REAL HEALTH INSURANCE YOU CAN REALLY AFFORD

The COVID-19 Pandemic has changed everyone’s lives. You’re faced with challenges now that you may never have imagined before. At CareSource, we believe you shouldn’t have to worry about getting quality health care too. That’s why we offer affordable individual and family Marketplace plans tailored for any budget.

Our plans are simple and affordable with no limits on pre-existing conditions and no lifetime coverage caps for essential health benefits. Some include dental, vision and fitness benefits too. So, if you’ve lost your job, this is where you’ll find affordable coverage. CareSource can help. We’ve been helping our members through tough times for over 30 years.

CARESOURCE MARKETPLACE PLANS COVER ESSENTIAL HEALTH BENEFITS

 

Pregnancy, maternity & newborn care

 

Prescription drugs

 

Outpatient care

 

Emergency services

 

Hospitalization

 

Mental health & substance use disorder services

 

Rehabilitative/habilitative services & devices

 

Laboratory services

 

Preventive & wellness services

 

Pediatric services, including dental & vision

 

Pregnancy, maternity & newborn care

 

Prescription drugs

 

Outpatient care

 

Emergency services

 

Hospitalization

 

Mental health & substance use disorder services

 

Rehabilitative/habilitative services & devices

 

Laboratory services

 

Preventive & wellness services

 

Pediatric services, including dental & vision

Optional Adult Dental, Vision & Fitness benefit plans are also available.

EXTRA WAYS TO SAVE MONEY

Over 70% of people who enroll in a CareSource Health Insurance Marketplace plan also qualify for a government-funded subsidy that substantially lowers the overall cost of the plan. Eligibility for these funds is determined by the Health Insurance Marketplace, and not by CareSource. When you enroll, you’ll see if you qualify. There are two ways in which the funds are distributed:

Advance Premium Tax Credit (APTC)
Tax credit based on income levels, to lower monthly premium payments. This can be used no matter what plan you enroll in.
Cost-Sharing Reduction (CSR)
CSRs are discounts or “extra savings” that lower the amount you have to pay for deductibles, copayments, and coinsurance. CSRs only apply to Silver plans, so if you qualify for a CSR, you must enroll in a Silver plan to get it.

Service Area

*New counties for 2020

CareSource Marketplace plans are available in all 92 counties in Indiana:

Adams, Allen, Bartholomew, Benton, Blackford, Boone, Brown, Carroll, Cass, Clark, Clay, Clinton, Crawford, Daviess, De Kalb, Dearborn, Decatur, Delaware, DuBois, Elkhart, Fayette, Floyd, Fountain, Franklin, Fulton, Gibson, Grant, Greene, Hamilton, Hancock, Harrison, Hendricks, Henry, Howard, Huntington, Jackson, Jasper, Jay, Jefferson, Jennings, Johnson, Knox, Kosciusko, La Porte, LaGrange, Lake, Lawrence, Madison, Marion, Marshall, Martin, Miami, Monroe, Montgomery, Morgan, Newton, Noble, Ohio, Orange, Owen, Parke, Perry, Pike, Porter, Posey, Pulaski, Putnam, Randolph, Ripley, Rush, Scott, Shelby, Spencer, St Joseph, Starke, Steuben, Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vanderburgh, Vermillion, Vigo, Wabash, Warren, Warrick, Washington, Wayne, Wells, White, Whitley.

CareSource 2020 Indiana Marketplace Covered Counties

Service Area

*New counties for 2020

CareSource Marketplace plans are available in all 92 counties in Indiana:

Adams, Allen, Bartholomew, Benton, Blackford, Boone, Brown, Carroll, Cass, Clark, Clay, Clinton, Crawford, Daviess, De Kalb, Dearborn, Decatur, Delaware, DuBois, Elkhart, Fayette, Floyd, Fountain, Franklin, Fulton, Gibson, Grant, Greene, Hamilton, Hancock, Harrison, Hendricks, Henry, Howard, Huntington, Jackson, Jasper, Jay, Jefferson, Jennings, Johnson, Knox, Kosciusko, La Porte, LaGrange, Lake, Lawrence, Madison, Marion, Marshall, Martin, Miami, Monroe, Montgomery, Morgan, Newton, Noble, Ohio, Orange, Owen, Parke, Perry, Pike, Porter, Posey, Pulaski, Putnam, Randolph, Ripley, Rush, Scott, Shelby, Spencer, St Joseph, Starke, Steuben, Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vanderburgh, Vermillion, Vigo, Wabash, Warren, Warrick, Washington, Wayne, Wells, White, Whitley.

