Indiana Health Insurance
Talk with an Expert:1-877-210-2010

Indianapolis Insurance

Indianapolis insurance, available through Chambers Roper, now covers children on their parents’ insurance up to age 26. This is due to the Patient Protection and Affordable Care Act of 2010, or PPACA. PPACA is also known as health care reform and Obamacare.

This part of Indianapolis insurance was instituted in response to the large number of young adults who were uninsured. In the past, once a child left college, they were dropped from their parent’s health insurance. However, these same children usually don’t have health insurance because they haven’t been at their jobs long enough to qualify for insurance. In addition, the waiting period before they are eligible means they go for a period of months without insurance.

Many children are maintained on their parents’ insurance while they are in college. If not, they can participate in medical plans made available through their university. However, with PPACA, the child will stay on their parents’ insurance until age 26.

This even applies to children who have been on their own employers’ Indianapolis insurance for a while. If the child loses his job and/or insurance, they can go back on their parents’ coverage.

The Center for Disease Control and a research team from Mount Sinai have done studies to see if the legislation has made a difference in medical care for this age group. The findings are in, and apparently the new policies are improving health care among the 21 to 26 age groups. In short, those people with health insurance are far more likely to pursue medical help when they get sick, and less likely to avoid doctors’ services due to the expense.

The results of extended medical coverage through Indianapolis insurance are that people in the 21 to 26 age group are more likely to have a primary care physician and receive regular physicals. They also don’t have to go for months without medical treatment if they have a medical condition. Since children must be covered whether or not they have pre-existing conditions, it means that many more people are receiving medical care for conditions they have had since childhood, such as asthma and ADHD.

Some states have implemented their own application of these policies, including offspring up to age 29. They also limit the premiums in some states.

Parents who have individual insurance policies are also part of the PPACA ruling. This means that even if the insurance is not provided by an employer, the parent’s individual policy will still be required to carry the offspring until age 26. The studies, however, were conducted only according to the number of offspring covered on their parents’ employer insurance. This means that the impact of the PPACA may be more far reaching than even the studies have shown.

Indianapolis insurance is available through employers of every size, whether small, entrepreneurial businesses with 2 or 3 employees, or large corporations with hundreds of employees. You can also get individual Indianapolis insurance, if you are self employed or simply in need of coverage.

For a free, instant quote you can contact an agent at 1-877-210-2010 or contact us via our company’s website.