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Plans and Networks for Obamacare Indiana – If you are in Indiana and need Obamacare, then you are probably very curious about all of the different providers and plans that are available in the state. One of the first things that you have to understand is that you can only enroll in a plan during the open enrollment period in most cases. The open enrollment for 2016 was from November 1, 2015, to January 31, 2016. If you missed this enrollment, you will have to wait until it reopens in November of 2016. There are some exceptions to this rule though. Native Americans are able to enroll at any time of the year. Those who have a qualifying event can get a special enrollment period. Some of the examples of qualifying events include getting married, moving to the state, or having a child.
When you are finally looking at the plans available, it can seem daunting at first. It’s important to break it down into pieces to better understand it.
The Metal Tiers – First, the plans are separated into different metal tiers. They start at bronze, which has the least expensive monthly premiums and the highest out of pocket costs. Next come the silver level plans, which have somewhat higher premiums and lower out of pocket expenses. Some of the silver plans may also qualify for cost sharing, which can reduce those out of pocket expenses further. Then comes gold. These plans have higher premiums, but they take care of more of the out of pocket costs. Finally, the platinum level plans have the highest monthly premiums, but they will cover 90% of your out of pocket expenses.
The Providers – Many different companies in Indiana offer Obamacare coverage for residents. The available providers on Healthcare.gov include All Savers Insurance Company, Anthem Insurance Companies, Inc., CareSource Indiana Inc., Celtic Insurance Company, IU Health Plans, MDwise Marketplace Inc., Physicians Health Plan of Northern Indiana, Inc., Southeastern Indiana Health Organization, Inc., and Time Life Insurance.
However, these are not the only companies offering coverage that will satisfy your requirements for Obamacare. You can find other companies including Coordinated Care Option, Humana Insurance Company, and United Healthcare Life Insurance Company offering plans you may want to consider in lieu of the providers on the exchange.
Each of these plans may have their own features and elements that help to make them unique, so you will want to make sure you look into what each offers before making your choice. However, all of the plans, no matter the level, will provide the essential benefits. To Get a free health insurancce quote Click here.
The Essential Benefits – These benefits include outpatient care, emergency services, hospital care, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
You need to make sure you have some form of health coverage to be in compliance with the law. There are a number of plans and options available from which you can choose during the enrollment period. Find the one that will work the best for you and your family.
Getting Coverage for Obamacare Indiana
If you are in Indiana and in need of Obamacare coverage, you have a number of options when it comes to choosing your plan. While the state utilizes the federal exchange for their Obamacare plans, there are also other companies that will satisfy your Obamacare requirement that are not a part of the exchange. It is a good idea to look at all of the options to find out which one is the best for your particular needs.
When you are looking for coverage, the first thing you need to consider is the tier levels of the plans. They separate plans into tiers named after different metals. The bronze tiers are going to have the cheapest of the monthly premiums. However, you will find that the out of pocket expenses with these are high. Silver plans are somewhat more expensive in terms of monthly premiums, but they have lower out of pocket costs. The gold plans follow the same suit. The premiums are higher and the expenses out of pocket are lower. Platinum plans are the lowest when it comes to out of pocket costs, but the highest in terms of monthly premium.
Then, you will start looking at the various plans available in the exchange. In Indiana, Obamacare providers include Healthcare.gov include All Savers Insurance Company, Anthem Insurance Companies, Inc., CareSource Indiana Inc., Celtic Insurance Company, IU Health Plans, MDwise Marketplace Inc., Physicians Health Plan of Northern Indiana, Inc., Southeastern Indiana Health Organization, Inc., and Time Life Insurance.
Coordinated Care Option, Humana Insurance Company, and United Healthcare Life Insurance Company are not part of the exchange, but they are available in the state, and they have plans that will satisfy your Obamacare requirements.
All of the plans have the essential benefits – outpatient care, emergency services, hospital care, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services. To Get a free quote Click here.
Paying and Renewing – Once you sign up for a plan, you will pay as you normally would to an insurance company. Renewal is automatic unless the provider stops offering the plan, in which case you will need to find a new provider.
