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Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
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Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
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Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Indiana
In Indiana, nearly equal percentages of Medicare beneficiaries choose Original Medicare and Medicare Advantage. 51% of Medicare beneficiaries are on Original Medicare, the other 49% have a Medicare Advantage plan.
Original Medicare doesn’t cover prescriptions. Indiana residents can get Part D (prescription drug) coverage either through a standalone Part D plan or through Medicare Advantage. Most Medicare Advantage plans include prescription drug coverage, but not all do. Before choosing a Medicare Advantage or Part D plan, be sure that your prescriptions are covered and that you can afford the copays.
Original Medicare only covers about 80% of the cost of covered services, and provides no cap on your out-of-pocket costs. To help cover these out-of-pocket costs, many people on Original Medicare get a Medicare Supplement plan. These plans, which are also commonly called Medigap plans, significantly reduce out-of-pocket costs—and still enable you to see any doctor that accepts Medicare without worrying about coverage.
Most Indiana residents first become eligible for Medicare when they turn 65. If you’ve been receiving Social Security benefits for at least four months before turning 65, you’ll be automatically enrolled in Medicare. If you aren’t automatically enrolled, you can enroll during your Initial Enrollment Period (IEP). Your IEP is a seven-month window that starts three months before the month you turn 65 and ends three months after. You must enroll in Part A and Part B before you can enroll in other coverage.
How to apply for Medicare in Indiana?
Medicare eligibility in Indiana follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Indiana takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
Where can I get personalized help choosing Medicare coverage in Indiana?
Indiana residents can use an independent Indiana Medicare agent to compare available coverage options based on their needs. Indiana residents can turn to Chapter's licensed Medicare agents for personalized help choosing Medicare coverage. They provide free advice and support with Medicare enrollment. To get started, call (855) 900-2427 or schedule a free consultation to get your questions answered.
Why can Medicare Advantage options vary by county in Indiana?
Private insurers offer different Medicare Advantage plans in different counties. These plans also have different provider networks. Indiana residents should compare available plans to find one that covers their preferred doctors, facilities, and prescriptions.
How does Indiana's Medicare Supplement birthday rule work?
Indiana has a special rule that allows people 65 and older with an existing Medigap plan to change insurers each year. The annual opportunity begins 30 days before their birthday and continues for 30 days after their birthday. During that period, they can select a new plan of the same letter without worry of being denied coverage or charged more due to their health history. This allows them to shop for a lower premium without losing benefits.
What preventive services does Medicare cover in Indiana?
Medicare Part B covers preventive services, including vaccines, cancer and diabetes screenings, and an annual wellness visit. During the first 12 months of Part B coverage, enrollees can get a "Welcome to Medicare" visit that includes a review of their medical history and risk factors, a simple vision test, and a BMI measurement.
