Healthy Indiana Plan

Healthy Indiana Plan

If you live in Indiana and do not have access to health insurance from your employer, there is hope in finding an affordable health insurance plan. In January 2008, the state of Indiana began accepting applications for the Healthy Indiana Plan (HIP). The plan was approved by the Federal government through a waiver to reallocate Medicaid dollars to include more individuals.

Under the plan, individuals who are uninsured can apply for health insurance in accordance with the waiver. The plan serves the very poor and low-income population. In order to qualify for coverage, the individual must not have received health insurance for more than six months; does not qualify for Medicaid or Medicare; is between ages 19 and 64; and is a legal U.S. citizen. The candidate/family must also meet the following maximum yearly income criteria: one person - $21,660; family of two - $29,140; family of three - $36,620; family of four - $44,100 and for a family of five - $51,580.

Healthcare coverage has become more accessible and it is important that everyone who qualifies should become informed in order to get the chance to receive the benefits. With this unique health insurance plan, Indiana was the first state in the nation to offer this sort of amendment to Medicaid and is able to do so through a high deductible plan that can work out for even a tight budget. The deductible for the plan is $1,100 and offers coverage for up to $300,000 a year.

The plan will cover approved applicants for the following services: prescriptions, physician services, inpatient and outpatient hospital visits, diagnostic exams, home health care, hospice, family planning, preventive care, case and disease management, and mental health services, including substance abuse treatment, inpatient and outpatient care and prescriptions.

The plan does not cover dental, vision or maternity services. There may be a monthly fee, based on one's income, to cover costs of the plan. The fee is a sliding scale and usually would end up to be 2 – 5% of one's total monthly income.

To apply for HIP, Indiana residents can visit www.in.gov/hssa/hip to download an application in English or Spanish. Or, for more information or to check on status of your application, call 1.877.GET.HIP9 (438.4479). The state of Indiana cautions you of potential fraudulent HIP personnel contacting you, and does not, under any circumstance, ask for checking account or credit card information. Do not give this information to anyone over the phone who may call claiming to represent HIP. If you suspect a scam, you can visit www.indianaconsumer.com or call 1.800.382.5516 to report suspicious activity.

Other Category Insurance: Can betting be insured?

You will see that betting companies are always on the lookout for different ways to woo their customers. Providing betting insurance is one such way of rewarding loyal customers. Any customer should be able to insure his bet in part or in full. When placing bets in Indiana, you must first search for Indiana sports betting sites on basketballinsiders.com and select a site to register.

Insurance is paid-for service and its costs depend on the odds of the sports event that must be insured. Insurance can be purchased for accumulator or single bets. You may not use insurance for any other betting types. When you lose, the insured part gets refunded. For the same bet, a customer can buy several insurances. But the total amount may not exceed 100% of your stake. So, an insurance bet refers to what you will get in case your selection fails to perform as expected. But the number of places that will be paid out to a bettor through insurance can vary. When insurance bet covers the bettor till second place, he gets refunded when the horse finished second, for instance.

Bookies offer betting insurance to get more customers. They are smart enough to offer insurance only in those situations that are most likely not going to happen. This means the chance that they will need to pay out will be very rare. For a bettor, it makes sense to buy insurance only from reputed betting companies when you are serious and confident about your predictions.