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View Senior health insurance coverage in Indiana from multiple companies and reduce out-of-pocket costs that may not be covered by Original Medicare. Supplement plans offered by major insurers, help pay for copays, coinsurance, deductibles, services, excess charges, and other expenses. State and Federal legislation helps protect Hoosier State residents, since these types of Medigap policies are regulated and constantly reviewed.

In Indiana, 12 standardized policies are available that identify with letters A, B, C, D, F, G, K, L, M, and N. There are two "F" plans since a high-deductible option is offered. Benefits can not vary from one company to another. However, rates are different, and separate pricing may occur, depending upon your County of residence. Some expenses that are not covered by Medicare, such as prescription drugs, are covered by Supplements. Separate Part D plans are also offered.

All carriers are required to offer Plan A, which is considered a core plan, since its benefits are contained in all options. For example, $322 per day of hospital confinement is payed for 61-90 days, and $644 for days 91-150. An extra 365 days is covered after Medicare benefits cease. The Part B copayment is also covered, and generally it is 20% of the approved Medicare amount. The Centers for Medicare and Medicaid Services is an official government site that helps regulate coverage.

 

 Compare Senior Indiana Medigap plans and enroll online for coverage. Review Advantage and Medigap Hoosier options.

 

Benefits Provided Other Than Part A

Once the contract out-of-pocket expenses limit has been reached, all copayments, coinsurance, and deductibles are covered. Until the annual out-of-pocket limit has been met, specific services may have to be paid. Listed below are additional benefits covered under selected Supplement plans (other than Plan A):

Part A Deductible - The amount not payed if you are hospitalized. Currently, it is $1,288, and it is applicable for each separate stay.

Part B Deductible - Covers outpatient services and annual physical costs not paid by Medicare.

Skilled Nursing Facility Copay - Days 21-1000 at a cost of $161 per day.

Foreign Travel Emergency - Medical treatment outside the US is not covered. However, MedSup plans pay 80% of qualified emergency expenses for the first 60 days. The maximum payout is $50,000 (lifetime).

Excess Part B Expenses - Charges up to 15% higher than Medicare-approved amount are covered. The coinsurance can vary between 0% and 20%.

At Home Recovery - $1,600 per year is offered for qualified expenses, such as home visits (from nurses, and other qualified professionals) that help with routine daily activities. Generally, home health coverage must currently be provided, or it has been less than eight weeks since the last approved Medicare visit.

Blood - First three pints of blood.

Part B Preventative Care Coinsurance -  With no copay or deductible, many qualified services are covered, including (but not limited to) routine annual physicals, bone mass measurement, diabetes and mammogram screening, pap test and pelvic exam, cardiovascular disease and colorectal screenings, OBGYN exams, and hepatitis B, pneumonia, and H1N1 flu vaccines.

 

How Rates Are Calculated

The rate you pay can be determined by the carrier in three separate ways:

Attained Age: The premium you pay is soley based on your age at the time of enrollment. Therefore, initially, the cost may be less expensive than other options. However, as you get older, the premium also increases. Although prices are typically competitive at ages 65 to age 75, at higher ages, plan rates can be quite high compared to many other plans.

Issue Age - The cost of coverage is based on your age at the time you apply for a policy. Thus, buying a policy at younger ages (65-70), your premiums do not increase, other than for inflation and an overall carrier increase. General increases in healthcare can also impact your rate.

No Rating - Regardless of your age, rates are identical. Although not utilized very often, when available, older applicants receive very favorable pricing.

NOTE: Medicare Select plans are offered by several private carriers. Although the premium is typically lower than most other plans, to receive full benefits, you must use a specific network of doctors and hospitals, which can be very restrictive. For example, the Part A deductible is typically covered when you are treated inside the network. However, unless it is an emergency, an out-of-network hospital visit may result in some or all of the deductible not being covered.

 

Which Companies Offer Medicare Supplement Coverage In Indiana?

