marketplace open enrollment begins
    • December 15, 2015: Last day to make first premium payment for coverage to begin on January 1, 2016
    • January 1, 2016: Health coverage can start
    • January 31, 2016: Open enrollment ends

  • ​When will my coverage begin?

    ​When will my coverage begin?

    The following chart shows when your coverage will begin based on when you sign up:

    If you sign up for a Marketplace product and pay your premium by:  Coverage Takes effect:
    On or before December 15, 2015 January 1, 2016
    Between the 1st and the 15th of January-February The first day of the following month
    After the 15th and the last day of December –February The first day of the second following month

  • Will I be able to afford it? Is there any financial assistance available?

    Marketplace Insurance Affordability Programs can help to lower the amount some eligible consumers pay for premiums and/or co-payments/coinsurance. Premium Tax Credits (PTC) and Cost-Sharing Reductions (CSR) are the two Insurance Affordability programs. Affordability is achieved through advanced tax credits and reduced cost sharing.

    A federal tax credit is available to help people purchase health insurance on the Marketplace. These “premium tax credits” are available immediately upon enrollment in an insurance plan so that families can receive help when they need it rather than having to wait until they file taxes. Payments of the premium tax credits can go directly to insurers to pay a share of the monthly health insurance premiums charged to individuals and families.

    Some people receiving premium tax credits to help pay their premiums may also be eligible to receive costsharing reductions to help them pay their cost-sharing charges. These subsidies reduce the deductibles, copayments, and other out-of-pocket charg

  • Do I have to use the Marketplace exchange to buy private health insurance?

    No. Plans sold outside of the Marketplace exchange will need to meet the same new rules on minimum levels of benefits, and meet limits on how much more insurers can charge older customers. Insurance plans sold both on and off the exchange also can’t discriminate against those with existing health problems and can’t charge women more than men. Plans purchased outside of the Marketplace exchange are not be eligible for the subsidy available for those that purchase Marketplace products.