Medicare Hope
Indiana
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Life is precious. Plus, being healthy and alive is a gift denied to many. Growing older makes us more prone to contracting diseases or illnesses, some requiring expensive medications while others hospitalization. While technological advancements are booming, healthcare costs are skyrocketing, too.

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What You Need to Know About Medicare Insurance in Indiana

In most cases, Medicare coverage is automatically activated when an individual reaches the age of 65. In addition, a person is eligible for Medicare if they have received disability benefits from the Railroad Retirement Board or social security insurance for at least 24 months. Those with ALS or ESRD can also enroll in Medicare plans if they meet the terms and conditions.

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Premiums for Medigap in Indiana

Medigap insurers in Indiana set their premiums in three ways:

Attained-age rating

Most insurance companies around the country use the attained-age rating method. A person’s premiums go higher as they become older since the insurer can raise them depending on the enrollee’s age.

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Medicare Advantage

Many people in Indiana prefer Medicare Advantage plans, also known as Medicare Part C. These are generally offered by private insurance carriers approved by Medicare. Private insurance providers have contracts with Medicare to combine Part A and Part B coverage into a single policy. They offer the same coverage as the Original Medicare but with added benefits like prescription drug coverage (Part D), vision, dental, hearing, health and wellness programs, adult day care services, transportation to and from medical facilities, and yearly limits on out-of-pocket medical expenses. It’s a great choice for those looking to have their prescription drug and healthcare benefits bundled together in a single plan.

Many Medicare Advantage plans are available in Indiana with different coverage when it comes to benefits the Original Medicare doesn’t cover. Typically, if Original Medicare offers a certain benefit, all Medicare Advantage plans also cover it.

However, before investing, consider what the plan is costing you. Medicare Advantage plans in Indiana have monthly premiums, but you can find providers offering Medicare Advantage with premiums as low as $0. However, regardless of the Medicare Advantage plan type you sign up for, you need to continue paying the Medicare Part B premium in addition to the plan’s premium. Moreover, you will also find options where deductibles, co-payments, and coinsurance are also either incredibly low or zero.

People in Indiana must also consider the type of plan they want as they vary in the way you can access specialists, primary care practitioners, and use networks. You can use our Medicare plan finder tool available on our website to check how many Medicare Advantage plans are available in your area. There are four main types of Medicare Advantage plans in Indiana:

Health Maintenance Organization (HMO)

The Health Maintenance Organization is an insurance structure very popular in Indiana since it provides coverage through a network of physicians for a monthly or annual fee. It’s a conglomeration of medical insurance providers that offers comprehensive health insurance plans with coverage of medical care provided by your doctors and healthcare providers who are under a contract with them.

Since the healthcare providers have patients directed to them, these contracts allow the costs and premiums to be significantly reduced. To be eligible for the HMO, you must have a primary care physician (PCP), a specialist’s referral, and approvals for certain treatments and drug prescriptions.

Preferred Provider Organization (PPO)

The PPO is another popular health insurance plan consisting of a network of medical professionals, facilities like primary and specialty physicians, and hospitals in contract with insurance providers that provide services to enrolled participants.

However, it offers much more flexibility, as you’re not required to select the PCP or get specialty referrals. The PCP healthcare plans also include prescription drug coverage. Subscribers can seek coverage outside the network, but those premiums cost relatively higher.

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Medicare Advantage vs. Medigap Coverage in Indiana

Since Medigap plans are designed to supplement the Original Medicare plans, they’re standardized across the United States. However, Medicare Advantage plans provide an alternative way of receiving the benefits offered by Medicare.

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Medicare Enrollment in - Indiana

Initial Enrollment

The initial registration period begins three months before and ends three months after your 65th birthday. This is the time to enroll if you have never had Medicare before. You can also change or update your current Medicare plan if you began receiving it at a younger age.

General Enrollment

For those who missed the initial enrollment time, you get another window that runs from January 1 to March 31. During this period, you can enroll in Original Medicare (Parts A and B), Medicare Advantage (Part C), Medigap, and Part D plans.

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Partner with Us to Get the Right Insurance Plan

Integrity Now Insurance Brokers boasts a team of qualified Medicare Insurance agents that will play an active role in helping you find the right health insurance company and plan in Indiana.

Our Medicare Insurance brokers have ample experience working with senior citizens, youths with any disabilities, and other individuals that may need help with Medicare and Medigap to take care of their medical expenses. We’ve helped countless clients understand the complexities and jargon that were in the way of them getting themselves suitable Medicare insurance in Indiana.

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