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How to get health insurance if self-employed in Indiana?
In: Health Insurance
3 Apr 2010My wife & I are moving to Indiana in August. Our first child will be born in Sept. We’re self-employed, and I’ll be a grad student. Our COBRA coverage ends October 1st. Can anyone recommend someone we can contact for details on a health insurance that’s affordable and provides good coverage?
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9 Responses to How to get health insurance if self-employed in Indiana?
lorijotx
April 3rd, 2010 at 4:28 pm
Check into AFLAC, they do small businessself employed. My step dad is a trucker and he has it.
http://www.aflac.com/us/en/Default.aspx
Congrats on the baby!
Zarnev
April 3rd, 2010 at 5:17 pm
You should contact a local agent that works with all the major companies in Indiana. The agent can find the best plan for your situation and budget. Be aware that many individual plans will not accept a newborn until they’re up to 2 months old. Also, some plans have a higher premium for children under 2 years while other plans don’t. The agent can direct you on which plans are available and when. There is no extra charge using an agent.
There are plans that specifically target the self-employed with a “group” plan. This is just a marketing gimmick and many of those plans are not major medical.
mbrcatz17
April 3rd, 2010 at 5:18 pm
You talk to a local, independent agent. They’ll know who’s competitive in your area, and will help you balance premium with deductible to get it affordable.
Insurance Pickle.com
April 3rd, 2010 at 6:14 pm
First, congrats on the move and baby. Second, AFLAC doesn’t sell health insurance at all.
You want a health insurance broker that does business in IN. There’s a lot of good options there too. Zamev is on target and to complete his thought, the company he’s referring to is horrid.
Also, as an FYI whether you work for an employer that has no coverage or expensive coverage OR if you’re self-employed the plans are no different. In other words what you do for a living has no bearing on health insurance….except that some companies won’t cover you if you’re unemployed.
Jeff
HealthQuote360.com
April 3rd, 2010 at 6:27 pm
Your best bet is to work with an Indiana licensed independent health insurance agent.
Make sure that the agent can work with many different companies.
Be sure and compare quotes from at least 3 different reputable companies like United Healthcare, Aetna, Humana, Blue Cross, etc.
Here is some more information on finding health insurance if you are self employed and also some information specifically on Indiana health insurance:
dave
April 3rd, 2010 at 6:40 pm
Brian,
It’s exciting to be starting up a new family, and daunting to deal with getting everyone insured.
There’s a very good article at eHow that discusses how to get health insurance for you and your family when you don’t have a job that covers you:
http://www.ehow.com/how_2367563_keep-health-insurance-lose-job.html
How to Get Health Insurance
Take a look at it, as it covers all the major possibilities for getting insurance, and gives some great resources you can use.
All the best.
ehealthinc
April 3rd, 2010 at 7:19 pm
There are a couple things you’re going to want to consider in this case. First, are you sure you have no option to extend COBRA coverage a little longer? If not for yourself, then perhaps for your wife or the new baby? What happens, for example, if the baby is a few weeks late and doesn’t arrive before the October 1st date? Under certain circumstances you may be able to extend COBRA coverage, so you may want to check with your COBRA administrator about that.
You should also be aware of your options under HIPAA, which is a Federal law intended to help people preserve coverage in specific circumstances. Health insurance companies are typically required to provide HIPAA plans to people who meet certain criteria. If you meet those criteria, you can’t be turned down for HIPAA coverage. This may be something worth considering for your new baby (at least for a little while) or for your wife if there are any complications involved with her labor, or if either of you have pre-existing medical conditions.
That said, once you have checked into your COBRA extension options, the first thing you should do is talk with a licensed agent who knows the market in your area. Since there are some tight time-frames here and some very specific needs, an agent who represents multiple insurance carriers can provide special help. An agent can give you more information about HIPAA plans, too. Working through a licensed agent will not increase your health insurance costs in any way.
You may also want to take a look online for yourself and see what’s available in your area. For example, you can visit eHealthInsurance.com, where I work, to get quotes from a range of companies in Indiana, compare plans, and even apply for coverage online, when the time comes. You can also talk with one of our licensed agents by phone at 1-800-977-8860.
Best of luck, and congratulations on your impending parenthood!
Amir M, licensed agent
Cris P
April 3rd, 2010 at 8:07 pm
Try this one – http://healthplans.my-age.net – I personally have their health insurance. It is affordable and has good coverage.
dwp_ins@verizon.net
April 3rd, 2010 at 8:16 pm
There’s a site at http://mysite.verizon.net/ressg6c7/savingmoneyoninsurance/id20.html .
I like this site because they provide you access to many free quoting services, which is important if you are looking for the best rate and good coverage.
Also they offer a link that will help you understand the different terms associated with health insurance, plus a link to check out the company’s financial rating.