Tuesday, December 15, 2009

Lowincome Health Insurance In Indiana

Hoosier Healthwise offers several health packages for low-income Indianians.


Indiana offers the Hoosier Healthwise insurance plan to low-income individuals who qualify. The plan is offered at little to no cost to those enrolled in the program. Participants choose primary-care physicians who offer regular checkups, prenatal care, and treatment for illnesses. Hoosier Healthwise also offers dental care, vision care, family planning, mental-care services, and prescription assistance.


Program Details


Hoosier Healthwise is administered by the Indiana Family and Social Services Administration to help provide low-income working families with access to primary and preventive care services that are cost-effective. Every member of the program has a personal doctor, known as a primary medical physician (PMP), who works with participants to schedule checkups and treatments, and provide diagnoses and childhood vaccinations. PMPs allow participants to have all of their medical records in one location; as well as the ability to have medical concerns addressed 24 hours a day, seven days a week.


Eligibility


Low-income families must meet income requirements based on household size to be able to participate in Hoosier Healthwise. Children under 18 who live with eligible caretakers qualify for Package C, the free premium package. Children aged 18 to 20 who live with a caretaker who meets the financial requirements are eligible for Package A, but their caretaker is not eligible. Pregnant women who meet the financial requirements are eligible for Package A, and can qualify for Package B for pregnancy-related expenses.


Covered Benefits


Hoosier Healthwise offers various health services, depending on the package. Typical services for all packages include doctor visits, hospital care, checkups, child visits, clinical services, lab and x-ray services, mental-care services, substance-abuse services, medical supplies and equipment, vision care, therapies, and hospice care. Package C is limited in the services provided. Individuals seeking services not typically offered must obtain permission from their PMP before getting any other services.


Logistics


Families must choose a PMP from a list of doctors in their area within the first 30 days of enrollment in Hoosier Healthwise. Families who neglect to choose a PMP will have one automatically assigned to them. Members of Hoosier Healthwise will receive an enrollment card in the mail. Participants must bring the card with them to doctor visits and other services provided. The doctor's office will take care of the necessary paperwork unless otherwise mentioned.







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