Welcome, here you will learn about Indiana Medicare and Indiana Medicare supplemental insurance. Our goal is to provide the knowledge to choose a Medicare supplement plan that best fulfills your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Indiana Medicare?
Indiana Medicare is merely Medicare run within the state of Indiana. Medicare is our country’s health insurance program for people age 65 or older. Some people younger than age 65 can receive Medicare if they have certain disabilities. The program helps with the cost of healthcare, but it fails to cover all medical expenses or the cost of most long-term care.
When do I need to sign up for Indiana Medicare?
If you are not already receiving retirement benefits you will want to contact Social Security around three months before your 65th birthday to sign up for Medicare. It is possible to enroll in Medicare even if you do not plan to retire at 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical expenses once you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 daily for days 61-90 hospital room and board, $578 daily after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors may charge as much as 15% above what Medicare authorizes)
Though Medicare will cover a substantial percentage of your Medical expenses there are lots of gaps left for you to pay. These gaps can certainly strain a person’s financial resources. A Indiana Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very reasonably priced for most people.
Indiana Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized these plans. This means that all plans identified by the same letter provide exactly the same coverage whether or not you get your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Indiana Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all of the gaps left both in Medicare Part A and Part B.
Indiana Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F with the exception of not covering the annual Medicare Part B deductible. For many this is often the best choice when you don’t mind paying the yearly deductible instead of the sometimes higher monthly premiums for Medicare supplement plan F.
Indiana Medicare supplement plan N: Unlike Medicare supplement plan F this plan has a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while still giving you the freedom and stability of a Medicare supplement. This plan also does not cover excess charges.
There are numerous insurance companies selling Indiana Medicare supplement plans and the rates can vary greatly from company to company. Many who do not utilize the services of an independent agent end up paying over 40-50% extra a month for their insurance! It is a shame especially when getting your
Medicare supplement insurance through us cost you absolutely nothing.Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.