Indiana Healthcare Assistance for Single Mothers: Medicaid, CHIP & More [2025]

Last updated: September 2025

This is a no‑fluff, step‑by‑step Indiana guide to get yourself and your kids covered fast, with exact 2025 income limits, phone numbers, realistic timelines, and direct links to official sources.

Quick Help Box

• Call the Division of Family Resources (DFR) to apply or check your case: 800‑403‑0864. Apply online at FSSA Benefits Portal (Medicaid/HHW/HIP applications). Expect up to 30–45 days for most decisions and up to 90 days for disability cases. If you’re pregnant, ask for Presumptive Eligibility so care can start right away. (in.gov)
• Pregnant and need coverage today? Ask a clinic or hospital to enroll you in Presumptive Eligibility for Pregnant Women (PEPW). If you can’t find a site, call the PEPW broker at 800‑889‑9949. Details: Presumptive Eligibility. (in.gov)
• Not sure which Medicaid plan you’re in or who to call? Find your plan’s Member Services number on Indiana Medicaid’s Contact page. Anthem 866‑408‑6131, CareSource 844‑607‑2829, MDwise 800‑356‑1204, MHS 877‑647‑4848. Full list: Indiana Medicaid – Contact Us. (in.gov)
• WIC for moms, infants, and kids under 5: apply via the Indiana WIC line 800‑522‑0874 or find a clinic: Indiana WIC – Contact & Clinics. Monthly fruit/veg benefit through Sept 30, 2025: children $26\ast \ast ,pregnant/postpartum\ast \ast$47, fully/mostly breastfeeding $52. (in.gov, fns.usda.gov)
• Need a ride to the doctor? Traditional Medicaid NEMT rides are scheduled through Verida: 855‑325‑7586 (call at least 2 business days in advance). If you’re in a managed care plan (HIP/HHW), call your health plan for transportation. Details: NEMT Verida. (in.gov)
• Help finding services statewide (free, 24/7): dial 2‑1‑1 or 866‑211‑9966, or text your ZIP to 898‑211. Indiana 211. (in.gov)

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How This Guide Beats the Usual Search Results

Most top results for “Indiana Healthcare Assistance for Single Mothers” list programs but skip 2025 income cutoffs, current HIP contribution rules, transportation details, and working phone numbers. This guide gives you:

• 2025 Medicaid/CHIP income limits straight from Indiana FSSA.
• Exact copays, premiums, and the latest WIC dollar amounts for FY 2025.
• Links to program applications, office locators, and managed‑care hotlines.
• Realistic timelines, common mistakes to avoid, and Plan B options.

All figures are sourced to official state/federal pages you can click and verify yourself.

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First Steps: Apply for Coverage the Fastest Way

• Best single action: submit the Indiana Application for Health Coverage online at FSSA Benefits Portal. You can also apply by phone (800‑403‑0864) or in person at your county DFR office (find yours: DFR office locator). Decisions can take up to 90 days (disability cases); many non‑disability cases resolve sooner. (in.gov)
• If you’re pregnant, ask a participating clinic or hospital for Presumptive Eligibility (temporary coverage) so prenatal care can start immediately while your full application is processed. PEPW covers prenatal visits, labs, prescriptions, and transportation; labor/delivery costs require full approval. Learn more: Presumptive Eligibility. (in.gov)

Required documents (upload in the portal, bring to DFR, or respond fast if requested):

• Photo ID; Social Security numbers (if you have them); proof of Indiana residency.
• Proof of pregnancy (clinic note, test, or prenatal visit record).
• Last 30 days’ income (pay stubs), or self‑employment records; child support received.
• Health insurance info (if any).

Tip: Answer messages in your Benefits Portal inbox quickly; missing verifications are the #1 cause of delays and denials.

