Medicare in Indiana

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 09/16/2018

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About Medicare in Indiana

Medicare beneficiaries in Indiana can choose to receive their health care through the federal government with Original Medicare, Part A and Part B or through a private Medicare-approved insurance company by enrolling in a Medicare Advantage plan. We’ve provided an overview of some of your options below. Please note that the availability of Medicare plan options may vary depending on where in Indiana you live.

Types of Medicare coverage in Indiana

Original Medicare, Part A and Part B, is the federal part of the Medicare program. Part A covers inpatient hospital care while Part B is responsible for physician services, durable medical equipment, and some preventive care.

Medicare Advantage, Part C, plans are offered by private insurance companies approved by Medicare and must cover everything that Part A and Part B does (excluding hospice care). Many Part C plans include other benefits, such as routine dental care or prescription drug coverage. With a Medicare Advantage Prescription Drug plan, you can get all your Medicare benefits in one plan. You must continue paying your Medicare Part B premium along with any Part C premium.

Medicare Part D Prescription Drug Plans provide drug coverage to Medicare beneficiaries.  This type of coverage is available through private Medicare-approved insurance companies and it works alongside a Medicare beneficiary’s Part A and/or Part B insurance.  Coverage and costs are likely to vary from plan to plan and among different service areas.

Medicare Supplement (Medigap) plans are designed to work alongside your Original Medicare coverage. Medigap plans cover some of your costs under Original Medicare, such as copayments and coinsurance. They are offered by private insurance companies in Indiana. Up to ten standardized policies are available, each with a lettered designation (A, B, C, D, F, G, K, L, M, N). Plans of each letter are the same no matter where they are purchased throughout the state.

Local resources for Medicare in Indiana

Medicare Savings Programs in Indiana: Indiana’s Medicare Savings Programs provide financial help to beneficiaries whose income is less than a certain limit. The only way to know for certain if you qualify for one of these savings program is to apply.

Indiana State Health Insurance Counseling and Assistance Program (SHIP): The Senior Health Insurance Program (SHIP) has locations all over Indiana where Medicare beneficiaries can ask counselors, in person or over the phone, about a wide range of Medicare questions.

How to apply for Medicare in Indiana

Enrolling for Medicare in Indiana works the same as any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Residents are automatically enrolled at age 65 if they already receive benefits through either the Social Security Administration or the Railroad Retirement Board. Disabled residents can be enrolled before reaching age 65 if they receive Social Security disability benefits, or certain disability benefits from the Railroad Retirement Board, for more than 24 straight months. If you have Lou Gehrig’s disease (amyotrophic lateral sclerosis, or ALS), you’re enrolled in Medicare the same month your disability benefits start. If you have End-Stage Renal Disease (ESRD), you might qualify for Medicare, but you need to apply manually as described below.

If you have to apply for Medicare in Indiana (that is, if you’re not enrolled automatically), you can visit your local Social Security Administration office or enroll online or over the phone.

  • Visit the Social Security website.
  • Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
  • If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.

If you do not take Medicare Part B when you are first eligible, you could wind up paying a late enrollment penalty if you do decide to get this coverage down the line.

Are you enrolled in Original Medicare, Part A and Part B, but wish to consider other Medicare plan options available in your area? I can help you review those options. Together, we can see if there are more cost and/or coverage-efficient options for you. To learn more about me, click the View profile link beside my photo below. I’m happy to walk you through your options or email you information; you can request that using the other links below. You can also browse options yourself, if you prefer. Just click the Compare Plans button on this page to get started.

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