In an effort to combat the number of uninsured residents, the state of Indiana created medical assistance programs to make sure as many people as possible could have access to some form of medical care. Assistance programs for health care in Indiana include programs designed to specifically cover seniors, the disabled, the blind, children and low-income individuals. Indiana is committed to offering residents access to quality health care, regardless of their ability to pay. The state also extends temporary services to those who need emergency medical assistance. In Indiana, the Family and Social Services Administration is responsible for administering programs for health care (and other services) to Hoosiers in need. Indiana is dedicated to health care accessibility for residents with limited financial resources. Some of the most accessed programs listed below are Medicaid, Hoosier Healthwise, and the Healthy Indiana Plan. HoosierRX, the Medicare Savings Program and the Hoosier Care Connect programs offer residents additional medical support.
Indiana Hoosier Healthwise Program
The Indiana Hoosier Healthwise program aims to provide health care to women who are pregnant, families with low incomes and children up to 19 years of age for little to no cost. Some of the services included in the Hoosier Healthwise program are regular checkups, care for illnesses, prescriptions, vision, dental, mental health and even family planning.
Eligibility for the program is determined by age, residency and health insurance. At a basic level, all applicants should be United States citizens or legal residents. An applicant must be a resident of Indiana, younger than 19 years of age or be providing care for a child who is younger than 19. Additionally, an applicant cannot already be covered by another health insurance program.
Indiana Medicaid Program
The Medicaid program was created to provide medical benefits for low-income individuals who cannot afford Indiana medical insurance under regular circumstances. The program is regulated by the federal government, however specific eligibility requirements are set forth by each state.
In the state of Indiana, an applicant should pass all residency and citizenship requirements. Another important eligibility requirement is income. To qualify, a household cannot exceed the maximum income level per household size. For example, a household of four cannot exceed a yearly income level of roughly $32,319. The maximum yearly income level is subject to change, so always be sure the estimates you access for income are current. The last category of eligibility requirements addresses household members. A household that is applying for Medicaid should either provide care for children younger than 19 years of age, be pregnant, have a disability, have a family member with disability in the household or be 65 years of age or older.
Healthy Indiana Plan (HIP)
The Healthy Indiana Plan (HIP) is health care offered to adults. HIP will pay medical costs for members and in some cases, will also provide dental and vision insurance. HIP works with the Indiana Hoosier Healthwise plan and will cover members who meet certain income criteria.
There are various HIP plans available, such as HIP Basic, HIP Plus and HIP Employer Link. HIP basic is offered to members whose household income is at or below 100 percent of the federal poverty level. This plan does not include vision or dental insurance, and members will have to make copayments for every healthcare service. However, payments are still cheaper than regularly priced plans.
HIP Plus is the plan that is most often utilized by the HIP program. This plan is considered the best value since it includes comprehensive benefits for qualifying Indiana residents, like dental and vision insurance. There are monthly POWER account payments that must be made, but these payments are tailored to each beneficiary’s household income. This plan does not require beneficiaries to make copayments for medical services, unless the emergency room is used when no emergency is present.
The HIP Employer Link plan is offered to members who work in a company that offers a health plan through the employer. This plan will have POWER account payments, but those payments can be used to pay any insurance premiums or out of pocket expenses not included in the employer’s plan. However, keep in mind that this only works if an employer agrees to participate in the HIP Employer Link.
Indiana Temporary Cash Assistance for Needy Families (TANF)
TANF is a multi-benefit program designed to provide assistance to welfare recipients in order to find long term jobs for financial independence. This program will provide a variety of services for families with young children. Recipients of TANF will have benefits such as child care services, medical assistance for dependents, aid for food and heating, and transportation services.
Eligibility for this program requires all applicants to be younger than 19 or be the caretaker of a child who is younger than 19. Women who are pregnant will also be considered for this program. All applicants must pass United States citizenship and be a resident of the state of Indiana. Additionally, applicants should either have low-income or very low-income, and be unemployed, under-employed or risk impending unemployment.