Alyssa Lane
The Healthy Indiana Plan (HIP) is a health insurance program offered by the state of Indiana. It is a Medicaid program for Indiana Health Coverage Programs (IHCP) members aged 65 and over, or those with blindness or a disability. HIP provides health insurance coverage to uninsured adults with family incomes up to 200% FPL. The program offers comprehensive benefits, including vision, dental, and chiropractic services, and rewards members for taking better care of their health.
| Characteristics | Values |
|---|---|
| Name | Healthy Indiana Plan (HIP) |
| Type of Insurance | Health Insurance |
| Coverage | Medical costs, dental, vision, chiropractic, behavioural healthcare, substance use, doctor care, prescriptions, diagnostic care, maternity care, non-emergency rides |
| Incentives | Rewards for taking better care of health, reduced future costs for managing account well and getting preventive care |
| Eligibility | Indiana residents, age 19-64, low-income adults with family incomes up to 200% FPL, custodial parents of Medicaid and CHIP children, childless adults |
| Cost | Affordable monthly contributions based on income, $8 for non-emergency visits to the emergency room, no copayments for HIP Plus |
| Application | Online, by mail, or at Division of Family Resources office |
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What You'll Learn
- The Healthy Indiana Plan (HIP) is a health insurance program for qualified adults
- HIP Plus offers comprehensive benefits including vision, dental and chiropractic services
- HIP Maternity offers additional benefits during pregnancy and for 12 months after
- HIP Basic does not cover dental, vision or chiropractic services and charges a copayment for each service
- HIP is Indiana's consumer-driven health coverage program for non-disabled Hoosiers
The Healthy Indiana Plan (HIP) is a health insurance program for qualified adults
HIP has two pathways to coverage: HIP Plus and HIP Basic. HIP Plus is the preferred plan, offering comprehensive benefits with no copayments when visiting the doctor, filling a prescription, or going to the hospital. Members pay an affordable monthly contribution based on their income, with higher contributions for tobacco users. The only additional cost for healthcare in HIP Plus is an $8 payment for non-emergency use of the emergency room.
HIP Basic does not cover dental, vision, or chiropractic services and charges a copayment for each service received. Individuals with family income at or below the federal poverty level will default to HIP Basic if they do not make their POWER Account contribution.
The Healthy Indiana Plan also offers HIP Maternity, which provides additional benefits during pregnancy and for an extra 12 months starting on the last day of pregnancy. These benefits include vision, dental, and chiropractic services at no cost, as well as non-emergency rides.
HIP empowers members to make important decisions about the cost and quality of their healthcare. Members who manage their accounts well and receive preventive care can reduce their future costs. The plan also rewards members for taking better care of their health, providing incentives for members to take personal responsibility for their health.
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HIP Plus offers comprehensive benefits including vision, dental and chiropractic services
The Healthy Indiana Plan (HIP) is a health insurance program offered by the state of Indiana. It provides health care to low-income adults aged 19 to 64 who meet specific income levels. HIP Plus is one of the two pathways to coverage under the Healthy Indiana Plan, the other being HIP Basic.
HIP Plus offers comprehensive benefits, including vision, dental, and chiropractic services, for a low, predictable monthly cost. Members do not pay every time they visit a doctor or fill a prescription. They only pay $8 if they visit the emergency room when they don't have an emergency health condition. This is in contrast to HIP Basic, which does not cover dental, vision, or chiropractic services and charges a copayment for each service received.
HIP Plus members make a monthly contribution to their Personal Wellness and Responsibility (POWER) Account, based on their income. This contribution can be split when spouses are both enrolled in HIP. The POWER Account covers the first $2,500 of a member's medical expenses for covered benefits each calendar year. The state pays most of this amount, but the member is responsible for paying a small portion of their initial healthcare costs. If a member's annual healthcare expenses are less than $2,500 per year, they may rollover their remaining contributions to reduce their monthly payment for the next year.
HIP Plus members can also reduce their POWER Account contribution amounts after a year in the program based on the amount remaining in their accounts. If they receive recommended preventive care services throughout the year, the discount will be doubled.
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HIP Maternity offers additional benefits during pregnancy and for 12 months after
The Healthy Indiana Plan (HIP) is a health insurance program offered by the state of Indiana. It provides health care to low-income adults aged 19 to 64, as well as those aged 65 and over, or with blindness or a disability. The plan covers medical costs, including dental, vision, and chiropractic services, and rewards members for taking better care of their health.