What to do if this doesn’t work

• Call DFR 800‑403‑0864 to check for missing items. If there’s a medical need while pending, ask your provider about Presumptive Eligibility options. Escalate through your plan’s Member Services if you’re already enrolled and need prior authorization help. (in.gov)

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2025 Income Limits You Can Use Today

These are Indiana’s official 2025 limits (effective March 1, 2025 for the categories shown). Always count gross monthly income. Household size uses tax household rules; pregnancy counts the unborn. (in.gov)

Adults (Healthy Indiana Plan – HIP) monthly income limit

Source: Indiana Medicaid – Eligibility Guide (Adults). (in.gov)

Notes:

• HIP covers adults 19–64. Income limits reflect 138% FPL using 2025 guidelines. You’ll choose a health plan and make a small monthly POWER Account payment to get HIP Plus benefits. (in.gov)

Pregnant Individuals (Hoosier Healthwise – Package A) monthly income limit

Source: Indiana Medicaid – Eligibility Guide (Pregnancy). (in.gov)

Important:

• Report pregnancy to your plan right away—Indiana waives HIP payments and copays during pregnancy and for 12 months postpartum. See HIP Maternity. (in.gov)

Children under 19 (Hoosier Healthwise/CHIP) monthly income limit

Source: Indiana Medicaid – Eligibility Guide (Children). (in.gov)

Good to know:

• As of Jan 1, 2024, all states must give kids on Medicaid/CHIP 12 months of continuous eligibility, even if income or other factors change (some exceptions apply). CMS guidance: Continuous Eligibility for Children. (medicaid.gov)

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Healthy Indiana Plan (HIP) for Single Mothers (Ages 19–64)

Most single moms qualify for HIP if household income is at or below the amounts above. HIP has two versions: HIP Plus (best benefits) and HIP Basic.

Benefits and payments (what to expect)

• HIP uses a $2,500 POWER Account each year to pay the first dollars of your care. The state funds most of it; you make a small monthly contribution. With HIP Plus, you typically pay no copays (except a small non‑emergency ER copay). With HIP Basic, you pay copays for most services and don’t get dental/vision. Details: [HIP – About the Program] and [POWER Accounts]. (in.gov)
• Monthly POWER Account contributions are flat amounts by income band, roughly 2% of income, ranging from $1to$20 per month (tobacco users may have a surcharge). If you don’t pay and you’re at/under poverty, you may be placed in Basic; if you’re over poverty and don’t pay, you can be disenrolled. See HIP FAQ and POWER Accounts pages. (in.gov)

HIP Basic copays (if you’re in Basic)

Source: HIP Basic Copayment Amounts. (in.gov)

How to enroll or manage your plan

• Apply via DFR or online. After approval, pick a plan (Anthem, CareSource, MDwise, MHS). HIP helpline: 877‑GET‑HIP9 (877‑438‑4479); plan phone numbers are in the Medicaid Contact list. (in.gov)

Real‑world example

• You have two kids (household of 3) and make $2,700/month\ast \ast gross.YoufallundertheHIPlimit(\ast \ast$3,065.05 for a 3‑person household). Choose HIP Plus and pay a small monthly contribution (likely $10–$20). Your kids may qualify for Hoosier Healthwise/CHIP with no or low premiums. (in.gov)

What to do if this doesn’t work

• If billed copays or contributions while pregnant/postpartum, call your plan—those charges should stop during pregnancy and for 12 months after delivery under HIP Maternity rules. If you’re disenrolled for non‑payment and believe it’s an error, call your plan Member Services and, if needed, file an appeal (see the Appeals section). (in.gov)

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Hoosier Healthwise & CHIP (Children and Pregnant Individuals)

What’s covered and what it costs

• Hoosier Healthwise covers medical, dental, mental health, hospital, and prescriptions. Pregnant individuals (Package A) have no cost sharing. Children in CHIP (Package C) have small premiums and copays based on income. Coverage details and copays are here: [What is Covered by Indiana Medicaid]. (in.gov)
• CHIP (Package C) copays: generic Rx $3\ast \ast ,brandRx\ast \ast$10, emergency transport $10. Non‑emergency medical transportation (NEMT) is not included for Package C. (in.gov)

CHIP monthly premiums (most recent posted chart)

Source and full table: HHW Package C Premiums. Note: page lists the 2024 chart; Indiana typically updates income bands with new FPLs—confirm the premium band on your invoice or by calling 800‑457‑4584. (in.gov)

Pregnancy coverage & postpartum

• Report your pregnancy as soon as possible. If you’re in HIP, you’ll be moved to HIP Maternity and your contributions/copays stop during pregnancy and for 12 months postpartum; extra benefits (dental/vision, transportation) are added. (in.gov)
• Can’t wait for approval? Ask a hospital/clinic for Presumptive Eligibility to begin prenatal visits now. PEPW covers outpatient prenatal care and pharmacy; labor/delivery requires full approval. (in.gov)

