Summary: You may have options for Medicare in Indiana beyond Original Medicare. One option could be a Medicare Advantage plan. Another choice might be a stand-alone Medicare Part D prescription drug plan. You could also consider Medicare Supplement insurance.
Original Medicare in Indiana
Original Medicare is a federal health care program. Original Medicare includes Part A, hospital insurance, and Part B, medical insurance.
- Inpatient hospital care
- Skilled nursing facility (SNF) care
- Long-term care hospitals
- Hospice care
- Limited home health care
- Outpatient care, including doctor visits and preventive services
- Medically necessary services
- Mental health services
- Clinical research studies
- Durable medical equipment
If you have Medicare, you can go to any provider in the country that accepts Medicare assignment.
Keep in mind, however, that Original Medicare doesn’t cover certain services and items. It does not cover acupuncture, hearing aids, or routine vision or dental benefits. It also doesn’t include prescription drug coverage.
Original Medicare in Indiana – how do you get it?
To be eligible for Medicare in Indiana, you must be at least 65 and either a U.S. citizen or a legal permanent resident of at least five continuous years. This is true in all states.
You may also be eligible for Medicare before age 65 if you have a qualifying health condition, such as end-stage renal disease or Lou Gehrig’s disease.
You’ll generally be enrolled for Medicare in Indiana if you receive disability benefits for 24 continuous months from the Social Security Administration (SSA) or the Railroad Retirement Board (RRB).
If you’re like most people on Medicare in Indiana, you might not have to pay a monthly premium for Medicare Part A. If you worked at least 10 years and paid Medicare taxes, you generally won’t pay a Part A premium. However, most people do pay a Medicare Part B premium every month.
Original Medicare in Indiana – when can you enroll?
Most people enroll, or are automatically enrolled, in Medicare Part A and/or Part B during their Initial Enrollment Period (IEP). For most people, this is the seven-month period that:
- Begins three months before you turn 65,
- Includes the month you turn 65, and
- Ends three months later
If you don’t sign up for Medicare in Indiana during your IEP, you can sign up during the next General Enrollment Period (GEP). This takes place from January 1 to March 31 every year.
If you don’t sign up for Part A and/or Part B when you’re first eligible, you may have to pay a late enrollment penalty when you sign up later.
You may also sign up during a Special Enrollment Period (SEP) if you didn’t sign up for Part B because you had other health coverage.
- For example, you may have coverage through an employer, either your own or through your spouse. Perhaps you didn’t want to pay a separate premium for Part B when you didn’t need it yet.
- You can sign up for Part B as a Special Enrollment Period when your employer coverage ends. You won’t have to pay a late penalty if you qualify for a Special Enrollment Period.
You can apply for Part A and/or Part B in the following ways:
- By submitting an application online through the Social Security website.
- By calling Social Security at 1-800-772-1213. TTY users can dial 1-800-325-0778. Phone hours are open OEPMonday through Friday, from 7AM to 7PM.
- By visiting a local Social Security office. To search for locations in Indiana, click here.
Medicare in Indiana Plan Options
You may have several options available for Medicare in Indiana, depending on where you live.
Medicare in Indiana – Part C
Medicare Advantage (Part C) is another way to receive your Part A and Part B benefits. If you enroll in a Medicare Advantage plan, you’re still in the Medicare program. You’ll get the same benefits you’d have in Original Medicare.
Many Medicare Advantage plans also include extra benefits. These may include vision care, dental care, hearing aids, or fitness benefits.
Another option is a Medicare Advantage prescription drug plan. This will allow you to receive your health and drug coverage from the same plan.
You must have Medicare Part A and Part B to enroll in a Medicare Advantage plan. You’ll continue to pay your Part B premium. You’ll also need to pay a plan premium, if applicable. Some 2020 Indiana Medicare Advantage plans have a $0 monthly premium.
Medicare in Indiana – Part D
Medicare Part D is prescription drug coverage. It is available through private insurers approved by Medicare.
- Original Medicare doesn’t come with Part D. You can enroll in a stand-alone Medicare Part D prescription drug plan.
- If you have a Medicare Advantage prescription drug plan, prescription drug coverage is included in your plan’s benefits.
If you don’t enroll in a Medicare prescription drug plan when you’re first eligible, you may have to pay a late enrollment penalty. That might happen if:
- You add this coverage later and
- You were without creditable prescription drug coverage for 63 consecutive days or more
Medicare Supplement (Medigap) insurance plans in Indiana
If you decide to stay with Original Medicare, another option you may have is to sign up for a Medicare Supplement (Medigap) insurance plan. This can help pay for Original Medicare’s out-of-pocket costs.
Different Medigap insurance plans pay for different amounts of those costs. These may include copayments, coinsurance, and deductibles.
Medicare Supplement insurance plans sold today don’t cover prescription drugs. You can’t use them with Medicare Advantage plans.
Medicare in Indiana resources
You may find these resources for Medicare in Indiana useful:
- Indiana Department of Insurance: Learn about Medicare, the Low-Income Subsidy Program, and the State Health Insurance Assistance Program.
- HoosierRx: Get help with Part D costs through Indiana’s pharmaceutical assistance program.
- Indiana Medicaid: Find out how to apply for assistance with health costs.
Learn more about how Medicare in Indiana works:
- Medicare Advantage plans in Indiana
- Medicare Supplement (Medigap) insurance plans in Indiana
- Medicare Part D plans in Indiana
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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