HIP Costs & Payments
Due to COVID-19, the state has stopped the collection of POWER Account contributions. During this period, you will not receive a POWER account statement or invoice. Additionally, copayments will not be required for any service.
What do I need to do?
Nothing. You do not have to make payments right now. We will let you know when you need to make payments again. You will have 60 days to make your first payment once you receive an invoice.
If you are a HIP Plus or HIP State Plan Plus member, you will pay a POWER Account Contribution (PAC) each month. The amount you pay for your PAC varies by person. You can learn more about the payment tiers in the member handbook. You need to pay your monthly PAC on time to keep your benefits. If you do not, you may have reduced benefits. You can also prepay on your POWER Account. Learn more about POWER Accounts here.
POWER Account Contribution (PAC)
If you are a HIP Plus or HIP State Plan Plus member, you will pay a POWER Account Contribution (PAC) each month. The amount you pay for your PAC varies by person. You may pay $1, $5, $10, $15 or $20 per member per month. You can learn more in the table below. You pay based on income and family size based on the Federal Poverty Level (FPL).
PAC Tier Table
| Tier Name | FPL* | Monthly PAC Single Individual | Monthly PAC Spouses (each) | PAC with Tobacco Surcharge (see below) | Spouse PAC when one has Tobacco Surcharge | Spouse PAC when both have Tobacco Surcharge (each) |
|---|---|---|---|---|---|---|
| Tier 1 | 22% | $1 | $1 | $1.50 | $1. & $1.50 | $1.50 |
| Tier 2 | 23-50% | $5 | $2.50 | $7.50 | $2.50 & $3.75 | $3.75 |
| Tier 3 | 51-75% | $10 | $5 | $15 | $5. & $7.50 | $7.50 |
| Tier 4 | 76-100% | $15 | $7.50 | $22.50 | $7.50 & $11.25 | $11.25 |
| Tier 5 | 101-138% | $20 | $10 | $30 | $10 & $15 | $15 |
* Federal Poverty Level (FPL). The FPL is updated every year in late January. You can see the full FPL chart at www.secure.in.gov/fssa/hip/2460.htm.
Reporting a Change: You must tell the state about any changes in household income and address. You must let the Division of Family Resources (DFR) know. You can call DFR at 1-800-403-0864 or go to https://fssabenefits.in.gov/benefitsportal/app/portalhome#/.
How to Pay your PAC:
- Pay Online: Pay by credit card, debit card or bank transfer. You will need to log in to your My CareSource® account to pay your bill. If you do not have a My CareSource account, you will need to create one to pay online. This is a free service to you. (Note: Conditionally eligible, presumptive eligible and Fast Track members cannot make their first payment online). You can also set up your payments on My CareSource to happen each month through auto pay. It’s secure, easy and hassle free.
- Pay by Phone: This is a free service. Call 1-844-607-2829 (TTY: 1-800-743-3333 or 711). Use a credit card, debit card or bank transfer.
- Pay by Mail: You can send a check, cash or money order to CareSource, P.O. Box 6065, Indianapolis, IN 46206-6065. Make checks or money orders payable to CareSource. Include your member ID (MID) number on the check. Also include the payment coupon from your monthly invoice. This will help us make sure your payment goes to your account.
- Pay by Payroll Deduction: Check if this is offered by your employer. You can use this form to set up payroll deduction for your POWER Account Contribution.
- Pay in Person: You can pay by cash at a check-free pay location. This includes stores like CVS®, Dollar General®, Family Dollar®, Speedway® and Walmart®.
We will accept:
- Monthly payments for HIP Plus members
- A full year’s PAC for HIP Plus members
- Any payment amount in between monthly payments for HIP Plus members
Tips for Making Your HIP POWER Account Contribution
- Make your contribution as early as you can each month. This lets us process your payment on time. If we don’t have your payment, you may be past due. Your benefits could be at risk.
- Phone and online payments take three business days (72 hours).
- Payments made by mail take seven to 10 business days to process.
- If you fall behind in your payments, pay the full amount due to make sure you keep your coverage and benefits. When your PAC is past due, you will get 7 and 45 day reminders. They will tell you the total amount due.
What happens if I miss my PAC payments?
Use this table to learn about how missing PAC payments can impact your coverage.
| HIP Earning Levels | If You Don’t Pay Your PAC On Time |
|---|---|
| HIP Plus members earning less than Federal Poverty Level (FPL) (100% and below FPL) | HIP Plus members earning less than the FPL and who stop making monthly PAC You will be moved to HIP Basic*. |
| HIP Plus Members earning more than FPL (above 100% FPL) | HIP Plus members earning more than the FPL who stop making their monthly PAC will lose their coverage. |
| HIP State Plan Plus members earning Less than FPL (100% and below FPL) | HIP State Plan Plus members earning less than the FPL and who stop making monthly PAC will be moved to HIP State Plan Basic. |
| HIP State Plan Plus Members earning more than FPL (above 100% FPL) | Medically frail HIP State Plan Plus members earning above the FPL and who stop making monthly PAC will keep coverage, but will need to make copays and will be billed for their monthly PAC contribution. This is called HIP State Plan Plus Copays. |
*HIP Basic does not have standard vision, dental or chiropractic services.
You will also need to pay copays for most health services. If you have questions about paying for and using your POWER Account, please call us at 1-844-607-2829 (TTY: 1-800-743-3333 or 711).
Learn more about the Tobacco Use Surcharge.
Member Services: 1-844-607-2829 (TTY: 1-844-743-3333 or 711), Monday through Friday, 8 a.m. to 8 p.m. Eastern Time.