Children’s continuous coverage

• By federal law, children on Medicaid/CHIP get 12 months of continuous eligibility effective Jan 1, 2024, even if family income fluctuates (premium payments may still be required for CHIP where applicable). See CMS guidance. (medicaid.gov)

What to do if this doesn’t work

• If your child loses coverage mid‑year, call your plan and DFR; ask about the 12‑month continuous coverage rule for kids. If a CHIP bill seems wrong, call 800‑457‑4584 (Package C premiums). (medicaid.gov, in.gov)

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Family Planning Coverage (If You’re Over Income for Full Medicaid)

If you don’t qualify for full Medicaid and you’re not pregnant, you may get limited coverage for birth control, STI testing/treatment, and related visits via the Family Planning Eligibility Program (FPEP). Income must be at or below 141% FPL. Apply through DFR. Program details: Family Planning Eligibility Program. (in.gov)

What to do if this doesn’t work

• If denied full coverage, ask DFR to screen you for FPEP. If you need broader services (e.g., prenatal care), reapply if your situation changes (e.g., positive pregnancy test, job loss). (in.gov)

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Transportation to Appointments

• Traditional (fee‑for‑service) Medicaid: schedule Non‑Emergency Medical Transportation (NEMT) with Verida at 855‑325‑7586; call at least 2 business days ahead, up to 30 days in advance. Pharmacy trips count. You get 20 one‑way trips per rolling 12 months (more with doctor approval). You can also enroll a family member as a reimbursed driver. Details: NEMT / Verida; family driver info. (in.gov)
• Managed care (HIP/HHW/HCC): call your health plan’s transportation line (on your card or via Contact Us). (in.gov)

What to do if this doesn’t work

• If a ride is late, call Verida and press “Where’s My Ride?” or your plan’s line. If rides are repeatedly missed, report it to the plan and ask for help setting up a standing order. (in.gov)

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WIC: Concrete Monthly Food Help During Pregnancy and for Kids <5

• Indiana WIC gives specific foods, nutrition counseling, breastfeeding support, and a monthly fruit/vegetable cash benefit through Sept 30, 2025: children $26\ast \ast ,pregnant/postpartum\ast \ast$47, fully/mostly breastfeeding $52. Apply or find clinics: 800‑522‑0874; Indiana WIC contact & clinics. Dollar amounts set in USDA’s FY 2025 policy memo. (in.gov, fns.usda.gov)

What to do if this doesn’t work

• If you’re over income for WIC, ask about local food pantries via 2‑1‑1 and ask your pediatrician about formula samples or Rx formulas if medically needed. (in.gov)

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Cancer Screening & Treatment Safety Net for Uninsured

• Indiana Breast & Cervical Cancer Program (IN‑BCCP): free screening and diagnostics for eligible women; income at or below 200% FPL. If diagnosed, the Option 3 Treatment Program can enroll you in Medicaid (MA‑12) for full treatment coverage during active treatment. Income thresholds effective Mar 1, 2025 – Feb 28, 2026 (200% FPL) are listed on the state page. Regional contacts and details: IN‑BCCP. (in.gov)

What to do if this doesn’t work

• If you don’t meet IN‑BCCP rules, ask your hospital financial counselor about their Financial Assistance Policy (FAP). For Marion County, see Eskenazi Health Financial Eligibility at 855‑202‑1053. (eskenazihealth.edu)

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Children With Special Health Care Needs (CSHCS)

• Helps with specialty care and costs for kids with qualifying chronic conditions; financial eligibility up to 250% FPL. Apply and see condition list: Children’s Special Health Care Services. Note: the posted income table shows 2024 amounts; the income ceiling remains 250% FPL—confirm current figures with CSHCS. (in.gov)

What to do if this doesn’t work

• If over income, ask about care coordination via your child’s Medicaid plan and check for disease‑specific foundations (your specialist’s office can provide contacts). (in.gov)

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Mental Health, Substance Use, and Postpartum Support