Open Enrollment and Special Enrollment – The open enrollment period for Indiana Obamacare in 2016 was from November 1, 2015, to January 31, 2016. Those who missed the enrollment period will have to wait until the enrollment opens again in November, 2016, or they will need to find other coverage. If they don’t, they will have to pay the penalties for not having coverage. However, some may qualify for special enrollment. Native Americans are able to enroll at any time of the year. Those who have qualifying events can often get a 60-day special enrollment period. During this time, they will need to look for a plan and enroll.
The enrollment period for this type of enrollment begins on the date the qualifying event starts. Some examples of events that could qualify you for special enrollment include having a child or getting married.
Check Your Plan Each Year – Residents of Indiana with Obamacare will want to check the various plans available during the open enrollment period. Even if you feel you are happy with your current coverage, it is in your best interest to see what else is available. You may be able to find something that works out better for you.
Getting Financial Aid for Obamacare Indiana
One of the biggest concerns that people in Indiana had when it came to health insurance being mandatory was the cost. Many people already have plenty of bills and commitments that they need to pay for each month, and the addition of the insurance premiums was not a welcome addition. The insurance companies have started charging increased rates as the years have passed, but the increase in rates has been quite low in Indiana when compared with other states. Many people will find that they can get the coverage they need because of the various financial assistance options available.
Medicaid and CHIP – Obamacare Indiana is one of the states that decided to expand the Medicaid system. This allows more individuals and families to qualify for Medicaid, which will fulfill their requirements for Obamacare. In addition, families with children could qualify for the Children’s Health Insurance Program (CHIP). This will also satisfy the child’s requirements for Obamacare. When you sign up and enroll through the exchange, they will notify you if you qualify for one of these programs. If you do, this will greatly reduce the amount of money you have to pay, and therefore the worry that you might have over costs.
Tax Subsidies for Obamacare Indiana – Another one of the ways to make your coverage more affordable is through tax subsidies. When you apply for coverage through the exchange, they will let you know how much you qualify for with the subsidies. Quite a few residents of Indiana should be able to get at least some help through subsidies. Those who have an income that is between 100% and 400% of the federal poverty level will qualify for subsidies.
Once you find out how much you are able to qualify for, you can then decide how you want to use them. Some people choose to have the credits applied at the end of the year. This will reduce the amount that they have to pay in taxes. If you are due money back from the government, this could increase your refund. Most people who are concerned over the cost of the coverage, though, will want to have the credits applied immediately. They will go to the insurance provider and you will then have a lower monthly premium. This will make it easier to save some money each month for all of your other expenses.
Cost Sharing With Silver Plans – Another way to save is through cost sharing, which is available to those who have silver level plans. This can help to cut your out of pocket expenses, such as your copays and your deductibles. To qualify, your income will need to be between 100% and 250% of the federal poverty level.
As you can see, there are many ways that you can cut your costs to pay for your health insurance coverage with Obamacare in Indiana. It’s natural to worry about the prices and keeping up with your payments, but there are options out there that will help to make affording your coverage easier than you may have thought.
Common Mistakes on the Obamacare Indiana Application Process
You need to have health insurance coverage in Indiana if you want to avoid fines levied by the government. If you do not have coverage through Obamacare in Indiana, you will need to have private coverage, employer coverage, or you’ll need to be on Medicaid. If you don’t have coverage, you will need to pay fines, which are currently $695 for an adult and $347.50 for a child. The only time that you can get on Obamacare in the state is during the open enrollment period, which ended on January 31. Those who missed the deadline will have to wait until the next open enrollment in November, unless they qualify for special enrollment.
No matter when you are filling out your application, you need to make sure that you do it correctly. This will ensure that it goes through the system without a hitch so you can find the coverage you need and so you can get all of the benefits, such as tax credits, that you are due. Let’s examine some of the most common mistakes that people make when filling out their application.
Waiting Too Long – As mentioned, you need to fill out and submit your application during the limited window of the open enrollment period, or during the 60 days allowed if you qualify for a special enrollment. Even if you fill out the application perfectly, it is not going to do you any good if you wait too long to turn it into the system.
