HIP Plus vs HIP Basic

Healthy Indiana Plan (HIP) Plus gives you the best value coverage. You have more benefits with HIP Plus than with HIP Basic.

HIP Plus covers:

• ✓ Vision
• ✓ Dental
• ✓ Chiropractic services,
• ✓ Bariatric surgery
• ✓ Temporomandibular Joint Disorders (TMJ).
• ✓ More visits to physical, speech and occupational therapists

You pay low cost monthly contributions based on income. These payments are dollars you can spend of future health care costs. You do not pay any other costs unless you visit the emergency room when you don’t have an emergent health condition.

In most cases your monthly payment is less than the amount you would pay for copays on the HIP Basic plan.

You Start with HIP Plus

You will get an invoice from us after you apply. The invoice is for your POWER Account Contribution (PAC). Your HIP Plus benefits begin on the first of the month you pay the invoice. For example, if you pay in January, your benefits begin in January.

Note: Most of the time HIP coverage starts the first day of the month when payment is made unless you are already enrolled for other coverage.

HIP Basic

What happens if you do not pay your PAC within 60 days of qualifying for HIP benefits?

Review these HIP Basic limits and see the chart below to see how this could impact you.

Some other facts about HIP Basic:

• HIP Basic benefits meet the minimum coverage rules. HIP Basic has less benefits than HIP Plus. It does not provide coverage for the HIP Plus benefits listed at the top of this page.
• You could end up paying more on HIP Basic if you have many doctor visits, prescriptions or hospital stays.
• You will pay copays for most health services, like going to the doctor, filling a prescription and staying in the hospital. Costs may range from $4 to $8 per doctor visit or prescription. Costs may be as high as $75 per hospital stay.