(Jan. 28, 2015) - The new Healthy Indiana Plan or Hip 2.0 was the program Regina Simmons had been waiting on. She wasn't eligible for medicaid and she didn't meet the income requirements for the Affordable Care Act.
"I can't go to the doctor and get a physical. If I have dental problems I have to go and pay that on my own," said the new HIP 2.0 participant.
So HIP 2.0 opened that door for people like Regina who didn't qualify for other insurance programs through the state or an employer. She joins more than 350,000 others who can now get insurance. But healthcare navigators recommend getting help to make sure you're picking the best plan for you and your family.
"I was not eligible because I didn't have children nor did I make enough money," said Regina.
Covering Kids and Families Director Pamela Humes wants people to consult trained navigators. One key question is the financial contribution into a power account or health savings account for people who are not disabled.
"Now I don't want people to get scared of that because the fee is minimal based on your income. You're not going to pay a
huge co-pay and huge deductibles," said Humes.
Her office is open daily and has special Wellness Wednesday hours to help the mid-week rush crowd looking for help. Their office at 2951 E. 38th St. welcomes walk-in clients and you can even call for help at 317-221-3178.
And for Hoosiers who signed up for the federal marketplace you will be contacted about moving to HIP 2.0 to avoid a penalty. But for consumers like Regina, there was no reason to delay after years of being without insurance.
"If I have a cold or a flu I can go see a doctor--that's the number one thing i'm looking forward to," said Simmons.
For a complete list of questions and answers check out the HIP 2.0 quick facts
You can also speak to representative via phone 1-877-GET-HIP-9 (1-877-438-4479).