Add All of the Required Information and Double-Check It – Many officials find that the applications they receive are not fully filled out, and there is pertinent information that is missing. Some of the items that people have forgotten on their applications for Obamacare in Indiana include the Social Security numbers, names, and birthdates for everyone who is on the application. You have to double-check to make sure that you fill out all of the areas and that all of the information is correct.
People on the Application – Be sure you are including everyone on the application that needs to be there. If you have a child who is on the CHIP program, they do not need to be on your medical insurance, as they are already covered through the state. If your spouse has his or her own insurance, they do not need to be on your application either. Also, keep in mind that you can keep your kids on your insurance until they are 26 according to the new laws.
After you fill everything out and you feel that the application is complete, take the time to look it over once more, just to be sure. If you have any questions, you should contact the healthcare exchange system to find the answers to your questions. If you still have trouble with the application, you may want to have some help filling it out properly.
As long as your application is filled out properly, you should not have any trouble getting your insurance coverage.
Obamacare Indiana Impact on Small Businesses
As the Affordable Care Act approached, many small businesses grew nervous. They worried that the new law was going to force them to provide health coverage for their employees, and they were concerned that they would not be able to afford doing so. Small businesses should not have to worry about this though, as there are many factors that will determine whether they have to provide coverage or not. Most companies will not need to as long as they are small enough.
Do You Need to Enroll in Obamacare Indiana? – Businesses that have fewer than 50 full time equivalent employees will not need to provide coverage. A full time equivalent employee is considered someone who works 130 hours per month or an average of 30 hours per week. However, several employees can add up to one full time equivalent. For example, if you have two employees who work an average of 15 hours a week each, that is considered to be one full time equivalent employee.
Most of the time, it is only going to be the larger companies that will need to provide coverage for their employees. Small businesses in Indiana with Obamacare worries should be happy to hear about this.
If you have a small company that doesn’t need to provide coverage, and you are covered by the Fair Labor Standards Act, you will still need to let them know about Obamacare in Indiana. All of the new employees that come to your company will need to be told about Obamacare. You can use notices created by the US Department of Labor to meet these requirements.
Can You Enroll? – Even though you might not be required by law to provide coverage for your employees, it might not be a bad idea to consider it at least. When you provide coverage, it gives you employees more benefits and therefore more reason to want to stay with your company, which can reduce your turnover rate. In addition, offering coverage will help to keep your employees healthier, which can cut down on the number of absences they have over the course of the year. You will also find that when you have a healthy group of people working for you, they tend to be more productive.
Only some businesses will be able to enroll through the Small Business Health Options Program (SHOP). You need to have fewer than 25 full time equivalent employees, and you will need to pay at least half of their premiums (35% for nonprofits). In addition, the average annual wage for the employees needs to be less than $50,000. If you qualify, you will be able to search for plans through SHOP.
If you are able to get coverage for your employees, you can also receive tax credits. This will help to reduce the overall cost of the healthcare insurance for your employees. The tax credits are a great incentive for business owners who are thinking about providing coverage. Those who qualify can check the various plans to find something that will work well for their group.
Obamacare Indiana Fact Sheet
Indiana residents are now well aware that health insurance coverage is mandatory. However, you may still be confused about how the new law works and what it will mean for you. There have been a number of changes to the way the healthcare system and insurance companies work, and it is important to have a good understanding of how these changes will affect you. The following are some of the most important facts to keep in mind about Obamacare.
No Longer a Choice – In the past, you could risk not having insurance if you wanted. It would mean massive payments to the doctor or hospital if you had to visit for some reason, but many people were willing to take this risk, mostly because they felt they couldn’t afford coverage. However, it is not a choice any longer. Now, you are required to have some form of coverage. If you have Medicaid, employer insurance, or coverage through a private company, you will not have to go through Obamacare, as the requirements will be fulfilled. However, if you don’t have coverage through those methods, you will need to go through the exchange unless you are exempt. Examples of exemptions include people with religious reasons and members of Native American tribes.
There’s a Fee for Not Having Coverage – You will not go to jail if you do not have coverage. However, you will be subject to a fine. The penalty is currently $695 for adults without coverage or 2.5% of their income, whichever is higher, and $347.50 for children with no coverage.