• Immediate crisis: call/text 988. For treatment navigation, use FSSA’s services and the state addiction treatment locator (“Treatment Atlas”) via FSSA Division of Mental Health & Addiction. Community Mental Health Centers and Recovery Hubs are listed by county. (in.gov)
• Pregnancy Promise Program (Medicaid members with current/past substance use): free, confidential case management through pregnancy and 12 months postpartum. Call 888‑467‑2717 or 317‑234‑5336; learn more or self‑refer: Pregnancy Promise Program. (in.gov)
• My Healthy Baby: free home‑visiting referral to local family support providers through 12 months postpartum (all counties). Start here: My Healthy Baby. Moms Helpline: 844‑624‑6667 (M‑F, 8:30a–7p ET). (in.gov)

What to do if this doesn’t work

• If you can’t get a timely appointment, call your plan’s behavioral health line (on your card), ask about telehealth options, and call 2‑1‑1 to locate sliding‑fee clinics. (in.gov)

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Vaccines and Pediatric Care Without Surprise Bills

• Kids under 19 may qualify for free vaccines via the Vaccines for Children (VFC) program; find VFC providers on the Indiana VFC Provider Map. Bring your child’s Medicaid card or ask about VFC eligibility if uninsured. (in.gov)

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Marketplace Coverage (If You’re Over HIP Limits)

• If your income is above HIP limits, check the HealthCare.gov Marketplace. Open Enrollment runs Nov 1 – Jan 15; you can also qualify for a Special Enrollment Period after certain life events. Enhanced premium tax credits are currently in place through plan year 2025 (set by the Inflation Reduction Act). Start here: When can you get coverage? and Special Enrollment. (healthcare.gov)

Tip: If any child could be eligible for Medicaid/CHIP, apply with DFR first; kids’ coverage is often cheaper/more comprehensive than Marketplace child‑only plans. (in.gov)

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Key Tables You Can Screenshot

Table 1 – HIP vs. HIP Maternity vs. HIP Basic (what you pay/what you get)

Sources: HIP – About; POWER Accounts; HIP Basic Copays; HIP Maternity. (in.gov)

Table 2 – CHIP (Package C) quick costs

Sources: HHW Package C Premiums and What’s Covered. (in.gov)

Table 3 – WIC monthly fruit & vegetable benefits (FY 2025)

Sources: USDA WIC FY 2025 CVB amounts; Indiana WIC contact page. (fns.usda.gov, in.gov)

Table 4 – Don’t lose time: who to call

(in.gov)

Table 5 – Application checklist (print this)

Use the FSSA Benefits Portal to upload; respond quickly to any document requests. (in.gov)

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Local, Low‑Cost Care Options While You Wait

• Federally Qualified Health Centers (FQHCs) offer sliding‑fee primary care, dental, behavioral health. Examples in Indianapolis include HealthNet and Raphael Health Center. Raphael: sliding‑fee visits start as low as $5–$50 (medical/behavioral/optometry) and affordable dental rates; call 317‑926‑1507 or see Raphael – Patient Appointments. HealthNet financial assistance info: HealthNet – Financial Assistance. (raphaelhc.org, indyhealthnet.org)
• Affordable dental care: Indiana University School of Dentistry clinics (Medicaid accepted; lower fees). Patient Services 317‑274‑7433: IUSD Patient Care. (dentistry.iu.edu)
• HIV services (Ryan White Part B): help with meds, premiums/cost‑sharing, transportation, and more. Call 866‑588‑4948 (option 1) or visit HIV Services Program. (in.gov)

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Diverse Communities: Targeted Help and Notes

• LGBTQ+ single mothers: HIV testing, PrEP navigation, and Ryan White services are available statewide regardless of orientation or gender identity; start with the state’s HIV Services line 866‑588‑4948 (option 1). (in.gov)
• Single mothers with disabilities or with disabled children: Ask DFR to assess disability‑based coverage if your medical condition limits work. For children with complex needs, check CSHCS (≤250% FPL) and consider Medicaid waivers via BDDS. Independent help lines: Indiana Disability Rights 800‑622‑4845; Indiana Family to Family 844‑323‑4636. (in.gov, inf2f.org)
• Veteran single mothers: Contact the VA for eligibility; if you don’t qualify for VA care or need civilian services, you can still use Medicaid/WIC and Indiana 211 for referrals.
• Immigrant/refugee moms: Many lawfully present pregnant women and children may qualify for Medicaid/CHIP; Emergency Services Medicaid may cover labor/delivery for certain noncitizens. Apply through DFR; ask for language access—plans provide no‑cost interpreters. (in.gov)
• Tribal citizens: You can use IHS/tribal clinics and still enroll in Medicaid/CHIP if eligible; call 211 to locate nearby tribal or IHS‑partner providers. (in.gov)
• Rural moms with limited access: Use your plan’s telehealth and transportation benefits. If Traditional Medicaid, book Verida rides and consider enrolling a family member as a reimbursed driver. (in.gov)
• Single fathers raising kids: The same Medicaid/CHIP and WIC rules apply; use the same steps and hotlines.
• Language access: Your Medicaid plan offers free interpreter services; you can request all notices in your preferred language and ask for large print, Braille, or audio for CHIP/MEDWorks premium notices. (in.gov)

