HIP POWER Account

POWER Account stands for “Personal Wellness and Responsibility” Account
The POWER Account is designed to provide incentives for members to stay healthy and use services in a cost-efficient manner.

Every Healthy Indiana Plan member gets a POWER Account, which is set up with $2,500 in his or her name. This is called your POWER Account. If you are required to make a payment, your payments go towards the $2,500, and the State pays the remaining amount.

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.

Show your POWER Account Visa® Prepaid Card every time you get care
You must show this card every time you see a provider. It is your insurance ID card, and providers can use it similar to a debit card to pay for covered services at the time of service. However, covered services are still paid for by MHS, even after all the money in your POWER Account has been used.

Need a new card? Send us a message

How can I make a payment so I don’t lose coverage?

Online Payments
Use your credit or debit card or bank account number to make a payment online. Online payment options also include bank account deduction or automatic payment.

Cash / In Person Payments with MoneyGram
Pay your POWER Account Contribution at a MoneyGram Location.

  1. Find MoneyGram locations – more than 40,000 US agent locations inside retailers like CVS/pharmacy, Advance America, Walmart and thousands more!
  2. Bring these items with you:
    • Your POWER Account Invoice
    • Your Member ID (found on your invoice)
    • Cash or PIN debit card also accepted at Walmart
    • Receive Code: 15200
  3. Complete the MoneyGram ExpressPayment® blue form, use the red MoneyGram phone, or use the MoneyGram kiosk to complete your transaction. It usually takes just minutes.

Payment processes may vary depending on your location. Just ask an associate for help. Find a MoneyGram location at MoneyGram.com/billpaylocations or call 1-800-926-9400.

US Mail
Include check or money order or fill out the attached coupon with your credit or debit card information and mail it to:
Managed Health Services
Member Mailstop 16253487
PO Box 660160
Dallas, TX 75266-0160

Please include payment voucher from the bottom of your invoice with lockbox payment submission.

Payment by Phone
Pay over the phone with a credit or debit card by calling MHS Member Services at 1-877-647-4848 Monday through Friday from 8 a.m. to 8 p.m.

Automatic Bank Deduction
Complete and send MHS the ‘Authorization Agreement for Electronic Funds’ (EFT) form included with your invoice. Note: It may take multiple billing cycles after you mail in the completed form before the amount is automatically deducted from your account.

Payroll Deductions
Discuss this option directly with your employer. Have your employer complete and send MHS the ‘Employer Payroll Deduction Authorization’ form included with your invoice.

Employer, Non-profit or Other Non-Member Payer
Employers, non-profits and other non-members can make some or all of your POWER Account contribution. Anyone paying on your behalf needs to complete the ‘Employer, Non-Profit or Non-Member Payer’ form included with your invoice. If your employer pays some of your POWER account contribution, and you think the employer has not paid MHS, please contact your employer. You are responsible for the entire amount due, including any amount that your employer may fail to pay. You may be given extra time to pay if your employer failed to make their payment. Contact MHS Member Services if this happens.

Family Payments
Do you have more than one family member in your household responsible for a payment? You can pay MHS using one payment method. Include all family members’ HIP identification numbers (found on your POWER Account invoice or your POWER Account Visa Prepaid Member ID Card) with the payments.

Possible Problems
Some kinds of payment methods may not show in your account right away. If you get a bill from MHS after you already made your monthly payment, please call MHS Member Services at 1-877-647-4848 to make sure your payment has gone through. If you set up automatic payments, check to be sure the first automatic payment will start before you stop making one-time payments. MHS will notify you if your payment cannot be processed so you can find another way to pay or help fix the problem. However, MHS has the right to charge a standard fee of $25 for returned checks or other non-sufficient fund rejections.

Requesting a Change in Payment Amount

You have a right to have the payment amount reviewed if you have a qualifying event. A “qualifying event” is a job loss or other change in income. You can request a change in the payment amount due to a qualifying event once every benefit period. You can also request a change in the payment amount at any time if there is a change in your family size such as a new baby, a marriage, or a divorce in the family. The “Report of Change 44151/FI 2420″ form is available to print from the FSSA website.

Get Rewarded for Staying Healthy: Rollover

If you do not use all of the $2,500 in your POWER Account…

    • AND you get at least one of the preventive care services in the following list* before the end of the benefit year
    • AND, you are eligible for, and re-enroll for another year of Healthy Indiana Plan,
    • Then, the leftover amount in your POWER Account will “rollover” to your next benefit year’s POWER Account funds. This can lower your monthly contribution payment.

*Some of the preventive services that will qualify you to double your rollover amount:

SERVICE            APPLICABLE APPLICATION
Annual Physical All
Blood Glucose Screen All, disease-specific
Tetanus-Diptheria Screen All
Cholesterol Testing Males over age 35; females over age 45
Mammogram Females over age 50
Pap Smear Females between 21-50 years of age
Annual Eye Checkup All members with vision coverage
Annual Dental Checkup All members with dental coverage


Check with your doctor about specific recommendations based on your age and medical history. 

Healthcare Costs
View our list of Healthcare Costs on the member brochures page to see how much a healthcare check-up normally costs. This can help you balance your POWER account budget.

This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC. Card cannot be used everywhere Visa debit cards are accepted. See Cardholder Agreement for complete usage restrictions.