The difference between health insurance and health plans

TELL CITY — The Chamber of Commerce hosted a breakfast that featured a speaker from Indiana Farm Bureau who came to speak on their health plans that they are now offering. Patrick Williams came down from Indiana Farm Bureau's Indianapolis location, expanding on the bureau's services by pointing out that a health plan is not the same thing as health insurance.

Health insurance cannot rate or deny based on preexisting conditions; health plans can. There are enrollment windows for health insurance but health plans have a year round enrollment. Health insurance is in-network providers based on geographical in-state location, whereas health plans are in-network providers based on nationwide provider UnitedHealthcare's Choice Plus Network.

Williams stated that many people are unaware that this coverage exists. It was only rolled out two years ago.

This type of coverage can be essential for everyone. There could be the possibility of financial reunion if there is a medical emergency and a person is out of state. Health plans are beneficial to small business owners, according to Williams.

Anyone interested in learning more can reach out to the Tell City branch to JP Hilgenhold and Lee Chestnut at 812-547-7044.