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Common Mistakes to Avoid

• Missing paperwork or not checking your Benefits Portal inbox. Respond to DFR letters fast; you can lose coverage for “failure to provide.” (in.gov)
• Not reporting pregnancy to your plan. If you’re in HIP, reporting triggers HIP Maternity so your payments/copays stop during pregnancy and 12 months postpartum. (in.gov)
• Skipping the first HIP payment. Pay promptly to stay in HIP Plus (more benefits, fewer surprises). If you’re below poverty and miss payment, you’ll be moved to Basic with copays. (in.gov)
• Forgetting transportation benefits. Don’t miss appointments—book Verida (Traditional Medicaid) or your plan’s ride service. (in.gov)
• Confusing CHIP with Medicaid. CHIP (Package C) has premiums/copays and no NEMT; Medicaid (Package A) does not. (in.gov)

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Plan B Options If You Hit a Wall

• Ask for Presumptive Eligibility (pregnancy or adult HIP Basic) to get seen while your application is pending. (in.gov)
• Call Indiana 211 for clinic and pharmacy assistance, diapers, formula, or utility help while you wait. 2‑1‑1 / 866‑211‑9966. (in.gov)
• If you get a denial you believe is wrong, file an appeal with your plan (managed care) or with FSSA’s Office of Administrative Law Proceedings (OALP): fssa.appeals@oalp.in.gov; Fax 317‑232‑4412; address on the notice. How appeals work: Member Appeals. (in.gov, secure.in.gov)

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Real‑World Scenarios

• You earn $2,900/month\ast \ast ,2kids(HHof3).You’reunderHIP’s\ast \ast$3,065.05 limit—apply for HIP Plus and enroll both kids in Hoosier Healthwise/CHIP. If you get pregnant, report it to get HIP Maternity (no payments/copays for pregnancy + 12 months postpartum). (in.gov)
• Your 6‑year‑old needs vaccines, you’re uninsured and waiting on CHIP. Book with a VFC provider so shots are free: VFC provider map. (in.gov)
• You’re over HIP income but need coverage. Apply at HealthCare.gov during Nov 1–Jan 15 or after a qualifying life event. Enhanced subsidies run through 2025; after that, Congress will decide whether to extend. (healthcare.gov)

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FAQs (Indiana‑Specific)

• How long does Medicaid approval take?
  Up to 90 days, especially if disability is involved. Many non‑disability applications finish in 30–45 days. Track your case in the portal or call 800‑403‑0864. (in.gov)
• Can kids stay covered if our income changes?
  Yes—children get 12 months of continuous eligibility on Medicaid/CHIP. Pay CHIP premiums if billed. (medicaid.gov)
• Are HIP payments required while I’m pregnant?
  No. Report pregnancy; HIP Maternity pauses contributions and copays during pregnancy and 12 months postpartum. (in.gov)
• What if I can’t afford CHIP premiums?
  Call 800‑457‑4584 to discuss your invoice and options. Some plans also offer care management help. (in.gov)
• Does CHIP include rides to the doctor?
  No (Package C excludes NEMT). Ask your plan about alternatives or use community options via 2‑1‑1. (in.gov)
• Where can I get help applying in person?
  Find your county DFR office and hours here: DFR Office Locator. (in.gov)
• Who do I call for postpartum support and home visiting?
  Start with My Healthy Baby or Moms Helpline 844‑624‑6667. (in.gov)
• Is there special help if I have a substance use history?
  Yes—the Pregnancy Promise Program supports pregnant/postpartum Medicaid members with current/past substance use. Call 888‑467‑2717. (in.gov)
• How do I get rides on Traditional Medicaid?
  Call Verida 855‑325‑7586 at least 2 business days before the appointment; 20 one‑way trips per 12 months (more with approval). (in.gov)
• Can I get low‑cost dental while waiting?
  Yes—call IUSD 317‑274‑7433 or local FQHCs like Raphael Health Center. (dentistry.iu.edu, raphaelhc.org)

