Medicare plays a key role in providing health and financial security to beneficiaries residing in Indiana. With more than 1.2 million Indiana beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Indiana. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.

Who Qualifies for Medicare in Indiana?

Medicare covers most Indiana residents who are 65 or older, and it also covers disabled Indiana residents. In general, Medicare enrollment in Indiana works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.

Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.

Who Qualifies for Medicare

Indiana Medicare Enrollments

817,889

Original Medicare Plans
(Part A and B)

456,561

Medicare Advantage & Other Health Plans

609,038

Stand-alone Medicare
Part D (Drug plans)

1,274,450

Total Medicare Beneficiaries
in Indiana

Indiana Medicare Advantage Plans (Part C)

About 32% of Indiana Medicare beneficiaries select Medicare Advantage plans.

Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.

The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Indiana who already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare.

As of 2020, 94 Medicare Advantage plans are available in Indiana. Medicare Advantage plan availability varies from one country to another. In 2019, Indiana residents were able to choose from among at least 11 Medicare Advantage plans, and up to 29 plans, depending on where they live.

The average monthly Medicare Advantage premium in Indiana changed $22.12 in 2019 to $18.76 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in Indiana. 100% of people with Medicare have access to a Medicare Advantage plan. According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 456,561 beneficiaries enrolled in Medicare Advantage and other plans in Indiana.

Indiana Medicare Supplement (Medigap) Insurance Plans

As of July 2020, Medigap insurers in Indiana will have to offer at least Plan A, guaranteed-issue, to disabled Medicare beneficiaries under age 65.

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.

Indiana Medigap insurance is available to everyone with Medicare in the state, including those who are under 65 and are enrolled in Medicare. Often, Medigap plans in Indiana can be more expensive if you don’t enroll during your Initial Enrollment Period and wait for an Annual Open Enrollment Period. 

There are two initial times to enroll in a Medigap plan before and after you turn 65:

  • 6 months prior to turning 65
  • Once you turn 65, your 6 month period begins the month you enroll in Part B.

During this period, an insurance company can’t use medical underwriting. 

As of July 2020, Indiana is required to implement rules to ensure disabled Medicare beneficiaries have at least some access to Medigap plans. Indiana legislation that was enacted in 2019 (S.B.392) requires Medigap insurers to offer at least one Medigap plan (Plan A) to Medicare beneficiaries who are under 65 and eligible for Medicare due to a disability.

The legislation requires Medigap insurers to grant Medicare beneficiaries a six-month open enrollment period that begins when they’re enrolled in Part B (or determined eligible for retroactive Part B coverage), regardless of age. Indiana residents who are under 65 and already enrolled in Medicare due to a disability have a one-time enrollment window that began July 1, 2020.

Indiana Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.

As of 2020, there are 609,038 Medicare beneficiaries in Indiana enrolled in Part D prescription drug plans and 392,007 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 28, Part D plans available in Indiana, with premiums ranging from about $16 to $92 per month.

Nearly 94% of people with a stand-alone Medicare prescription drug plan have access to a plan with a lower premium than what they paid in 2019. About 25% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).

When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.

Local Medicare Health Plan Resources in Indiana

  • Indiana’s Senior Health Insurance Program (SHIP): SHIP provides free, impartial health insurance information for people with Medicare. SHIP is part of a federal network of State Health Insurance Assistance Programs located in every state. In Indiana, SHIP is provided by the Administration on Community Living and the Indiana Department of Insurance
    Contact: Call 1-800-457-8283 or text 1-855-463-5292

  • LifeTime, which is located in Dillsboro, Indiana, provides a variety of services and supports for seniors residing in Dearborn, Jefferson, Ohio, Ripley, and Switzerland Counties. It has a team of Family Support Options Counselors that provide free, objective advice to help seniors evaluate their needs and budget to find a suitable Medicare Advantage plan.

    To be eligible for services through LifeTime, seniors must be at least 60 years old and reside in the agency’s service area. Along with Medicare counseling, LifeTime provides transportation services, meal delivery, advocacy, and community care counseling, as well as information and assistance. It provides referral services to connect seniors with other relevant community resources. The office also features an on-site resource library with books, videos, and pamphlets on topics, such as family caregiving, as well as a computer with Internet access that is available to use during the library’s hours of operation.
    Contact: Send an email through the agency’s website or call the office at 1-800-742-5001.

The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Indiana. Our process makes it easier for you to access your Medicare eligibility in Indiana so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 327‑0148 anytime to get a free quote or to ask any questions.

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