Best Health Insurance Agencies in Carmel, IN

Carmel, IN Health Insurance FAQs

• Can you be denied health insurance in Carmel due to your age?

  In Carmel, health insurance providers are not permitted to refuse you coverage for an ACA plan due to your age. This protection is due to the regulations set forth by the Affordable Care Act. This provision mandates that health insurance providers offer coverage to individuals of all ages without age-related discrimination or limitations.

• Can you purchase short-term health insurance plans in Carmel?

  Yes, you can purchase short-term health insurance plans in Carmel. These short-term health insurance policies can be renewed for up to 364 days or less. However, these plans are not mandated to include all ten essential benefits stipulated by the Affordable Care Act. Additionally, individuals with pre-existing medical conditions may encounter the possibility of being denied coverage.

• Can you have both Medicare and Medicaid coverage in Carmel?

  Yes, it is possible for individuals in Carmel to have both Medicare and Medicaid coverage through Dual Eligible Special Needs Plans. These plans are tailored to offer coordinated care and extra benefits to those who qualify for both programs. D-SNP-eligible individuals can decide to enroll in a D-SNP health plan during the annual Medicare enrollment period or special enrollment periods.

• Who qualifies for the Children's Health Insurance Program in Carmel?

  The Children's Health Insurance Program in Carmel is designed for children up to age 19 from families with slightly higher incomes. Under CHIP, enrollees pay a modest monthly premium for coverage and copayments for specific services. This program is a part of the Hoosier Healthwise program, which covers medical care such as doctor visits, prescription medicine, mental health care, dental care, hospitalizations, and surgeries at minimal or no cost.

• Do health insurance plans in Carmel cover ambulance rides?

  Health insurance plans in Carmel typically offer coverage for ambulance services, primarily for medically necessary transports. However, non-emergency ambulance rides may not be covered, and the extent of coverage varies among health plans. Contact your insurance provider and check the specific ambulance service policies, especially for non-emergency situations.