Indiana Health Quotes  >  Latest News By:

View Senior health insurance supplement coverage in Indiana from multiple companies and reduce out-of-pocket costs that may not be covered by Original Medicare. Medigap 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 policies are regulated and constantly reviewed.

A six-month Open Enrollment period is available when you reach age 65 and complete your enrollment in Medicare Part B. During this period, medical questions are not asked, and pre-existing conditions and/or future medical treatment does not affect the cost of coverage. This period starts when your Part B benefits become effective. You also may continue to work beyond age 65 and retain eligibility. If you are currently disabled, and have not yet reached age 65, several carriers offer Supplement contracts.

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, can be covered by supplements. Separate Part D plans are also offered. These contracts can also be purchased by persons with Advantage plans that do not have drug coverage.

All carriers are required to offer Plan A, which is considered a core plan, since its benefits are contained in all options. For example, $335 per day of hospital confinement is payed for 61-90 days, and $670 for days 91-150. The potential out-of-pocket expenses for uncovered benefits are $1,340, and $10,050. A Skilled nursing confinement copay of $167.50 per day for days 21-100 can also result in $13,400 of expenses without a Medigap plan.  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. They are part of the Department of Health and Human Services (HHS).

 

 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 $1,340 and it is applicable for each separate stay.

Part B Deductible - Covers outpatient services and annual physical costs not paid by Medicare. The current deductible is $183.

Skilled Nursing Facility Copay - Days 21-100 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. Nutrition therapy and smoking cessation counseling are also included.

Several expenses are not covered. These include prescription drugs, private duty nurses, hearing aids, eyeglasses, contacts, routine dental and vision care, and long-term nursing care. Stand-alone Part D prescription plans are offered by many companies.

 

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 solely 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.

 

ID Cards

Recently, the look of your Medicare ID Cards changed. The social security number, gender, and signature have been removed. Appearing on the front of the card is your name, Medicare number, and the dates when your Part A and Part B benefits began. Cards were mailed in the early summer. The Railroad Retirement Board mailed cards to their retired employees. Benefits and cost of coverage are not impacted, and other ID cards (Advantage, Supplement, or Part D prescription drug) will not change. The previous red, white, and blue card should be cut up and discarded. The effective date of the new card is when it is received.

 

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 contracts, and the plans they offer. 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. "SELECT" plans will require the insured to use specific doctors and hospitals in a designated network.

 

AARP (UnitedHealthcare) - Plans A, B, C, F, G, K, L, N

American National - A,F, G

American Republic Corp. - A, F, K, L

American Republic Insurance - A, F. F (HD)

American Retirement Life (Cigna) - A, F, G, N

Americo - A, F, G, N

Anthem Blue Cross - A, F, G, N

Assured Life - A, F, G, N

Bankers Fidelity - A, F, F (HD), G

Central States - A, B, C, F, G, N

Cigna - A, F. F (HD), G, N

Colonial Penn - A, B, F, F (HD), G, K, L, M, N

Combined Insurance - A, F, G, N

Companion Life - A, F, G

Continental Life - A, B, F, F (HD), G, N

CSI Life - A, F, G, N

Equitable Life And Casualty - A, F, G, N

Everence - A, C, F, L, N

Everest - A, C, D, F, G, N

Gerber - A, F, G

Globe Life - A, B, C, F, F (HD)

Government Personnel Mutual - A, F, G, N

Greek Catholic Union - A, F, G, N

Heartland - A, F, G, N

Humana - A, B, C, F, F (HD), K, L, N

Individual Assurance - A, F, G, N

Liberty Banker's Life - A, F, G, N

Loyal Christian - A, F, G, N

Manhattan Life - A, B, C, D, F, G, M, N

Massachusetts Mutual - A, F, G, N

Medico - A, F, F (HD), G, N

Members Health - A, B, C, D, F, G, M, N

Mutual Of Omaha - A, F, F (HD), G, N

Oxford Life - A, F, G, N

Pan American - A, F, G, N

Pekin - A, F, F (HD), G

Philadelphia American - A, C, D, F, F (HD), G, N

Physicians Mutual - A, D, F, F (HD), G, N

Polish Falcons Of America - A, F, G, N

Puritan Life - A, F, G, N

Renaissance Life - A, F, G, N

Reserve National - A, C, F, F (HD), G, N

S. USA Life - A, F

Shenandoah Life - A, F, G, N

State Farm - A, D, G, N

State Mutual - A, B, C, D, F, F (HD), G, M, N

Thrivent - A, F, G, N

Transamerica - A, B, C, D, F, G, K, L, M, N

Unified Life - A, F, F (HD), G, N

United American - A, B, C, D, F, F (HD), G, K, L, N

United Commercial Travelers - A, B, C, D, f, G, N

UnitedHealthcare (AARP) - A, B, C, F, K, L, N

USAA - A, F, N

 