Although we have more than 37 years of experience offering expert and unbiased advice, we do not "rate" carriers that provide Senior benefits. However, each company must be properly registered and approved by the Department of Insurance (DOI) before they advertise or offer any product. Below, we have listed the companies that have been approved by the Department of Insurance (DOI) to sell Medigap plans. Not all carriers sell all available contracts. Also, the most appropriate plan for yourself, is likely not to match the specific needs of another person.

 

AARP (UnitedHealthcare)

Aetna

American Republic

Anthem

Bankers

Cigna

Colonial Penn

Combined Insurance

Central States (CSI)

Equitable

Everence

Globe Life

Heartland

Humana

KSKJ Life

Liberty National Life

Manhattan Life

Members Health

Mutual Of Omaha

Oxford Life

Pekin

Philadelphia American

Physicians Mutual

Reserve National

Standard Life And Accident

State Farm

State Mutual

Thrivent

Transamerica

Unicare

United American

United Commercial Travelers

USAA

 

Which Indiana Senior health insurance plans cover my expenses the best? Supplement or Advantage Plans?

 

Sample Indiana Medicare Supplement Plan Rates

Illustrated below are current monthly prices for several different scenarios. Rates shown are for females. Male rates are typically higher.

 

Age 65 Non-Smoker Marion County Plan  C

$128 - Philadelphia American

$142 - AARP-UnitedHealthcare

$146 - Manhattan Life

$156 - Central States

$175 - Humana

$189 - United American

 

Age 65 Non-Smoker Marion County - Plan F

$122 - Cigna

$136 - Philadelphia American Life

$137 - Shenandoah Life

$138 - Combined Insurance

$140 - Greek Catholic Union

$143 - AARP-UnitedHealthcare

$143 - Continental Life

$147 - Manhattan Life

$149 - Companion Life

$150 - Oxford Life

$163 - CSI Life

$165 - Mutual Of Omaha

$165 - Central States

$177 - Humana

$179 - Pekin

$181 - Equitable

$198 - United American

$199 - Gerber

 

Age 65 Non-Smoker Marion County - Plan F (High Deductible)

$29 - United American

$37 - Cigna

$41 - Philadelphia American

$47 - Mutual Of Omaha

$54 - Continental Life

$59 - Humana

$81 - Pekin Life

 

Age 65 Non-Smoker Marion County Plan  G

$99 - Cigna

$103 - Shenandoah Life

$108 - Philadelphia American

$109 - Continental Life

$112 - Manhattan Life

$114 - Greek Catholic Union

$116 - Combined Insurance

$116 - Equitable

$121 - American Retirement Life

$122 - AARP-UnitedHealthcare

$126 - CSI Life

$127 - Central States

$128 - Pekin Life

$129 - Companion Life

$129 - Oxford Life

$137 - Mutual Of Omaha

$139 - Gerber

$178 - United American

 

Age 65 Non-Smoker Marion County Plan N

$85 - Cigna

$87 - Shenandoah Life

$91 - Philadelphia American

$92 - Continental Life

$92 - Greek Catholic Union

$93 - American Retirement Life

$97 - Manhattan Life

$98 - AARP-UnitedHealthcare

$99 - Mutual Of Omaha

$103 - Central States

$105 - CSI Life

$108 - Oxford Life

$111 - Humana

$118 - Combined Insurance

$119 - Equitable

$140 - United American

 

Age 65 Non-Smoker Lake County Plan C

$107 - Members Health

$116 - Philadelphia American

$135 - Globe

$140 - State Mutual

$142 - AARP-UnitedHealthcare

$146 - Manhattan Life

$153 - Everest

$156 - Central States

$161 - Reserve National

$175 - Humana

$189 - United American

 

Age 65 Non-Smoker Lake County - Plan F

$124 - Philadelphia American Life

$138 - Combined Insurance

$143 - AARP-UnitedHealthcare

$145 - Shenandoah Life

$147 - Manhattan Life

$149 - Companion Life

$153 - Cigna

$158 - Oxford Life

$160 - Continental Life

$162 - Greek Catholic Union

$163 - CSI Life

$165 - Central States

$171 - American Retirement Life

$173 - Mutual Of Omaha

$175 - Humana

$181 - Equitablw

$187 - Pekin Life

$198 - United American

$200 - Gerber

 

