Jane Dotson
The Healthy Indiana Plan (HIP) is a health insurance program for qualified adults aged 19 to 64 (or over 65 with a disability) that is offered by the State of Indiana. It provides health coverage for low-income adults who may not be eligible for Medicare or Medicaid. The plan covers medical costs and can include dental, vision, and chiropractic care. To apply for HIP, individuals can submit applications online, by mail, or by visiting their local Division of Family Resources (DFR) office.
| Characteristics | Values |
|---|---|
| Name of the plan | Healthy Indiana Plan (HIP) |
| Type of plan | Medicaid |
| Who is eligible | Low-income adults aged 19-64, not eligible for Medicare or Medicaid, and members aged 65 and over, or with blindness or a disability |
| Income eligibility | Individuals with annual incomes up to $21,603. Couples with annual incomes up to $29,197.80. A family of four with an annual income of $44,376. |
| Cost | Low, predictable monthly cost. Small monthly payment through Personal Wellness and Responsibility (POWER) Account. |
| Benefits | Hospital care, behavioral healthcare, doctor care, prescriptions, diagnostic care, dental, vision, and chiropractic services. |
| Application process | Applications are available online, by mail, or by visiting your local Division of Family Resources (DFR) office. |
| Application deadline | N/A |
| Coverage start date | Coverage can begin as early as the first month of submitting the application. |
| Customer service number | 1-877-GET-HIP-9 |
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What You'll Learn
Eligibility requirements
The Healthy Indiana Plan (HIP) is a health insurance program for qualified adults. It is offered by the State of Indiana and provides health coverage for Hoosiers with low incomes aged between 19 and 64.
To be eligible for HIP, applicants must meet the following criteria:
- Be a resident of Indiana: Only Indiana residents are eligible for the program.
- Age requirement: Applicants must be aged between 19 and 64 years old. Individuals under 19 may be covered under the plan if they are dependents of a qualifying adult.
- Income requirements: The program is designed for low-income adults who meet specific income levels. The income limits vary based on household size. For example, individuals with an annual income of up to $21,603 may qualify, while a family of four with an annual income of up to $44,376 may be eligible.
- Not eligible for Medicare or Medicaid: Applicants must not be eligible for other government-provided insurance programs like Medicare or Medicaid.
- Health status: Individuals with certain medical conditions that require more care or are considered medically frail may be given priority.
- Parent and Caretaker requirements: For parents and caretakers to be eligible, they must ensure their children have the minimum essential coverage.
- POWER Account contributions: To be eligible for HIP Plus, the preferred plan, individuals must make monthly contributions to their Personal Wellness and Responsibility (POWER) Account. The contribution amount is based on income and can range from $1 to $20 per month.
- Fast Track payment: Applicants can make a Fast Track payment when applying online or during the application process. This payment is made directly to the selected Managed Care Entity (MCE) or health plan.
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Application methods
The Healthy Indiana Plan (HIP) is an insurance program offered by the state of Indiana. It provides health coverage for low-income adults aged 19 to 64 who may not be eligible for Medicare or Medicaid. The program covers medical costs and can include dental, vision, and chiropractic care.
There are three ways to apply for HIP: online, by mail, or by visiting your local Division of Family Resources (DFR) office. Here is a step-by-step guide for each application method:
Online Application:
- Visit the official website of the Indiana State Government: https://www.in.gov/fssa/hip/.
- Review the eligibility criteria to determine if you meet the specific income levels and age requirements.
- Gather all the required information and documents needed for the application.
- Complete the online application form with your personal and income details.
- Make a Fast Track payment by credit card during the application process if you wish to expedite your enrollment in HIP Plus. This payment is made to the Managed Care Entity (MCE) or health plan that you select.
- Submit your application.
Mail Application:
- Download the application form from the Indiana State Government website or request a paper application by calling 1-877-GET-HIP-9.
- Complete the application form with all the required information.
- Mail the completed application form to the provided address, ensuring you include all necessary supporting documents.
In-Person Application:
- Locate your nearest Division of Family Resources (DFR) office by calling 1-877-GET-HIP-9 or checking the Indiana State Government website.
- Visit the DFR office during their business hours.
- Bring all the required information and documents with you.
- Complete and submit the application with the assistance of DFR staff, if needed.
Regardless of the application method, ensure that you provide all the necessary information accurately. Applications are typically processed within 45 business days of receiving all the required information. After your application is processed, you will be notified of your eligibility, and if approved, you will be assigned to the health plan you chose during the application process.
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Payment options
The Healthy Indiana Plan (HIP) is a health insurance program for qualified adults, offered by the State of Indiana. It offers full health benefits, including hospital care, doctor care, prescriptions, and diagnostic care.
