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Medicare Advantage Plans (Part C) in Indiana

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Understanding Medicare Advantage Plans in Indiana

Indiana is known as the Crossroads of America. If you’re swiftly approaching the age of 65, you’re about to encounter a personal crossroads of your own in the form of Medicare insurance. Medicare is federally administered and is a primary source of healthcare coverage for Indiana residents 65 years of age and older. It can also be a source of insurance for certain younger disabled persons. Part of successfully navigating these personal crossroads of your healthcare coverage is knowing your options regarding Medicare Advantage plans in Indiana.

If you’ve been doing your research, you already know that Medicare Advantage plans are also called Medicare Part C. Either way, it’s coverage for Medicare Part A (hospital insurance) and/or Medicare Part B (medical/doctor’s office insurance). Indianans can purchase a Medicare Advantage plan in Indiana through private insurance companies. Medicare Advantage insurance is approved by Medicare, offers at least the same level of coverage as Medicare Part A and Part B and replaces coverage by Medicare Part A and Medicare Part B.

Many people select a Medicare Advantage plan because of the additional benefits included. Indiana residents needing coverage for hearing, vision, dental and other routine medical services should consider a Medicare Advantage plan in Indiana because these types of benefits are typically included.

Understanding Medicare Advantage Plans in Indiana

Indiana is known as the Crossroads of America. If you’re swiftly approaching the age of 65, you’re about to encounter a personal crossroads of your own in the form of Medicare insurance. Medicare is federally administered and is a primary source of healthcare coverage for Indiana residents 65 years of age and older. It can also be a source of insurance for certain younger disabled persons. Part of successfully navigating these personal crossroads of your healthcare coverage is knowing your options regarding Medicare Advantage plans in Indiana.

If you’ve been doing your research, you already know that Medicare Advantage plans are also called Medicare Part C. Either way, it’s coverage for Medicare Part A (hospital insurance) and/or Medicare Part B (medical/doctor’s office insurance). Indianans can purchase a Medicare Advantage plan in Indiana through private insurance companies. Medicare Advantage insurance is approved by Medicare, offers at least the same level of coverage as Medicare Part A and Part B and replaces coverage by Medicare Part A and Medicare Part B.

Many people select a Medicare Advantage plan because of the additional benefits included. Indiana residents needing coverage for hearing, vision, dental and other routine medical services should consider a Medicare Advantage plan in Indiana because these types of benefits are typically included.

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Am I Eligible for a Medicare Advantage Plan in Indiana?

One low hurdle to pass is eligibility. Depending on if the zip code or county where you live sells Medicare Advantage plans and if you’re eligible for Medicare Parts A and B, you’re also eligible for Medicare Advantage (MA) enrollment. A Medicare Advantage plan often saves money because many Medicare Advantage plans have $0 monthly premiums. Deductibles, copayments and coinsurance vary depending on the Medicare Advantage plan in which you choose to enroll.

Indiana residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement (Medigap) plan at the same time. A Medicare Supplement plan (Medigap) helps provide coverage for some of the gaps in coverage including copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Will a Medicare Advantage Plan in Indiana Cover My Prescription Drugs?

Any resident of the 92 counties in Indiana who is looking for prescription drug coverage should consider buying a Medicare Part C plan because most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage plan including prescription drug coverage is called a MAPD and can help cover the cost of prescriptions.

Indiana residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement (Medigap) plan at the same time. A Medicare Supplement plan (Medigap) helps provide coverage for some of the gaps in coverage including copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Will a Medicare Advantage Plan in Indiana Cover My Prescription Drugs?

Any resident of the 92 counties in Indiana who is looking for prescription drug coverage should consider buying a Medicare Part C plan because most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage plan including prescription drug coverage is called a MAPD and can help cover the cost of prescriptions.

How to Choose from the Most Popular Medicare Advantage Plans in Indiana?

Finding the right Medicare Advantage plan in Indiana is as unique as the person the plan is there to support. Among Indiana residents who are enrolled in a Medicare Advantage plan, 55% enroll in a Local PPO plan, 36% enroll in an HMO/HMOPOS while 8% select a Regional PPO, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage Plan in Indiana for your needs.

You can become more informed about Medicare Advantage plans available in Indiana by contacting a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you find a plan that meets your budget and needs.

When’s Enrollment Time for Medicare Advantage Plans in Indiana?

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in Indiana opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re an Indianan with a November birthday, your IEP runs from August through February.

You may also enroll in a Medicare Advantage plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (AEP), which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Indiana residents can:

  • Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
  • Change from one Medicare Advantage Plan to another
  • Switch from one Prescription Drug (Part D) plan to another
  • Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Indiana residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is an Indiana Medicare Advantage Plan Right for You?

When you’re ready to ensure you are getting all the available benefits you deserve, SelectQuote can help. We can also help you stay up to date on the annual updates insurance companies make to Medicare plans. As a trusted independent third-party company, SelectQuote is here to help Indiana residents find the right Medicare Advantage plan to meet individual needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

Is an Indiana Medicare Advantage Plan Right for You?

When you’re ready to ensure you are getting all the available benefits you deserve, SelectQuote can help. We can also help you stay up to date on the annual updates insurance companies make to Medicare plans. As a trusted independent third-party company, SelectQuote is here to help Indiana residents find the right Medicare Advantage plan to meet individual needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.