Indiana Medicare Advantage and Medicare Supplement Plans 2011
Medicare Supplement Insurance (Medigap) Policies
The state of Indiana does not have a requirement in place for insurers to sell Medicare Supplement Insurance policies to people who are under 65 years of age.
The Indiana Comprehensive Health Insurance Association (ICHIA) exists for individuals who would experience difficulty either acquiring or maintaining health insurance based on a pre-existing condition. The program provides health benefits that include physician and mental health services, coverage for hospital care, and prescription drugs. ICHIA offers a Preferred Provider Organization Plan offered through Anthem Blue Cross and Blue Shield, and administered by ACS Healthcare Solutions.
Mini-COBRA Policies (Small Group)
Indiana does not currently mandate continuation coverage for small employers.
Medicare Savings Program
For residents of the Hoosier State qualifying for Original Medicare, there are three Medicare Savings Programs, which are:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,480 and couples with a monthly income under $1,987, the state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1,820 per month or couples with monthly income under $2,445, the state pays premiums for Medicare Part B.
- Qualified Individuals (QIs): For individuals with income under $1,820 per month or couples with a monthly income under $2,445, the state pays premiums for Medicare Part B.
State Health Insurance Assistance Program (SHIP)
The local Indiana SHIP Program offers free, unbiased assistance to help you understand your Medicare benefits. Indiana SHIP is a confidential and one-on-one Medicare beneficiary counseling service for residents throughout the state.
The Indiana SHIP provides education, counseling, and information concerning:
- Medicare Parts A and B (Original Medicare)
- Part C Medicare Advantage Plans (i.e. HMOs, PPOs, etc.)
- Part D Prescription Drug Plans
- Medicare Supplemental Insurance (Medigap)
- Prescription assistance programs
- Long-term care insurance
- Health care rights and protections
- Low-income assistance programs
Indiana SHIP provides advocacy for Medicare beneficiaries regarding claim questions and disputes that may arise. SHIP is staffed by trained volunteers who are certified to provide Medicare beneficiaries with assistance. Indiana SHIP receives some of it’s funding by a grant provided through the Centers for Medicare and Medicaid Services (CMS).
Low-Income Subsidy for Prescription Drugs (Extra Help)
Extra Help is available for Indiana residents with limited income and financial resources to pay for Medicare prescription drug costs (Part D). Individuals with monthly income of less than $1,478 and resources of less than $13,440, as well as couples with monthly income of less than $1,986 and resources of less than $26,860, may qualify for Extra Help program assistance.
As a resident of Indiana, consider consulting with one of our MedicareSolutions.com insurance specialists for personal assistance specific to your area. An knowledgeable specialist can help you compare the plans available in your area in order to find the Medicare insurance benefits that are right for your needs.