Indiana Medicare Plans
Medicare is the federal health insurance program run by the government to facilitate senior citizens (65+) with free insurance program.
The plan is available for those as well who may qualify because of a disability or another special situation. Medicare comes as the great help for millions of American seniors and disabled individuals who want budget to pay for their health care costs.
Medicare Part A&B (Original Medicare):
Medicare Part A, also called original Medicare is a hospital insurance coverage that covers certain expenses incurred during an inpatient hospital stay. The coverage includes the expenses bored on room fees, meals, operating room, lab tests and X-rays. Medicare Part A coverage also includes expenses you pay for necessary medical supplies and drugs that are administered during your hospital stay. The coverage however doesn’t include the fees you pay to doctors during the hospital care.
The Medicare part B offers coverage for medically necessary outpatient services that include routine doctor visits, emergency medical services and some preventive care services as well. Medicare Part B even includes the coverage for equipment and tests administered during these outpatient services. Though, Medicare Part B includes coverage for some medication administered during your visit, yet it doesn’t cover the expenses drugs you are prescribed by the doctor to take after the visit.
Medicare Advantage (Part C):
If you’re already receiving benefits of original Medicare A & B, you can go for Medicare Part C. The plan is also known as Medicare Advantage. In Indiana, Medicare Advantage plans are offered by private health insurance companies to complement Medicare Part A and Part B benefits (hospital and medical) for beneficiaries.
If you’re eligible for original Medicare, you would automatically eligible for Medicare advantage plans. This means, if you have Medicare Part A and Part B, you can apply for Medicare Part C. However, you have to be a resident of the service area for the Medicare Advantage plan that you’re considering.
Following are the different Medicare Advantage plans in Indiana:
- HMO (Health Maintenance Organization plan)
- PPO (Preferred Provider Organization plan)
- PFFS (Private Fee-for-Service plan)
- SNP (Special Needs Plans)
- HMO-POS (Health Maintenance Organization – Point of Service plan)
- MSA (Medical Savings Account plan)
Medicare Part D:
Medicare Part D is also known as prescription drug coverage. The plan is offered by private insurance companies that have Medicare approval. Beneficiaries having Original Medicare, Part A and/or Part B can sign up for the plan if they reside in the service area of a Medicare Prescription Drug Plan.
Under the Medicare Prescription Drug plans, those drugs are covered that doctors most often prescribe for people enrolled in Medicare. Drugs under the Medicare Part D are decided by the U.S. government.