- Fast Track: This payment option allows eligible Hoosiers to expedite the start of their coverage in the HIP Plus program. It allows you to make a $10 payment while your application is being processed. This payment counts towards your first POWER Account contribution. If you make a Fast Track payment, your HIP Plus coverage will begin on the first day of the month in which you made the payment. If you do not opt for Fast Track, there may be a delay in the start of your coverage.
- POWER Account: The first $2,500 of medical expenses for covered services are paid with a special savings account called a Personal Wellness and Responsibility (POWER) Account. If you are a HIP Plus member, you will be responsible for making a small contribution to your account each month, based on your income. If you are a HIP Basic member, you do not need to make any contribution.
- Monthly Payments: Members pay affordable monthly contributions, based on their income. There are no extra costs or copayments when you visit the doctor, fill a prescription, or go to the hospital.
- Pregnancy Benefits: Pregnant members do not have copays or monthly payments. They will be enrolled in the HIP Maternity plan, which offers additional benefits during pregnancy and for an extra 12 months starting from the last day of pregnancy. This includes vision, dental, and chiropractic services at no cost.
- Tobacco Users: If you are eligible for HIP and are a tobacco user, you may have an increased POWER Account contribution in your second year of coverage.
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Benefits of HIP Plus
The Healthy Indiana Plan (HIP) is an insurance program offered by the state of Indiana. It provides health care to low-income adults aged between 19 and 64. Here are the key benefits of the HIP Plus plan:
Comprehensive Benefits
HIP Plus offers comprehensive benefits, including vision, dental, and chiropractic services. These benefits are not available with the basic HIP plan.
Low, Predictable Monthly Costs
HIP Plus members pay an affordable monthly contribution based on their income. This contribution is made to their Personal Wellness and Responsibility (POWER) Account, which helps cover initial health expenses. The state pays most of the first $2,500 of medical expenses, with the member responsible for a small portion.
No Copayments
There are no copayments required for receiving most services under HIP Plus. Members do not pay every time they visit a doctor, fill a prescription, or stay in the hospital. The only exception is a copayment for non-emergency use of the emergency room.
Additional Services
HIP Plus covers additional services not included in the basic plan, such as bariatric surgery and Temporomandibular Joint Disorders (TMJ) treatments. It also allows for more visits with physical, speech, and occupational therapists.
Prescription Refills and Mail Order
HIP Plus members can receive 90-day refills on prescriptions and have the option to receive medication by mail order. This is a significant advantage over the basic plan, which limits members to a 30-day prescription supply and does not offer mail-order services.
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Maternity coverage
The Healthy Indiana Plan (HIP) provides maternity care for pregnant women. To access these benefits, there are a few steps to follow:
Firstly, report your pregnancy to your health plan provider as soon as possible. This is an important first step as it will stop any POWER account payments or copays while you are pregnant and for 12 months after giving birth. You can choose from one of the following health plans: Anthem, CareSource, MDwise, or MHS.
Secondly, you will join HIP Maternity, which provides enhanced benefits during pregnancy, including vision, dental, and chiropractic services, non-emergency transportation, and enhanced smoking cessation services for pregnant women. HIP Maternity will also help you find ways to stop tobacco use.
Thirdly, after giving birth, you will receive HIP Basic benefits for 12 months. During this time, you will have 60 days to pay your contribution to receive HIP Plus benefits. If you do not make this payment and your income is over the poverty level, you will not be eligible for continued benefits and will be disenrolled from HIP. If your income is under the poverty level, you can continue with HIP Basic and pay copayments to receive healthcare services.
To apply for HIP, you can make a Fast Track payment by credit card when completing your online application. You must select a Managed Care Entity (MCE) or health plan to provide your HIP coverage. This cannot be changed after making the payment, so be sure to select the right one for you. If you are deemed eligible for HIP, your HIP Plus coverage will begin on the first day of the month that you submitted your application.
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Frequently asked questions
The Healthy Indiana Plan is a health insurance program offered by the State of Indiana for qualified adults. The plan covers medical costs and could include dental, vision, and chiropractic coverage.
The Healthy Indiana Plan is available to low-income adults aged 19 to 64 who are not eligible for Medicare or Medicaid. There are specific income limits to qualify, and these are reviewed on a case-by-case basis.
The Healthy Indiana Plan provides full health benefits, including hospital care, behavioral healthcare, doctor care, prescriptions, and diagnostic care. The plan also offers additional benefits, such as dental and vision coverage, for a low monthly cost.
You can apply for the Healthy Indiana Plan online, by mail, or by visiting your local Division of Family Resources (DFR) office. The application process typically takes 45 business days once all the required information is received.
The cost of the Healthy Indiana Plan varies depending on the individual's income level. Lower-income members may be enrolled in the HIP Basic plan with no monthly contribution, while others may need to pay a small monthly contribution through their Personal Wellness and Responsibility (POWER) Account.