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 and Hamilton Counties Plan A

$81 - AARP-UnitedHealthcare

$87 - Humana

$89 - Philadelphia American

$95 - Transamerica

$101 - Shenandoah Life

$102 - United American

$103 - Cigna

$104 - Combined Insurance

$104 - Guarantee Trust Life

$104 - Equitable National Life

$106 - Companion Life

$106 - Prosperity Life

$108 - Thrivent

$110 - Liberty Bankers Life

$110 - CSI Life

$111 - American Retirement Life

$112 - Continental Life

$112 - Manhattan Life

$113 - Gerber

$114 - Greek Catholic Union

$117 - National Guardian Life

$118 - Medico

$141 - Oxford Life

$171 - Pekin Life

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan B

$112 - Central States

$119 - AARP-UnitedHealthcare

$123 - Manhattan Life

$124 - Continental Life

$125 - Transamerica

$148 - Aetna

$150 - Humana

$154 - United American

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan C

$128 - Philadelphia American

$146 - Manhattan Life

$148 - Transamerica

$151 - AARP-UnitedHealthcare

$156 - Central States

$175 - Humana

$189 - United American

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan F

$128 - Cigna

$132 - Guarantee Trust Life

$132 - Equitable National Life

$134 - Liberty Bankers Life

$135 - Thrivent

$137 - Shenandoah Life

$138 - Combined Insurance

$143 - National Guardian Life

$147 - Humana

$148 - Transamerica

$149 - Philadelphia American

$149 - Companion Life

$149 - American Retirement Life

$150 - Greek Catholic Union

$151 - AARP-UnitedHealthcare

$156 - Medico

$159 - Manhattan Life

$160 - Continental Life

$162 - individual Assurance

$168 - Oxford Life

$179 - CSI Life

$181 - Pekin Life

$181 - Central States

$184 - Humana

$200 - United American

$215 - Gerber

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan F (High Deductible)

