Medicare Supplements and Policies in Indiana

Medicare is a United States health insurance program for senior citizens and eligible disabled individuals. It was first created in two parts in 1965. Medicare Advantage, Part C, was added in 1997, and an additional policy, named Part D, became available in 2003. Many Medicare recipients purchase supplemental Medicare coverage, referred to as Medigap. Indiana's Medigap policies are regulated by the state's Department of Insurance.
  1. Plan A

    • Plan A Medigap is the least expensive plan and offers basic benefits. All insurance companies in Indiana that sell Medigap must sell Plan A. All Medicare supplemental plans must also include all of Plan A's benefits. These include reasonable costs for the first three pints of blood you use per year, 100 percent coverage of Part B co-pays, payment for an extra 365 days of hospitalization benefits after regular Medicare stops and Part A hospital co-pays.

    Plans B, C and D

    • Plans B and C have all of the core benefits of Plan A, along with additional benefits. Plan A adds coverage for the Part A annual deductible, and Plan C covers the co-payment for skilled nursing facility care, the Part B deductible and medical emergencies that occur outside of the United States. Plan D has the same benefits as Plan C but without the Part B deductible coverage.

    Plan F

    • Plan F is available as both a regular plan and as a high-deductible plan. Plan F comes with all Medigap benefits but also has the highest monthly premiums. The high-deductible version of Plan F allows you to get all the benefits but pay lower monthly premiums although you must reach an annual deductible before benefits will start. In 2011, this deductible was $2,000.

    Plans K and L

    • Indiana also allows the sale of cost-sharing plans K and L. Plan K covers 50 percent of benefits instead of 100 percent while Plan L covers 75 percent. Both have their own annual out-of-pocket limits.

    Medicare SELECT

    • Indiana Medigap supplements can be purchased as Medicare SELECT policies. If your insurance company offers it, you can purchase your Medigap policy as a HMO-type plan. You will need to get your medical services from providers who are part of your insurance company's network, but you will pay lower premiums in return. You must also live within the network's service area.

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