A Guide to the Indiana Medicaid Plan

Applying for Indiana Medicaid

You may not know how to apply for IHCP if this is your first time setting up your own insurance.

Before reimbursing your medical expenses, you must fill out an Indiana Application for Health Coverage form and submit it to your local Division of Family Resources office. Here are three ways you can complete this step:

1. The fastest way to apply and receive a response is by filling out the online form and submitting it through the Health Insurance Marketplace.
2. You can print out the application and submit it in person to the Division of Family Resources. This option may be practical if you want to confirm that the office receives your information.
3. You can call 1-800-403-0864 to speak with a representative. They will help you submit your information over the phone and answer any questions you have about IHCP options.

You will need to include proof of your identity during the application process. Prepare to provide essential information, including:

• Your name and date of birth
• Your SSN
• Paystubs or documented evidence of your income
• Any existing benefits
• Tax information
• Qualifying disabilities

Suppose the state or your insurance provider does not accept your application. In this case, you may be able to appeal by contacting the Family and Social Services Administration (FSSA).

Eligibility Requirements

You may qualify for IHCP such as Hoosier Healthwise, Healthy Indiana Plan, or Hoosier Care Connect if:

You may not qualify for traditional Medicaid programs if your income is too high. Regardless, you can still apply to specialized coverage plans that provide services like end-of-life care, emergency healthcare, and family planning.

Getting an Indiana Medicaid Card

You will receive a copy of your insurance card after the state receives and accepts your application. You can apply online for the fastest turnaround rate.

Issuers like MHS typically provide your card within five days of your membership confirmation. These usually arrive by mail.

You may also be able to request a digital copy of your card and MID number by contacting the issuer. This method is useful if you lose your card and must print another.

Renewing or Replacing Your Indiana Medicaid Card

You might need to replace your Indiana Medicaid card if water stains, theft, and damage prevent your healthcare provider from reading the MID number. In this case, you can log in to your membership account and request a replacement online. New cards will typically arrive at your home within one to two weeks.

You must renew your Indiana Medicaid card once a year. Complete this task by revisiting the FSSA application portal and submitting your information.

You may need to update your address, income, or household information to qualify for renewal. Make sure your information is correct before the FSSA completes a redetermination assessment of your benefits. This way, you prevent unnecessary delays that may prevent you from accessing care when needed.

Indiana Medicaid Coverage

IHCP provides a wide range of coverage, depending on your needs. Currently, Indiana Medicaid offers two packages — A and C.

Package A includes Traditional Medicaid, Hoosier Healthwise, and Hoosier Care Connect plans. Package C is a Hoosier Healthwise plan that consists of some coverage limits.

Here are some of the benefits you can expect when becoming a member:

Dental

Enjoy full dental coverage — exams, preventive care, restoration services, etc. — under the Hoosier Healthwise, Hoosier Care Connect, and Traditional Medicaid package. However, you only have coverage for one exam and preventive care visit a year if you are 19 or older. For those who have more serious dental issues and anticipate requiring more visits to the dentists, investing in private dental plans in Indiana is advisable.

Prescription Drugs

Both packages provide financial coverage for prescription drugs and refills. You can expect co-pays averaging around $3 for these services.

Indiana Medicaid also offers reimbursement for some over-the-counter medication.

Explore the preferred drug list under the Hoosier Healthwise plan for a comprehensive look at qualifying prescriptions.

Extended Health Care

Indiana Medicaid provides coverage for many healthcare services if you are 65 or older. Some of these benefits include long-term nursing home care and adult foster care services. You can also access non-clinical services if you have a disability and live at home.

The FSSA divides these benefits into three categories:

• Institutional and Nursing
• Medicaid Waivers and Community Services
• Regular Medicaid for Seniors with physical impairments

You can expect an asset limit of $2,000 if you are single and $3,000 if you are married. Income limits on all plans are generally between $1,200 and $2,800.

Travel and Out-of-State Coverage

Out-of-state providers can participate in IHCP. Hence, you may be able to access coverage if you experience an emergency or illness outside of Indiana.

Don’t assume you have access to every resource. Each state has its own Medicaid policy, so certain exceptions apply.

You can contact the FSSA or your insurance provider if you aren’t sure about your healthcare options when traveling. If you are traveling outside of Illinois for leisure, invest in proper travelers insurance.

Students & Seniors

Indiana does not require you to have health insurance if you are a registered student. However, you can access benefits at little to no cost through IHCP. If you stay in the state for school, you will have the same benefits as adults when you enroll under these plans.

You can expect extensive healthcare coverage as a senior under some Indiana Medicaid programs. These benefits include in-house and community-assisted living care.

Coverage for Subgroups

State and federal laws omit some subgroups from paying standard insurance fees during enrollment. Review the following if they apply to you:

Indigenous Americans and Native Alaskans

You can apply to the Healthy Indiana Plan at no cost or contribution if you belong to a federally recognized Indigenous American tribe or are a native Alaskan. You can prove your identity by providing the following information upon registration:

• A tribe-issued document confirming your identity and relationship to the community
• An Indian Tribe enrollment card
• A Bureau of Indian Affairs-verified blood certificate
• A tribal census record

You can contact the FSSA if you have questions about your eligibility as an Indigenous American or native Alaskan.

Military

You may be eligible for IHCP if you are a current or former member of the U.S. Armed Forces, even if you already have coverage through the Military Health Services system or the TRICARE program.

Additionally, you can use both VA benefits and Indiana Medicaid benefits to pay for long-term care services. However, always consider IHCP eligibility requirements when seeking asset protection when applying for VA coverage. This method ensures that you can still apply for a Medicaid program later if you need it.