The Open Enrollment Period – The open enrollment period for Indiana Obamacare for 2016 was from November 1, 2015 to January 31, 2016. For those who missed the open enrollment, they will have to wait until the following year to enroll unless they are able to qualify for a special enrollment. Some of the qualifying life events that would allow you to have special enrollment include having a child, adopting a child, and moving to the state. If you qualify, you will have a limited window where you can enroll.
Benefits and Changes to the Laws – In the past, if you had a preexisting condition, it could be difficult, and in some cases impossible, to get coverage through an insurance company. If you could get insured, you would have had to spend an arm and a leg on coverage. However, with the new laws in place, the companies are not able to deny coverage for your healthcare. In addition, they can’t charge you more because of a condition that you have when you enroll, or for one that you develop when on the plan.
Parents are now able to keep their children on their health plan until they are 26 years old as well. This ensures the kids are able to get good coverage until they are able to get it on their own.
Understanding the facts about Obamacare helps Indiana residents to see just how many benefits this change to the law has added.
Obamacare Indiana Tax Information
One of the concerns that some people in Indiana had when they learned about Obamacare and how the system would work was about their taxes. They didn’t know how it would affect them when it came time to pay their taxes, and how penalties would be applied by the IRS if they did not have coverage. Fortunately, most people will not find it too difficult to incorporate Obamacare into their taxes when they do them this year. However, those who do not have coverage will have to contend with the penalties unless they are exempt from coverage.
What Fines Can the IRS Add to Your Taxes? – If you choose not to get coverage in Indiana, whether through Obamacare or employer coverage, you are not following the law. While you will not be arrested for not having coverage, you will have to pay a penalty on your taxes. The current penalties are $695 for adults and $347.50 for children who are under 18 and who do not have coverage. If you don’t have coverage, you are expected to pay this penalty on your taxes. However, for those who do have coverage, you still need to understand exactly what you will have to do in order to complete your taxes.
Forms Needed – Before it is time to pay for the taxes, you will get a form in the mail that provides you with the information you need to fill out your taxes properly. Those who enrolled in Obamacare in Indiana will receive a 1095-A, which is the Healthcare Insurance Marketplace Statement. Those who have insurance that they bought outside of the marketplace will receive the 1095-B. If you have insurance through your employer, you will receive a Health Coverage form, the 1095-C.
If you receive the 1095-C or 1095-B, you are able to fill out your taxes even before those forms arrive. The insurance companies or your employer will have provided the IRS with the information they need in regards to you being covered. However, those who when through Obamacare in Indiana will need to wait until their 1095-A form arrives in the mail, as they need the information it includes to fill out Form 8962. This is the form that you will send in with the rest of your taxes. Make sure that you keep the 1095-A for your records though.
Filling out the taxes should be a relatively straightforward process when it comes to adding the healthcare information. Of course, every taxpayer is different, and you may find that it is easier to have a professional help you with your taxes. This will ensure that you don’t make any mistakes.
Do Not Forget to File – Do not file late and always make sure you file your taxes. The IRS will discover if you don’t send in your taxes, even if you do not owe money. This can negatively affect whether you are eligible to receive tax credits in the future. Take your time with your taxes and double-check the information before you send it to the IRS, just to be sure.
What’s New for Obamacare Indiana in 2016 ?
During the 2016 open enrollment period, there were more than 196,242 people enrolled in plans through the health insurance exchange in Indiana, and the average rate increase from the previous year has only been around one percent. This is much lower than it is in other states, even though the requirements and the types of benefits are the same. A number of people had cancelled their coverage, and unless they have Medicaid, coverage through a company not on the exchange, or coverage through their employer, they will have to pay a fine. The current penalty for adults is $695, and the penalty for those who are under 18 without coverage is $347.50.
The Open Enrollment Period – The open enrollment period for 2016 was from November 1, 2015 to January 31. 2016. The next open enrollment period will not start until November 1, 2016. Up until that point, the only way you will be able to get coverage through Obamacare is if you have a qualifying event. This could be getting married, moving to the state, or having a child, for example. Native Americans are allowed to enroll any time of the year. The same is true for those who are trying to get on Medicaid or to get CHIP for their children.