HIP Maternity is a component of the Healthy Indiana Plan that offers additional benefits to pregnant members for the duration of their pregnancy and for 12 months after. During this period, members have access to enhanced benefits, including vision, dental, and chiropractic services at no cost. They also receive coverage for non-emergency rides and support to quit tobacco use.
One of the key advantages of HIP Maternity is the absence of monthly POWER account contributions or copays during pregnancy and the 12 months postpartum. This means that members do not have to worry about out-of-pocket expenses for healthcare services during this critical period. Furthermore, members may be eligible for additional programs, such as the Medicaid Rehabilitation Option (MRO), which can provide further support and resources.
To ensure continuity of care, members are encouraged to promptly report the birth of their child or the end of their pregnancy to the state. Following the 12-month period of enhanced benefits, members will transition to receiving HIP Basic benefits. They will have 60 days to pay their contribution for HIP Plus, if they choose to upgrade their coverage. It is important to note that failure to make the required contribution may result in disenrollment from HIP if the member's income exceeds the poverty level.
HIP Maternity aims to provide comprehensive support and peace of mind to expectant and new mothers by offering a range of benefits and services that address their unique needs during pregnancy and the first year postpartum. This includes not only medical care but also assistance with transportation and resources to promote healthy lifestyle choices.
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HIP Basic does not cover dental, vision or chiropractic services and charges a copayment for each service
The Healthy Indiana Plan (HIP) is a health insurance program offered by the state of Indiana. It provides health care to low-income adults aged 19 to 64, as well as to Hoosiers with disabilities or blindness. The plan offers full health benefits, including hospital care, doctor care, prescriptions, and diagnostic care.
HIP has two pathways to coverage: HIP Plus and HIP Basic. HIP Plus is the preferred plan, offering comprehensive benefits, including vision, dental, and chiropractic services. It also has no copayments, except for non-emergency use of the emergency room. To enroll in HIP Plus, eligible individuals must make a monthly contribution to their POWER Account, which is based on their income.
On the other hand, HIP Basic does not include dental, vision, or chiropractic services. It also charges a copayment for each service received. Individuals with family income at or below the federal poverty level will be enrolled in HIP Basic if they do not make their POWER Account contribution.
The Healthy Indiana Plan empowers members to make decisions about the cost and quality of their healthcare. It also provides incentives for members to take personal responsibility for their health, such as rewarding members for taking better care of their health and managing their accounts well.
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HIP is Indiana's consumer-driven health coverage program for non-disabled Hoosiers
The Healthy Indiana Plan (HIP) is a consumer-driven health coverage program for non-disabled Hoosiers. It is a Medicaid program that provides health insurance coverage to qualified adults aged 19 to 64 who meet specific income levels. The plan is offered by the state of Indiana and pays for medical costs, including dental, vision, and chiropractic care.
HIP empowers members to make important decisions about the cost and quality of their healthcare. It offers two pathways to coverage: HIP Plus and HIP Basic. HIP Plus is the preferred plan, providing comprehensive benefits at a low, predictable monthly cost. It includes vision, dental, and chiropractic services, and members do not pay every time they visit a doctor or fill a prescription. HIP Basic, on the other hand, does not cover dental, vision, or chiropractic services and charges a copayment for each service received.
HIP Plus members make a monthly contribution to their Personal Wellness and Responsibility (POWER) Account, which is based on their income. The state pays most of the first $2,500 of a member's medical expenses, but members are also responsible for paying a small portion of their initial healthcare costs. If a member's annual healthcare expenses exceed $2,500, the additional health services are fully covered at no additional cost.
HIP also offers enhanced benefits for pregnant members through the HIP Maternity plan. This plan provides additional benefits during pregnancy and for an extra 12 months starting from the last day of pregnancy, including vision, dental, and chiropractic services at no cost.
Overall, HIP is a consumer-driven health coverage program that provides affordable and comprehensive health benefits to non-disabled Hoosiers, empowering them to make cost-conscious and quality-conscious healthcare decisions.
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Frequently asked questions
HIP stands for Healthy Indiana Plan, a health insurance program offered by the state of Indiana.
HIP is available to Indiana residents between the ages of 19 and 64 with family incomes less than approximately 138% of the federal poverty level. It is also available to custodial parents of Medicaid and Children's Health Insurance Program (CHIP) children who are not themselves eligible for Medicaid, and childless adults.
HIP covers all basic health benefits, including hospital care, doctor care, prescriptions, and diagnostic care. Some plans may have extra benefits, such as dental, vision, and chiropractic services.
HIP offers affordable monthly contributions based on income. There are no additional costs or copayments when visiting the doctor, filling a prescription, or going to the hospital, except for a $8 payment if you visit the emergency room for a non-emergency health condition.
