Medicare in Indiana
Find affordable Medicare plans in Indiana
As of 2018, the state of Indiana had 1,217,828 Medicare beneficiaries, according to the Center for Medicare and Medicaid Services (CMS).
Some Indiana beneficiaries are automatically enrolled in Original Medicare, Part A and Part B. Original Medicare is the federally run health insurance program for American citizens and permanent legal residents of at least five continuous years who qualify by age (65 and older). You may also qualify at any age through disability or having end-stage renal disease or Lou Gehrig’s disease (also known as amyotrophic lateral sclerosis). The same is true in other states.
You may have other Medicare coverage options in your part of Indiana. Here’s a brief overview of some of them.
- Medicare Advantage (Medicare Part C) is a program giving beneficiaries the option of getting Medicare coverage through private, Medicare-approved insurance companies. Medicare Advantage plans give you the same coverage you get from Original Medicare (except hospice care, which Medicare Part A still covers) and often include extra benefits, like routine dental, vision and hearing services. Many Medicare Advantage plans include prescription drug coverage as well – something that Original Medicare doesn’t include except in certain situations.
- You must keep paying your Medicare Part B premium, along with any premium your plan may charge.
- If you stay with Original Medicare, you can do either of these:
- Add a stand-alone Medicare Part D Prescription Drug Plan if such a plan is available in your part of Indiana. Available from private insurance companies approved by Medicare, Medicare Prescription Drug Plans may cover some of your prescription medication costs. Each Medicare Prescription Drug Plan has a formulary, which lists the drugs the plan covers and groups them into tiers based on cost. You might want to check the formulary of each plan you’re considering to make sure it covers your prescriptions. A plan’s formulary may change at any time. You will receive notice from your plan when necessary.
- Apply for a Medicare Supplement insurance plan (Medigap). Read here for more details.
Medicare resources in Indiana
Indiana Division of Aging: This branch of the Family and Social Services Administration offers a plethora of programs, services, information, and resources related to senior care and enrichment. Its mission focuses on community-level programs that provide protective services, information sharing, and coordinated brokering services. A few of the programs administered by the Indiana Division of Aging include:
- Adult foster care or day services
- Adult Protective Services
- Area Agencies on Aging
- Residential Care Assistance program
- Community and home options to institutional care for the elderly and disabled
CICOA: This private, non-profit agency is one of the Indiana Area Agencies on Aging. CICOA was chartered to help seniors and disabled Indiana citizens by providing information, assistance, and support services. CICOA uses federal and private funds to hire and train qualified people to help the aging and disabled population. Serving eight counties in the central Indiana area, CICOA’s services include:
- Aging and Disability Resource Center
- Home delivered meals
- Transportation services
- Home modifications
- Senior center based activities
Indiana Department of Insurance: This is Indiana’s State Health Insurance Assistance Program (SHIP). These programs and resources are provided for free of cost to Medicare beneficiaries. The Indiana SHIP is staffed by a group of trained volunteers who give objective answers to questions about Original Medicare coverage, long-term care insurance, Medicare Advantage plans, Medicare prescription drug coverage, and more.
Medicare statistics in Indiana
Here are some interesting statistics from CMS regarding Medicare in Indiana as of 2018:
- 367,882 beneficiaries were enrolled in Medicare Advantage plans.
- Of these beneficiaries, 292,794had Medicare Advantage Prescription Drug plans.
- 637,979 had stand-alone Part D Prescription Drug Plans
- CMS expects 24 Medicare Advantage Prescription Drug plans to be available in 2018.80 Medicare Advantage plans are available in Indiana in 2018
Statistical data from the Centers for Medicare & Medicaid Services, Medicare Enrollment Dashboard and 2018 MA Part D Landscape State-by-State Fact Sheet
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Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.