The Carriers for 2016 – In Indiana, there are a number of different companies offering plans from which you can choose that will satisfy your requirement for having Obamacare in Indiana. The providers available through the exchange on Healthcare.gov include All Savers Insurance Company, Anthem Insurance Companies, Inc., CareSource Indiana Inc., Celtic Insurance Company, IU Health Plans, MDwise Marketplace Inc., Physicians Health Plan of Northern Indiana, Inc., Southeastern Indiana Health Organization, Inc., and Time Life Insurance. In addition to the plans that are on the exchange, there are other carriers in the state that are not part of Healthcare.gov, but that offer plans compliant with the Affordable Care Act. These include Coordinated Care Option, Humana Insurance Company, and United Healthcare Life Insurance Company.
Regardless of the provider or the plan you choose you are guaranteed that it will include the essential benefits. The essential benefits include ambulatory care, emergency services, hospital care, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
The average rate for the health plans has increased across providers and across the state. This has happened in most of the other states in the country, so Indiana is not unique in this respect. However, it is important to note that the increase in Indiana is, on average, lower than many of the other states in the country. This should be good news for those with Obamacare in Indiana. It is still a good idea to check the policies and plans during each of the open enrollment periods though, just so you can be sure you are getting the best plan for the money. Most of the other elements for the exchange in Indiana have remained the same for 2016.
Cons and Pros of Indiana Obamacare
The Affordable Care Act, or Obamacare, went into effect several years ago, and it requires everyone to have some type of insurance coverage. This means you and your family members will need to have some type of health insurance – it is no longer an option. Since the inception of the new healthcare system, there have been those who love the idea and those who hate it. Before you judge the system, it is a good idea to understand both the pros and the cons.
What Are the Cons of Obamacare Indiana? – One of the biggest concerns and gripes that people have when it comes to the new method of insurance is the fact that it is required. You need to have some type of coverage or else you have to pay fines to the government, and many would prefer that they still had the choice of whether to get coverage or not. Contrary to what some believe though, just because you need to have coverage, it does not mean you need to have Obamacare in Indiana. If you have Medicaid, insurance through your employer, or coverage through a private company that’s not part of the exchange, it still counts as your coverage requirement.
In addition, the only time you will be able to apply for coverage is during the open enrollment period, unless you qualify for special enrollment due to a qualifying life events, such as getting married or having a child. If you don’t enroll during this period, you will have to wait until the following open enrollment to get Obamacare. If you don’t have any other form of coverage, you will be required to pay the penalty, which is currently $695 per person, or 2.5 percent of their income – they will choose whichever is higher. For those who are less than 18 years old, the penalty is $347.50.
People are concerned over being able to afford the coverage as well. Fortunately, that is not going to be a problem for most people, which we will cover in the next section.
What Are the Pros of Obamacare Indiana? – The new healthcare system has provided the country, and the state of Indiana, with a number of benefits as well. For example, children are now allowed to stay on their parent’s health insurance until they are 26 years old. In addition, the health insurance companies are no longer allowed to withhold coverage from people just because they have a preexisting condition. They will not be able to charge higher rates for preexisting conditions.
When it comes to affording coverage, the government put a tax subsidy program in place. Many individuals and families will qualify for these subsidies, which can help them lower the cost of coverage. When you apply through the exchange in Indiana, you will find out how much you qualify to receive in subsidies. It’s based on your income and the number of people in the family. You can have them applied at the end of the year to your taxes, or you can apply them right away to lower your monthly premiums. As you can see, there are more pros than there are cons when it comes to Obamacare in Indiana.
Unique Aspects of Obamacare Indiana
Health insurance is a requirement in every state in the country now that the Affordable Care Act, or Obamacare, is in full effect. In Indiana, you will find the available healthcare programs through Healthcare.gov, as they use the federal health exchange system. A number of states chose to create their own exchange, but Indiana decided to go with the federal system instead.
Obamacare Indiana Expanded the Medicaid System – Only a portion of the states in the country decided to expand their Medicaid coverage. This allowed more people to qualify for the coverage who might not be able to afford regular healthcare through the exchange. Essentially, the expansion insured that fewer people in Indiana fell between the cracks in the system.
