The open enrollment deadline is this Friday, a full two weeks sooner than last year. If you haven't signed up for a health plan for Jan. 1 coverage, it's time to put your game face on. Our team is here to arm you with the knowledge and tools you need to make a smart decision without the hassle.
For this coming year, Indiana is losing two insurers participating in the marketplace exchange: MDWise and Anthem. While it does significantly cut down on options during open enrollment, all hope is not lost! Here's what to know to make a smart decision FAST.
Anthem will only provide one off-exchange catastrophic care plan for 2018. They will be increasing their rates on this plan by 48.3%. As an FYI, by providing this minimum coverage, they will be allowed to return as early as next year in full force, if they so choose. If you’re in love with your current Anthem plan, don’t give up hope yet! Hopefully they will have more options in Indiana for the future.
Faith-based Medi-Share has a state-wide PPO network available in 2018 managed by PHCS (Private Healthcare Systems, now owned by Multiplan). It’s smaller than some of the PPO networks in the past, but it does provide flexibility to see your doctors and will cover out-of-network expenses as long as it meets Medi-Share’s faith-based guidelines. Medi-Share won’t be for everyone, but is a worthy option to consider if it fits your personal convictions and lifestyle. Make sure to check out our Medi-Share review and compare it to other major medical plans on our website before you enroll.
Caresource and Ambetter/Celtic will remain insurers in Indiana and their proposed rate percentage increases are minimal, especially compared with a lot of other carrier’s increases.
Caresource is proposing to only increase their rates by 2.2%. Keep in mind that the rate increase is subject to change. They set this amount against the current ACA regulations. Depending on any changes that may happen, this could go up. We will keep you up to speed on any updates as they are published.
Their coverage includes the following counties for 2018: Adams, Allen, Bartholomew, Benton, Blackford, Boone, Brown, Carroll, Cass, Clay, Clinton, Crawford, Dearborn, Decatur, Delaware, Dubois, Elkhart, Fayette, Floyd, Fountain, Franklin, Gibson, Grant, Greene, Hamilton, Hancock, Hendricks, Henry, Howard, Huntington, Jackson, Jasper, Jay, Jefferson, Jennings, Johnson, LaGrange, LaPorte, Lawrence, Madison, Marion, Marshall, Martin, Miami, Monroe, Montgomery, Morgan, Newton, Noble, Ohio, Orange, Owen, Parke, Perry, Pike, Putnam, Randolph, Ripley, Rush, Scott, Shelby, Spencer, St. Joseph, Starke, Steuben, Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vermillion, Vigo, Wabash, Warren, Washington, Wayne, Wells, White, and Whitley.
Last year, Ambetter had the lowest premiums of any of the four carriers. This year, Ambetter/Celtic has proposed a 24% increase in rate. Celtic’s parent insurer, Centene, agreed to expand their coverage area in Indiana for 2018. They will now offer coverage in 49 of the 92 counties, which is great news!
Take Command Health is here to help
Hunting down and comparing all of these options can feel overwhelming. However, at TakeCommandHealth.com we help you compare all of your options side-by-side including off-exchange plans, marketplace plans, and faith-based options. You can use our award-winning tools to search for your doctors, check your prescriptions, and even simulate conditions and health needs to make sure you get the most of for your money. A few other updates we'd like to tell you about:
- We've expanded the capabilities of our doctor search tool to search doctor networks from all of the plans above (no matter if the plan is off-exchange, on the marketplace, or faith-based).
- We've negotiated some pretty awesome deals for our members. Call a doctor 24/7 for $0, medical bill negotiation support, dental, vision, and pharmacy discounts, etc. These really help save money with some of the higher deductible plans.
- We've put together a bigger support team ready to help you tackle any issue. You can get started by chatting with us on our website or emailing us at email@example.com.
Our goal is to help you get the most out of your money and find the plan that really works for you and your family. Remember you have until this coming Friday, Dec 15th, to select a plan that starts Jan 1st, 2018.