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Quick Reference Cheat Sheet

• Apply now: 800‑403‑0864 or Benefits Portal.
• Pregnant? Ask for Presumptive Eligibility and HIP Maternity after approval.
• Kids: Medicaid/CHIP have 12 months continuous coverage; CHIP has small premiums/copays.
• Rides: Verida 855‑325‑7586 (Traditional); otherwise, your plan.
• WIC: 800‑522‑0874; monthly fruit/veg $26–$52 (FY 2025).
• Help line for anything: 2‑1‑1.

(in.gov, medicaid.gov, fns.usda.gov)

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About This Guide

Compiled by the ASingleMother.org Editorial Team

This guide uses official sources from the Indiana Family and Social Services Administration (FSSA), Indiana Department of Health, CMS/Medicaid, USDA, and established nonprofits. It follows our Editorial Standards (primary sources, link archiving, and 48‑hour corrections). We are independent and not a government agency. We don’t guarantee individual outcomes.

Last verified September 2025; next review April 2026.

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Disclaimer

• Program rules, income limits, and dollar amounts can change. Always verify with the agency or the official links in this guide.
• Health content is informational, not medical or legal advice. Talk to your clinician or a qualified attorney for personal guidance.
• We work to keep this site secure and up‑to‑date; if you see an error or broken link, email info@asinglemother.org and we’ll investigate within 48 hours.

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Sources used throughout this guide include:

• Indiana Medicaid/FSSA (Eligibility, HIP, HHW/CHIP, Coverage, Contact, Transportation, Appeals). (in.gov)
• Presumptive Eligibility (member and provider guidance). (in.gov)
• WIC FY 2025 benefit amounts and Indiana WIC contact. (fns.usda.gov, in.gov)
• Continuous eligibility for children (CMS). (medicaid.gov)
• HIP Maternity postpartum cost protections (12 months). (in.gov)
• IN‑BCCP screening/treatment pathway. (in.gov)
• CSHCS eligibility and services. (in.gov)
• DMHA addiction/mental health resources and HSP (Ryan White). (in.gov)
• My Healthy Baby and Moms Helpline. (in.gov)
• FQHC/dental low‑cost care (Raphael, IUSD). (raphaelhc.org, dentistry.iu.edu)
• HealthCare.gov enrollment timelines and SEP. (healthcare.gov)

If you need numbers or links not listed here, tell us what county you live in and we’ll pull the exact office info for you.

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🏛️More Indiana Resources for Single Mothers

Explore all assistance programs in 34 categories available in Indiana

• 📋 Assistance Programs
• 💰 Benefits and Grants
• 👨‍👩‍👧 Child Support
• 🌾 Rural Single Mothers Assistance
• ♿ Disabled Single Mothers Assistance
• 🎖️ Veteran Single Mothers Benefits
• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 📊 EITC and Tax Credits
• 🍎 SNAP and Food Assistance
• 🔧 Job Training
• ⚖️ Legal Help
• 🧠 Mental Health Resources
• 🚗 Transportation Assistance
• 💼 Job Loss Support & Unemployment
• ⚡ Utility Assistance
• 🥛 WIC Benefits
• 🏦 TANF Assistance
• 🏠 Housing Assistance
• 👶 Childcare Assistance
• 🚨 Emergency Assistance
• 🤝 Community Support
• 🎯 Disability & Special Needs Support
• 🛋️ Free Furniture & Household Items
• 🏫 Afterschool & Summer Programs
• 🍼 Free Baby Gear & Children's Items
• 🎒 Free School Supplies & Backpacks
• 🏡 Home Buyer Down Payment Grants
• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
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• 🛡️ Domestic Violence Resources & Safety
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• 🤱 Free Breast Pumps & Maternity Support
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