$29 - United American

$37 - Cigna

$43 - Philadelphia American

$46 - Humana

$47 - Medico

$47 - Mutual Of Omaha

$54 - Continental Life

$85 - Pekin Life

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan G

$99 - Cigna

$103 - Shenandoah Life

$103 - Equitable National Life

$106 - Thrivent

$108 - National Guardian Life

$109 - Continental Life

$109 - Guarantee Trust Life

$111 - Manhattan Life

$114 - Philadelphia American Life

$116 - Humana

$116 - Combined Insurance

$119 - Individual Assurance

$121 - Greek Catholic Union

$124 - Pekin Life

$127 - Medico

$129 - Companion Life

$129 - Oxford Life

$129 - AARP-UnitedHealthcare

$135 - CSI Life

$137 - Transamerica

$139 - Central States

$150 - Gerber

$178 - United American

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan N

$85 - Cigna

$86 - Thrivent

$87 - Equitable National Life

$87 - Shenandoah Life

$89 - Guarantee Trust Life

$92 - Continental Life

$92 - Greek Catholic Union

$93 -Liberty Bankers Life

$93 - National Guardian Life

$95 - Manhattan Life

$95 - Philadelphia American

$96 - American Retirement Life

$98 - Humana

$98 - AARP-UnitedHealthcare

$99 - Mutual Of Omaha

$100 - Individual Assurance

$105 - CSI Life

$110 - Medico

$113 - Central States

$117 - Transamerica

$118 - Combined Insurance

$121 - Oxford Life

$140 - United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan A

$81 - Philadelphia American

$81 - AARP-UnitedHealthcare

$86 - Humana

$87 - Companion Life

$89 - Shenandoah Life

$90 - Combined Insurance

$92 - CSI Life

$94 - Gerber

$94 - Equitable National Life

$95 - Transamerica

$95 - Prosperity Life

$96 - Continental Life

$96 - Manhattan Life

$96 - Guarantee Trust Life

$96 - Thrivent

$99 - American Retirement Life

$101 - Greek Catholic Union

$101 - Cigna

$102 - United American

$106 - National Guardian Life

#114 - Individual Assurance

$126 - Oxford Life

$167 - Pekin Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan B

$112 - Central States

$119 - AARP-UnitedHealthcare

$123 - Manhattan Life

$124 - Continental Life

$136 - Transamerica

$154 - United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan C

$116 - Philadelphia American

$146 - Manhattan Life

$151 - AARP-UnitedHealthcare

$151 - Central States

$161 - Transamerica

$189 - United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F

$136 - Philadelphia American Life

$138 - Combined Insurance

$145 - Shenandoah Life

$147 - Humana

$148 - Thrivent

$149 - Companion Life

$151 - Equitable National Life

$151 - AARP-UnitedHealthcare

$153 - Liberty Bankers Life

$159 - Manhattan Life

$160 - Guarantee Trust Life

$160 - Continental Life

$161 - Cigna

$162 - Transamerica

$171 - Aetna

$171 - American Retirement Life

$173 - Mutual Of Omaha

$173 - Greek Catholic Union

$175 - Medico

$177 - Oxford Life

$179 - CSI Life

$187 - Individual Assurance

$189 - Pekin Life

$200 - United American

$216 - Gerber

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F (High Deductible)

$29 - United American

$39 - Philadelphia American

$46 - Humana

$47 - Mutual Of Omaha

$47 - Cigna

$53 - Medico

$54 - Continental Life

$86 - Pekin Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan G

$104 - Philadelphia American

$109 - Continental Life

$109 - Shenandoah Life

$111 - Manhattan Life

$116 - Combined Insurance

$116 - Equitable Life

$117 - Thrivent

$118 - Equitable National

$124 - Liberty Bankers Life

$124 - Cigna

$129 - AARP-UnitedHealthcare

$129 - Companion Life

$129 - Pekin Life

$132 - Guarantee Trust Life

$135 - CSI Life

$136 - Oxford Life

$137 - Individual Assurance

$139 - Greek Catholic Union

$139 - Central States

$142 - Mutual Of Omaha

$143 - Medico

$149 - Transamerica

$150 - Gerber

$178 - United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan N

$86 - Philadelphia American

$92 - Continental Life

$93 - Shenandoah Life

$95 - Manhattan Life

$98 - Humana

$98 - AARP-UnitedHealthcare

$99 - Mutual Of Omaha

$99 - Thrivent

$100 - Equitable National Life

$105 - CSI Life

$106 - Liberty Bankers Life

$107 - Cigna

$107 - Greek Catholic Union

$109 - Guarantee Trust Life

$110 - American Retirement Life

$113 - Central States

$115 - Individual Assurance

$118 - Combined Insurance

$125 - Medico

$127 - Oxford Life

$127 - Transamerica

$140 - United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan B

$104 - Manhattan Life

$106 - Continental Life

$119 - AARP-UnitedHealthcare

$125 - Transamerica

$144 - Humana

$154 - United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan C

$116 - Philadelphia American Life

$124 - Manhattan Life

$148 - Transamerica

$151 - AARP-UnitedHealthcare

$167 - Humana

$189 - United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F

$119 - Equitable National Life

$120 - Thrivent

$120 - Shenandoah Life

$120 - Combined Insurance

$121 - Companion Insurance

$121 - Liberty Bankers Life

$121 - Guarantee Trust Life

$127 - Cigna

$130 - National Guardian Life

$133 - American Retirement Life

$133 - Greek Catholic Union

$134 - Oxford Life

$135 - Philadelphia American Life

$135 - Manhattan Life

$137 - Continental Life

$137 - Humana

$145 - Individual Assurance

$148 - Transamerica

$148 - Pekin Life

$149 - CSI Life

$150 - Oxford Life

$151 - Medico

$151 - AARP-UnitedHealthcare

$153 - Central States

$160 - Equitable Life

$181 - Gerber

$200 - United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F (High Deductible)