Types of Plans and Providers in the State – The exchange system utilizes the metal tiers to categorize their plans. They fall into bronze, silver, gold, and platinum. The plans that are at the bronze level will have the lowest monthly premiums, but they have the highest out of pocket costs. Those who are in relatively good health may want to choose this type of plan since they will not be spending much time in the doctor’s office where they would have to pay out of pocket costs. The Platinum plans take the opposite approach. These plans have expensive monthly premiums, but they pay for 90% of the out of pocket costs. This level of plan would be better for someone who has health issues and who would normally incur a lot of out of pocket expenses.
There are a number of providers offering plans in Indiana. The companies that provide plans through the exchange at Healthcare.gov include All Savers Insurance Company, Anthem Insurance Companies, Inc., CareSource Indiana Inc., Celtic Insurance Company, IU Health Plans, MDwise Marketplace Inc., Physicians Health Plan of Northern Indiana, Inc., Southeastern Indiana Health Organization, Inc., and Time Life Insurance. There are also several companies that are not on the exchange, but they still have plans that will satisfy the requirement for Obamacare. They include Coordinated Care Option, Humana Insurance Company, and United Healthcare Life Insurance Company.
In Indiana, as well as other states, all of the plans are guaranteed to provide you with the essential benefits. These include ambulatory care, emergency services, hospital care, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
The Obamacare Indiana Enrollment Period – The enrollment for Obamacare Indiana is the same as in the rest of the country. The 2016 open enrollment lasted from November 1, 2015 to January 31, 2016. The next open enrollment will not begin until next November. Some may qualify for special enrollment. For example, those who got married, had a child, or moved to the state could be eligible for a special 60-day period (starting on the day of the event) during which they can enroll.
Getting health insurance in Indiana is no longer a choice. You are required to have coverage, so it is a good idea to start looking at the options available to you so you can sign up during open enrollment.
Obamacare Indiana FAQ
For residents in Obamacare Indiana who are still without health insurance coverage, it is time to start learning more about Obamacare so they can enroll during special enrollment, if they qualify, or during the next open enrollment period at the end of the year. Many people are still confused over some aspects of the new system, and they have a number of questions when it comes to getting coverage and the tiers of plans that are available. Over the course of this article, we’ll be covering many of the most commonly asked questions regarding Obamacare, so you can get a better idea of how it will affect you.
Is Coverage Using Obamacare Indiana Necessary? – Unless you have Medicaid, coverage through your employer, or private insurance, you need to go through the exchange to get health coverage that will satisfy the requirement for the new laws. If you do not have coverage, then you will have to pay a fine. The current fines are $695 for adults (or 2.5% of their income) and $347.50 for children without coverage. This is a steep fee that you can avoid with coverage.
What If You Have a Preexisting Condition? – One of the biggest benefits of Obamacare is the fact that you are guaranteed to find coverage. The insurance companies are no longer allowed to withhold coverage even if you have a preexisting condition. They can’t charge you more for coverage because of a condition that you have or that you develop, and they can’t charge differently based on gender either.
What Types of Plans Are Available? – There are a number of providers offering different types of plans in the state. The plans fall into different tiered categories – bronze, silver, gold, and platinum. The bronze plans have the lowest monthly premiums, but the highest out of pocket costs. At the other end of the scale are the platinum plans. They pay for 90% of the out of pocket costs, but they have the highest monthly premiums.
What Are Essential Benefits? – No matter what tier of plan you choose, you are guaranteed to have all of the “essential benefits”. This is true no matter the provider you choose. The benefits included are ambulatory patient services, treatments in the hospital, emergency services, pediatric care, lab services, maternity and newborn care, mental health services and addiction treatment, prescription drugs, rehab services and devices, and preventative services.
How Do You Pay for Coverage? – One of the other big questions that people in Indiana ask is how to pay for Obamacare. Adding this expense in with all of their other life expenses is not always easy. Fortunately, you may qualify for tax credits. When you fill out your application, you will find out how much you are able to get in tax subsidies, and then you can figure out how you want to use them. You can have them applied at the end of the year to your taxes so you pay less, or you can have them applied immediately to help reduce your monthly premiums.
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