Indiana Individual Health Insurance Benefits for Contract Employees
The healthcare needs of contracted employees will vary. You may be looking for the lowest-cost policy as you are not incurring many medical services. You may also be inclined to purchase a policy that provides more coverage for digital medicine. Video medicine is a growing benefit; you can receive general and mental health services through your phone. There are multiple carriers that have increased coverage for this type of service.
If you travel out of state frequently, all ACA plans cover the emergency room as in the network. If you temporarily work in a state other than Indiana and your plan does not have network access, you still have emergency room coverage. In the travel scenario, you may look at a carrier with network access out of state; some Indiana carriers have limited out-of-state coverage.
If you are a contracted worker who needs family coverage, your family’s needs must be considered. This typically means that the plan will cost more, as you may want to elect more comprehensive coverage.