$29 - United American

$37 - Cigna

$39 - Philadelphia American Life

$43 - Humana

$44 - Medico

$46 - Continental Life

$67 - Pekin Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan G

$90 - Shenandoah Life

$90 - Thrivent

$93 - Continental Life

$93 - Equitable National Life

$94 - Manhattan Life

$98 - Cigna

$98 - Liberty Bankers Life

$98 - National Guardian Life

$100 - Guarantee Trust Life

$101 - Combined Insurance

$101 - Pekin Life

$102 - Equitable Life

$104 - Philadelphia American Life

$104 - Companion Life

$106 - Individual Assurance

$102 - Equitable

$104 - Companion Life

$107 - Greek Catholic Union

$107 - American Retirement Life

$108 - Humana

$112 - CSI Life

$115 - Oxford Life

$117 - Central States

$120 - Medico

$126 - Gerber

$129 - AARP-UnitedHealthcare

$136 - Transamerica

$178 - United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan N

$76 - Thrivent

$77 - Shenandoah Life

$79 - Equitable National Life

$79 - Continental Life

$80 - Manhattan Life

$82 - Greek Catholic Union

$82 - Guarantee Trust Life

$84 - Liberty Bankers Life

$84 - Cigna

$85 - National Guardian Life

$85 - American Retirement Life

$86 - Philadelphia American Life

$88 - CSI Life

$89 - Individual Assurance

$91 - Humana

$95 - Central States

$98 - AARP-UnitedHealthcare

$103 - Combined Insurance

$104 - Medico

$108 - Oxford Life

$116 - Transamerica

$140 - United American

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan B

$95 - Central States

$104 - Manhattan Life

$106 - Continental Life

$119 - AARP-UnitedHealthcare

$125 -Transamerica

$154 - United American

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan C

$116 - Philadelphia American Life

$124 - Manhattan Life

$132 - Central States

$148 - Transamerica

$151 - AARP-UnitedHealthcare

$189 - United American

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan F (High Deductible)

$29 - United American

$37 - Cigna

$39 - Philadelphia American Life

$43 - Humana

$44 - Medico

$46 - Continental Life

$70 - Pekin Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Starke, Marshall, Kosciusko,  and Noble Counties Plan F

$114 - Thrivent

$120 - Equitable National

$120 - Shenandoah Life

$120 - Combined Insurance

$121 - Companion Life

$121 - Liberty Bankers Life

$121 - Guarantee Trust Life

$126 - Cigna

$133 - Greek Catholic Union

$133 - American Retirement Life

$135 - Philadelphia American Life

$135 - Manhattan Life

$137 - Continental Life

$145 - Individual Assurance

$146 - Pekin Life 

$148 - Medico

$148 - Transamerica

$149 - CSI Life

$149 - Mutual Of Omaha

$150 - Oxford Life

$151 - AARP-UnitedHealthcare

$160 - Equitable

$176 - Humana

$180 - Gerber

$200 - United American

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusco, Starke, Marshall, and Noble Counties Plan G

$91 - Shenandoah Life

$93 - Continental Life

$93 - Equitable National

$94 - Manhattan Life

$95 - Thrivent

$97 - Cigna

$98 - National Guardian Life

$98 - Liberty Bankers Life

$100 - Guarantee Trust Life

$101 - Combined Insurance

$101 - Pekin Life

$102 - Equitable

$104 - Companion Life

$104 - Philadelphia American Life 

$106 - Individual Assurance

$107 - Greek Catholic Union

$107 - American Retirement Life

$108 - Humana

$112 - CSI Life

$115 - Oxford Life

$117 - Central States

$120 - Medico

$122 - Mutual Of Omaha

$126 - Gerber

$129 - AARP-UnitedHealthcare

$137 - Transamerica

$178 - United American

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan N

$77 - Shenandoah Life

$77 - Thrivent

$79 - Continental Life

$79 - Equitable National

$80 - Manhattan Life

$82 - Greek Catholic Union

$82 - Guarantee Trust Life

$84 - Liberty Bankers Life

$84 - Cigna

$85 - Mutual Of Omaha

$85 - National Guardian Life

$86 - American Retirement Life

$86 - Philadelphia American Life

$88 - CSI Life

$89 - Individual Assurance

$91 - Humana

$95 - Central States

$98 - AARP-UnitedHealthcare

$103 - Combined Insurance

$105 - Medico

$108 - Oxford Life

$117 - Transamerica

$140 - United American

 

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

 

Note: "Rate Watch" is an online service that allows consumers to view recent price increase and decrease requests submitted by their insurer. Medicare Supplement, Health, and Long-Term Care coverage can be accessed. Vision and dental coverage is also included in the database. Information provided with each search includes date submitted, insurance company, filing number, filing status, impacted form numbers, average rate change requested, and average rate change approved. Compliance and proper business practices are reviewed when a filing is submitted.

Generally, most (or all) of the requested price increase or decrease is granted. Comments may be submitted.  Several date ranges may be chosen. However, choosing current dates may result in an incomplete result since a ruling may not have been made by the DOI. Information can also be viewed by visiting the DOI downtown Indianapolis office.

 

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, and they can be contacted by phone. Training sessions are offered in Indianapolis, Richmond, Yorktown, Vincennes, Wabash, Danville, Carmel, Bloomington, South Bend, New Albany, Crown Point, Terre Haute, and Lafayette.

Brochures and hard-copy guides can also be provided. 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.

Providing Medicare Advantage and Long Term Care information.

Helping with the filing of a compensation fund certificate of insurance.