Healthy Indiana Plan (HIP)
HIP Plus is the preferred plan for all HIP members
HIP Plus provides the best value coverage and includes vision and dental services. HIP Plus provides health coverage for a low, predictable monthly cost. Members pay affordable monthly contributions, and the only other cost for health care in HIP Plus is a payment of $8 or $25 if you visit the emergency room when you don’t have an emergency health condition. HIP Plus can be cheaper because you do not pay any other costs or copayments when you visit the doctor, fill a prescription or go to the hospital.
HIP Plus provides MORE benefits including vision and dental services. HIP Plus gives more visits for physical, speech and occupational therapists than the HIP Basic program, and coverage for additional services like bariatric surgery and Temporomandibular Joint Disorders (TMJ) treatments are included. With HIP Plus you can get 90 day refills on prescriptions you take every day and can receive medication by mail order. HIP Plus can be cheaper because members do NOT have to make payments when they visit the doctor, fill a prescription or go to the hospital like they do in HIP Basic.
HIP Basic can be much more expensive than HIP Plus
HIP members who do not pay their monthly POWER account contribution are disenrolled from HIP Plus. Those with incomes of $973 or less per month for an individual, or $1988 or less per month for a family of four will receive HIP Basic benefits. HIP Basic benefits provide coverage for all required services but are more limited and do not provide vision or dental coverage along with some other benefits. In HIP Basic, you have to make a payment every time you receive a health care service, such as going to the doctor, filling a prescription and staying in the hospital. These payments may range from $4 to $8 per doctor visit or prescription filled and may be as high as $75 per hospital stay.
- Copays for services except preventive care and family planning (ranging from $4 to $8 per doctor visit or prescription filled and as high as $75 per hospital stay )
- NO dental or vision coverage option
How can I make a payment so I don’t lose HIP Plus coverage?
MHS gives you many easy ways to make your payments:
- By mail – cash, check, or money order
- MHS website – debit / credit
- Over the phone – electronic funds transfer, or debit / credit
- Other – Western Union, or payroll deductions by your employer
Please make sure you pay your account in full before the 1st of each month.
In the HIP program, the first $2,500 of medical expenses for covered services are paid with a special savings account called a Personal Wellness and Responsibility (POWER) account. The state will contribute most of the amount, but you will also be responsible for making a small contribution to your account each month. The amount of your contribution amount is based on your income. When you pay your monthly POWER account contribution, it is deposited into your POWER account. The money in this account will pay for the first $2,500 in covered health care you receive. You will receive monthly statements that show you how much money you have remaining in your POWER account.
If you manage your health and your POWER account wisely, you may have money left in your account after 12 months that can be used to LOWER your contributions for the next year of coverage. Every 12 months, you will get a new $2,500 POWER account to pay for HIP covered medical expenses. If you have money left after 12 months, your cost to continue in HIP may be reduced by rolling over the leftover funds. If you obtain recommended preventive care services, you will be eligible for additional rollover funds from the state as well.
How to Apply
If your monthly or annual income levels fall within the guidelines up to 138% Federal Poverty Level (FPL) outlined below, you may qualify for HIP 2.0.
To start your application, call HIP at 1-877-GET-HIP9 (1-877-438-4479)
Or, visit www.HIP.IN.gov/fssa