King's Daughters' Health is a participant in the Healthy Indiana Plan (HIP 2.0), a health insurance program from the state of Indiana that pays for medical expenses and provides incentives for members to be more health conscious. HIP 2.0 provides coverage for qualified low-income Hoosiers who are interested in participating in a low-cost, consumer-driven healthcare program.
Open enrollment for 2017 is now underway. If you do not have health insurance coverage through the Marketplace, your employer (including government positions) or Medicare, you could face a penalty again in 2017. Call us today to schedule an appointment. We can help you through the process and determine if you qualify for HIP 2.0 coverage.
How to apply
We encourage you to talk with one of our personal representatives at King's Daughters' Health (listed below). Applications are also available online at hip.in.gov or by calling 877.GET.HIP.9 (877.438.4479). An application can also be mailed to you.
The following information comes directly from the State of Indiana Family and Social Services Administration information. You may access this same information at hip.in.gov or by calling 1.877.GET.HIP.9 (877.438.4479). Information is also available at your local Division of Family Resources (DFR) office.
Who is eligible?
Indiana residents ages 19 to 64 with annual incomes of up to $16,443 for an individual, $22,251 for a couple, or $33,868 for a family of four are generally eligible to participate in HIP 2.0.
Based on the 2015 federal poverty level.
There are two distinct levels of coverage in HIP 2.0: HIP Plus and HIP Basic. Each covers medical expenses such as doctor visits, hospital care, therapies, medications, prescriptions and medical equipment. HIP Plus offers members the best value and, unlike HIP Basic, also covers vision and dental care.
How does the POWER Account work?
In the HIP program, the first $2,500 of covered medical expenses is paid for out of a special savings account called a Personal Wellness and Responsibility (POWER) Account. The state will pay most of the expenses, but members are also required to make a small contribution each month. These POWER Account contributions can be made by a member's employer or a not-for-profit organization. HIP members get to choose a health plan that will manage and track the POWER account and collect the member's portion each month.
What are the contribution amounts?
Monthly POWER Account contributions are determined by income and will be approximately 2 percent of a family income. An estimate of your monthly contribution account can be found online at hip.in.gov.
Why is it important to make POWER Account contributions?
POWER Account contributions are a key part of the Healthy Indiana Plan. Members who make contributions on time each month participate in HIP Plus, in which they have better benefits and predictable costs. Members with certain income levels who choose not to make their POWER Account contributions will be removed from the program and not be allowed to re-enroll for six months.
Note: This re-enrollment lockout will not apply if the member is medically frail, residing in a domestic violence shelter or living in a state-declared disaster area.
If your income is below the poverty level and you fail to contribute to your POWER Account, you will be enrolled in the HIP Basic, in which members are required to make co-payments. Co-payments are required each time members visit a doctor or hospital other than for preventive care, family planning services or a true emergency. Co-payments may range from $4 to $25 per visit. Unlike POWER Account contributions, which belong to members and could be returned if the member leaves a program early, co-pays cannot be returned to the member.