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

You can enroll in or change 2018 Marketplace health insurance during open enrollment.

Important dates to note:

  • November 1, 2017: Open Enrollment begins— first day to enroll, re-enroll, or change a 2018 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2018.
  • December 15, 2017: Last day to enroll in or change plans for coverage to start January 1, 2018.
  • January 1, 2018: 2018 coverage starts for those who enroll or change plans by December 15.

Locations

IU Health Arnett Hospital

IU Health Ball Memorial Hospital

IU Health Bedford Hospital

IU Health Blackford Hospital

IU Health Bloomington Individual Solutions

IU Health Bloomington Hospital

IU Health Frankfort Hospital

IU Health Methodist Hospital

IU Health Morgan Hospital

IU Health North Hospital

IU Health Paoli Hospital

IU Health Central Pre-Services

IU Health Revenue Cycle Individual Solutions

IU Health Saxony Hospital

IU Health Tipton Hospital

IU Health University Hospital

IU Health West Hospital

IU Health White Memorial Hospital

Riley Hospital for Children at IU Health

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 tax credit that lowers your monthly premium right away. Open Enrollment for health insurance coverage through the Marketplace runs from November 1 through December 15, 2017. You must sign up by December 15, 2017 to have coverage on January 1, 2018.

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

    There will be two Marketplace plans offered in Indiana: CareSource Just4Me and MHS/Ambetter. Both plans will be accepted at IU Health facilities and physicians.

  • 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.

    In 2018, the two remaining Marketplace products are both in-network with IU Health.

    In-Network

     

    Out-Of-Network

     

    CareSource Just4Me

    All IU Health facilities and physicians

    Anthem, IU Health Plans, and MDwise will not offer Marketplace products in Indiana in 2018

    MHS/Ambetter from MHS

    All IU Health facilities and physicians*

    *Behavioral Health Services are out-of-network with IU Health -- out-of-network benefits may not apply.

     

  • 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 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, 2017: Marketplace open enrollment begins
    • December 15, 2017: Last day to make first premium payment for coverage to begin on January 1, 2018
    • December 15, 2017: Open enrollment ends
    • January 1, 2018: Health coverage can start

  • ​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 pay your premium by:  Coverage takes effect:
    On or before December 31, 2017 January 1, 2018

  • 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 cost- sharing reductions to help them pay their cost-sharing charges. These subsidies reduce the deductibles, copayments, and other out-of-pocket charges that people eligible for cost-sharing reductions pay when they use benefits covered by their health plan.

  • 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 eligible for the subsidy available for those that purchase Marketplace products.