Age 65 Non-Smoker Lake County - Plan F (High Deductible)

$29 - United American

$37 - Philadelphia American

$46 - Cigna

$47 - Mutual Of Omaha

$54 - Continental Life

$59 - Humana

$80 - Pekin Life

 

Age 65 Non-Smoker Lake County Plan G

$99 - Philadelphia American

$102 - Equitable

$109 - Continental Life

$109 - Shenandoah Life

$113 - Manhattan Life

$116 - Combined Insurance

$122 - AARP-UnitedHealthcare

$124 - Cigna

$126 - CSI Life

$127 - Central States

$128 - Pekin Life

$129 - Companion Life

$131 - Greek Catholic Union

$135 - American Retirement Life

$136 - Oxford Life

$137 - Equitable

$137 - Mutual Of Omaha

$139 - Gerber

$178 - United American

 

Age 65 Non-Smoker Allen County - Plan F (High Deductible)

$29 - United American

$36 - Cigna

$37 - Philadelphia American Life

$41 - Mutual Of Omaha

$46 - Continental Life

$57 - Humana

$70 - Pekin Life

 

Age 65 Non-Smoker Allen County - Plan F

$120 - Shenandoah Life

$120 - Cigna

$120 - Combined Insurance

$121 - Companion Insurance

$124 - Philadelphia American Life

$124 - Greek Catholic Union

$125 - Manhattan Life

$133 - American Retirement Life

$134 - Oxford Life

$136 - CSI Life

$137 - Continental Life

$140 - Central States

$143 - AARP-UnitedHealthcare

$149 - Mutual Of Omaha

$154 - Pekin Life

$160 - Equitable

$168 - Humana

$168 - Gerber

$198 - United American

$255 - American Retirement Life

 

Age 65 Non-Smoker Allen County - Plan N

$77 - Shenandoah Life

$79 - Continental Life

$82 - Greek Catholic Union

$82 - Manhattan Life

$83 - Philadelphia American

$84 - Cigna

$85 - Mutual Of Omaha

$85 - American Retirement Life

$87 - Central States

$88 - CSI Life

$89 - Individual Assurance

$97 - Oxford Life

$98 - AARP-UnitedHealthcare

$103 - Combined Insurance

$105 - Equitable

$106 - Humana

$140 - United American

 


Healthcare coverage for disabled persons in Indiana is available. Several private and federal programs offer low-cost health insurance.

 

Is Coverage Available If You Are Disabled?

Although several carriers may offer plan options to applicants under age 65, it is not a requirement that Medigap coverage must be made available, even during the Open Enrollment period which begins in October. There also is not a separate OE period specifically for persons that are disabled. Once you reach age 65, more options will become available.

If you are actively employed, and your place of work has at least 100 employees, generally, you can choose one of the medical plans offered to other employees. Your rate will not be surcharged, no extra waiting period will be imposed, and you can select the same policy coverage that other workers have access to. The same guidelines apply to part-time workers. However, if your place of work employs less than 100 persons, your principal healthcare coverage would be furnished by Medicare.

A Medicare Managed HMO is also an option to consider, since applicants can not be denied because of a disability. Although applications are guaranteed to be approved, unfortunately, most carriers do not offer that type of coverage, so options are often limited. Of course, when you reach age 65, many more options will immediately become available since a new enrollment period is created.

 

What Is The State Health Insurance Assistance Program?

SHIP provides free counseling and services to Seniors and is approved by the DOI. Although you can not purchase coverage, you can receive valuable and unbiased information to help you make an informed decision. The Centers of Medicare and Medicaid Services sponsors SHIP and also provides similar services in other states. More than 300 counselors receive comprehensive training before earning their certification. Several of their services include:

Discussing beneficiary rights.

Making available speakers for Local Groups.

Help with evaluating Part D prescription drug options.

Discussion of local Agencies and Organizations that can help.

Assisting Medicare claims and appeals.

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