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Medicare Supplement Insurance Plans in Indiana


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What is a Medicare Supplement insurance plan?

A Medicare Supplement (Medigap) insurance plan in Indiana is designed to cover some of the out-of-pocket costs associated with Original Medicare (Part A and Part B), as it is in other states. These costs might include deductibles, coinsurance, copayments, and other out-of-pocket expenses typically paid by the beneficiary. Some Medigap policies include emergency medical care when you’re out of the country. Medicare Supplement insurance plans are sold by private insurance companies. Beneficiaries are responsible for paying the monthly premium for a Medigap plan, as well as the premium for Medicare Part B.

In 47 states, including Indiana, there are 10 standardized Medigap plans named with letter designations, such as Medigap Plan L. Medicare Supplement insurance plans of the same letter provide the same benefits no matter which private insurance company you buy the policy from or where you buy it. For example, Medigap Plan L from an insurance company in Bloomington covers the same Medicare Part A and Part B out-of-pocket costs as a Medigap Plan L in Gary, or Medigap Plan L in a different state. But the plan costs and availability often vary among insurance companies and locations.

In Indiana, a Medicare Supplement insurance plan doesn’t generally provide additional coverage for items and services like eyeglasses and contacts or hearing aids. And Medigap plans sold today don’t cover prescription medications. If you’re looking for these benefits, you might want to consider a Medicare Advantage Prescription Drug plan, which includes your Original Medicare benefits plus prescription drug coverage. Or, to add prescription drug coverage only, you can stay enrolled in Original Medicare and add a Medicare Part D Prescription Drug Plan.

Enrolling in a Medicare Supplement insurance plan in Indiana

A good time to sign up for a Medigap plan is during your Medigap Open Enrollment Period (OEP), a six-month period that starts the month that you are 65 years old and have Medicare Part B. If you sign up during this period, you’ll have a “guaranteed issue right” to acceptance into the plan; that is, you won’t be subject to medical underwriting. If you sign up during your Medigap OEP for a Medigap plan sold in your area, the Medigap insurance company offering the plan cannot deny you coverage even if you have health problems. The company also cannot charge a higher premium than it would to a beneficiary in good health.

Once you’re enrolled in a Medigap plan, your coverage is guaranteed renewable every year unless you fail to pay your monthly premium, you weren’t truthful on the application or the Medigap insurance company becomes bankrupt or insolvent.

Choosing a Medicare Supplement insurance plan in Indiana

As mentioned above, most states offer 10 different types of Medicare Supplement insurance plans. You might want to think about how often you have doctor visits and other health-care services, and choose a Medigap plan accordingly; each lettered plan has a different level of coverage.

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