Healthy Indiana Plan (HIP) 2.0

As a key stakeholder in Indiana healthcare and leading advocate for hospitals and patients, ClaimAid served an important role in the development and roll out of the HIP program. ClaimAid helps providers and consumers to navigate ground breaking program elements such as POWER Account Contributions, Fast-track payments, Third Party Contributions and other cutting-edge aspects of consumer-driven health care.

ClaimAid engages public and private policymakers to improve health coverage programs and educate both healthcare providers and the uninsured patients they serve. In the uncharted waters of a new Medicaid Waiver program, ClaimAid serves as a bridge between hospitals, patients and state government.

Enrolling in the Healthy Indiana Plan (Versión en español aquí):

The Healthy Indiana Plan (HIP) is the nation’s first consumer-driven health plan for Medicaid beneficiaries. Pioneered in Indiana with former Governor Mike Pence, the HIP model has demonstrated remarkable success in transforming beneficiaries into engaged participants and improving health outcomes. The expanded “HIP” program has seen consistent results, proving that HIP’s model is scalable and remains successful in empowering enrollees to become active consumers of healthcare services.

HIP offers low-income Hoosiers an affordable health plan paired with a Personal Wellness and Responsibility (POWER) account, similar to a health savings account. The POWER account contains contributions made by the State as well as the required monthly contributions from the member.

Three benefit packages are offered to HIP members —HIP Plus, HIP Basic, and HIP Employer Link. Participation in HIP Plus requires members to regularly pay monthly contributions to their POWER account. The HIP Basic plan is only available to members below the federal poverty level who fail to make their monthly POWER account contributions. The HIP Basic plan is a more limited benefit plan, and does not cover vision and dental services.

As of January 2017, the state of Indiana reports:

  • 406, 323 members enrolled
  • 60% of members who enrolled into HIP were previously uninsured
  • An average of 70% of HIP members choose to contribute to their POWER account to enroll into HIP Plus, and over 92% of members continue to contribute throughout their enrollment
  • 86% of members who choose to contribute to participate in HIP Plus have incomes below the federal poverty level (FPL). This demonstrates that HIP’s promotion of value-based decisions among members is working, as members with income below the FPL have the option to not contribute, and accept a lower-value healthcare benefit package known as HIP Basic
  • 87% of HIP Plus members received a preventative service when enrolled for 12 months

On January 31, 2017, the state of Indiana submitted a waiver extension application to the US Centers for Medicare and Medicaid Services (CMS) to continue the Healthy Indiana Plan for another three year period from February 1, 2018 to January 31, 2021. The waiver includes plans to build on the successes by adding enhanced programs in the following areas:

  • Tobacco Cessation
  • Substance Use Disorder (SUD)
  • Chronic Disease Management
  • Employment Related Incentives

If you have questions or would like to discuss how ClaimAid can assist your organization, please contact us.