CareSource 2020 Indiana Marketplace Covered Counties

Marketplace Plan Benefits

DENTAL, VISION & FITNESS

Need to take a trip to the eye doctor or dentist? Interested in no-cost gym memberships? Adults get enhanced benefits by adding an optional Dental, Vision & Fitness package* to any Silver, Bronze or Gold plan. All plans include pediatric dental and vision coverage.

LOW COPAYS

CareSource plans have some of the lowest in-network primary care or retail clinic copays. Plus, many benefits, including primary and specialist care, retail clinic, telemedicine, urgent care, retail generic and retail preferred brand drugs, are available before you satisfy your deductible on most of our plans^.

PRESCRIPTION DRUG BENEFITS

Our prescription drug coverage includes copays as low as $0 for generic drugs and an extensive list of brand name drugs.

PREVENTIVE CARE COVERAGE

Health insurance should help you stay healthy. That’s why there are no copays or coinsurance fees for defined preventive health services with CareSource Marketplace plans.

HEARING BENEFITS

All CareSource Marketplace plans include TruHearing® coverage with hearing aid discounts and $0 copay for routine hearing screenings.

GET ACTIVE&FIT®

When you add Dental, Vision & Fitness benefits, you get access to a network of contracted fitness centers (like LA Fitness®, Snap Fitness, Anytime Fitness®, Planet Fitness® – and more!) at no extra cost or two home fitness kits of your choice. There are no monthly gym membership fees or contracts required!

Marketplace Plans

Marketplace plans are separated into metal level categories of Gold, Silver, and Bronze. The metal level categories are based on how you and CareSource share the cost of your health care. Note that many CareSource members are also eligible for helpful government subsidies, which will lower your cost for health care.


Plan Comparison

CARESOURCE BRONZE

Bronze plans offer the most affordable premiums. If you don’t expect to have many doctor appointments or need many prescription drugs, this may be a good choice for you. Bronze plans have:

Lowest premiums. You pay less each month for a Bronze Plan, but these plans have the highest deductibles and other out-of-pocket costs.

Two Different Bronze Plan Options:

Standard Bronze – This plan reduces your premiums for a higher contribution on your benefit usage. Unlike our HSA Eligible option, CareSource will begin covering certain services before you meet your deductible such as Primary Care Provider visits and retail generic prescription drugs.

HSA Eligible – Our Bronze HSA-eligible plan is a high deductible health plan, compatible with a tax advantaged Health Savings Account (HSA). This plan requires your deductible to be met before we contribute to your benefits, however your pre-tax/tax deductible HSA contributions will offset some of the costs. An HSA account can be opened at most financial institutions.

Shop & Compare Plans

CARESOURCE SILVER

CareSource Silver Plans are our most popular plans. In fact, many of our members find that Silver Plans fit their healthcare coverage needs and budget best.  Silver plans offer the highest value for those eligible for financial assistance†.

Health Care Coverage Your Way.  We offer three different Silver plan options so you can choose the one that fits your budget and healthcare needs – Low Premium, Low Deductible, or balance premium and deductible with the Standard Silver plan.

Financial Assistance. These are the only plans that offer cost-sharing reductions (CSRs)† in addition to premium tax credits. CSRs help you save money on health insurance by lowering the amount you have to pay for deductibles, copayments, and coinsurance.

Shop & Compare Plans

CARESOURCE GOLD

If you expect to have a lot of doctor appointments, need many prescription medicines, or need other health services, this may be a good choice for you. Gold plans have:

Higher premiums. You pay more each month for a Gold plan than you would for another metal level.

Lower out-of-pocket costs. With a Gold plan, the amount you pay each time you get a health service, such as seeing a doctor or filling a prescription, is less than what you’d pay if you have a Bronze or Silver plan.

Shop & Compare Plans

ALREADY A MEMBER?

Looking for information about your plan or services?

Go to Members Page   |   Log In to My CareSource

ALREADY A MEMBER?

Looking for information about your plan or services?

Go to Members Page

Log In to My CareSource

  • SHOPPING FOR 2020 MARKETPLACE COVERAGE?

    If you have had a qualifying Life Event within the last 60 days, the Health Insurance Marketplace will grant you a Special Enrollment period.

    Qualifying life events include, but are not limited to:

    • Getting married
    • Having a baby
    • Moving outside your insurer’s coverage area
    • Becoming a U.S. citizen
    • Leaving incarceration
    • Having a change in income or household status that affects eligibility for advance premium tax credits or cost-sharing reductions if you are already enrolled in coverage through the Marketplace
    • Adopting a child or placing a child for adoption or foster care
    • Losing other qualifying health coverage due to losing job-based coverage, divorce, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP and similar circumstances

    To find out if you are eligible for a Special Enrollment Period, give us a call at 1-844-539-1733 (TTY: 711).