View Senior health insurance supplement rates and coverage in Indiana from multiple companies and reduce out-of-pocket costs that may not be covered by Original Medicare. Medigap plans offered by major insurers, help pay for copays, coinsurance, deductibles, services, excess charges, and other expenses. State and Federal legislation helps protect Hoosier State residents, since these types of policies are regulated and constantly reviewed. Our comparison charts help you understand the differences between plans. A 2020 “Plan Finder” is also available.

A six-month Open Enrollment period is available when you reach age 65 and complete your enrollment in Medicare Part B. During this period, medical questions are not asked, and pre-existing conditions and/or future medical treatment does not affect the cost of coverage. This period starts when your Part B benefits become effective. You also may continue to work beyond age 65 and retain eligibility. If you are currently disabled, and have not yet reached age 65, several carriers offer Supplement contracts.

In Indiana, 12 standardized policies are available that identify with letters A, B, C, D, F, G, K, L, M, and N. There are two “F” plans since a high-deductible option is offered. Benefits can not vary from one company to another. However, rates are different, and separate pricing may occur, depending upon your County of residence. Some expenses that are not covered by Medicare, such as prescription drugs, can be covered by supplements. Separate Part D plans are also offered. These contracts can also be purchased by persons with Advantage plans that do not have drug coverage.

Plans C and F are no longer available for new enrollees. However, existing policyholders can retain their current plan or switch to another plan. However, once you change from Plans C or F, you may not return to those plans. These two plans are the only options that pay the Part B deductible.

All carriers are required to offer Plan A, which is considered a core plan, since its benefits are contained in all options. For example, $341 per day of hospital confinement is payed for 61-90 days, and $682 for days 91-150. The potential out-of-pocket expenses for uncovered benefits are $1,364, and $10,050. A Skilled nursing confinement copay of $170.50 per day for days 21-100 can also result in $13,400 of expenses without a Medigap plan.  An extra 365 days is covered after Medicare benefits cease. The Part B copayment is also covered, and generally it is 20% of the approved Medicare amount.

The Centers for Medicare and Medicaid Services is an official government site that helps regulate coverage. They are part of the Department of Health and Human Services (HHS). Updated versions of publications are provided each year. Depending on your county of residence, new products may become available.

Benefits Provided Other Than Part A

Once the contract out-of-pocket expenses limit has been reached, all copayments, coinsurance, and deductibles are covered. Until the annual out-of-pocket limit has been met, specific services may have to be paid. Listed below are additional benefits covered under selected Supplement plans (other than Plan A):

Part A Deductible – The amount not payed if you are hospitalized. Currently, it is $1,364 (increase of $24 from last year) and it is applicable for each separate stay. Part A covers inpatient hospital, skilled nursing, hospice care, and limited health care services. Most persons don’t pay a Part A premium since they have credits for at least 40 quarters of Medicare-covered work. Coinsurance for days 61-90 in the hospital has increased to $341.

Part B Deductible – Covers outpatient services, physician services, some home health services, durable medical equipment, and annual physical costs not paid by Medicare. Three pints of blood is also covered. The current deductible is $185 (increase of $2 from last year). The cost of the premium is $135.50. On Plan L, the out-of-pocket limit is $2,780.

Skilled Nursing Facility Copay – Days 21-100 at a cost of $170.50 per day.

Foreign Travel Emergency – Medical treatment outside the US is not covered. However, MedSup plans pay 80% of qualified emergency expenses for the first 60 days. The maximum payout is $50,000 (lifetime).

Excess Part B Expenses – Charges up to 15% higher than Medicare-approved amount are covered. The coinsurance can vary between 0% and 20%.

At Home Recovery – $1,600 per year is offered for qualified expenses, such as home visits (from nurses, and other qualified professionals) that help with routine daily activities. Generally, home health coverage must currently be provided, or it has been less than eight weeks since the last approved Medicare visit.

Blood – First three pints of blood.

Part B Preventative Care Coinsurance –  With no copay or deductible, many qualified services are covered, including (but not limited to) routine annual physicals, bone mass measurement, diabetes and mammogram screening, pap test and pelvic exam, cardiovascular disease and colorectal screenings, OBGYN exams, and hepatitis B, pneumonia, and H1N1 flu vaccines. Nutrition therapy and smoking cessation counseling are also included.

Several expenses are not covered. These include prescription drugs, private duty nurses, hearing aids, eyeglasses, contacts, routine dental and vision care, and long-term nursing care. Stand-alone Part D prescription plans are offered by many companies.

How Rates Are Calculated

The rate you pay can be determined by the carrier in three separate ways:

Attained Age: The premium you pay is solely based on your age at the time of enrollment. Therefore, initially, the cost may be less expensive than other options. However, as you get older, the premium also increases. Although prices are typically competitive at ages 65 to age 75, at higher ages, plan rates can be quite high compared to many other plans.

Issue Age – The cost of coverage is based on your age at the time you apply for a policy. Thus, buying a policy at younger ages (65-70), your premiums do not increase, other than for inflation and an overall carrier increase. General increases in healthcare can also impact your rate.

No Rating – Regardless of your age, rates are identical. Although not utilized very often, when available, older applicants receive very favorable pricing. However, younger applicants generally pay more for coverage when compared to the other two methods of rating.

NOTE: Medicare Select plans are offered by several private carriers. Although the premium is typically lower than most other plans, to receive full benefits, you must use a specific network of doctors and hospitals, which can be very restrictive. For example, the Part A deductible is typically covered when you are treated inside the network. However, unless it is an emergency, an out-of-network hospital visit may result in some or all of the deductible not being covered.

ID Cards

Recently, the look of your Medicare ID Cards changed. The social security number, gender, and signature have been removed. Appearing on the front of the card is your name, Medicare number, and the dates when your Part A and Part B benefits began. Cards were mailed in the early summer. The Railroad Retirement Board mailed cards to their retired employees. Benefits and cost of coverage are not impacted, and other ID cards (Advantage, Supplement, or Part D prescription drug) will not change. The previous red, white, and blue card should be cut up and discarded. The effective date of the new card is when it is received.

Which Companies Offer Medicare Supplement Coverage In Indiana?

Although we have more than 39 years of experience offering expert and unbiased advice, we do not “rate” carriers that provide Senior benefits. However, each company must be properly registered and approved by the Department of Insurance (DOI) before they advertise or offer any product. Below, we have listed the companies that have been approved by the Department of Insurance (DOI) to sell Medigap contracts, and the plans they offer. Not all carriers sell all available contracts. Also, the most appropriate plan for yourself, is likely not to match the specific needs of another person. “SELECT” plans will require the insured to use specific doctors and hospitals in a designated network.

AARP (UnitedHealthcare) – Plans A, B, C, F, G, K, L, N

American National – A, F, F (HD), G, N

American Retirement Life (Cigna)  – A, F, G, N

Anthem Blue Cross – A, F, G, N

Assured Life – A, F, G, N

Bankers Fidelity – A, F, F (HD), G

Central States – A, B, C, F, G, N

Cigna – A, F. F (HD), G, N

Colonial Penn – A, B, F, F (HD), G, K, L, M, N

Combined Insurance – A, F, G, N

Companion Life – A, F, G

Continental Life (Aetna) – A, B, F, F (HD), G, N

CSI Life (Central States) – A, F, G, N

Equitable National Life – A, F, G, N

Everence – A, C, F, G, L, N

Everest – A, C, D, F, G, N

Gerber – A, F, G

Globe Life – A, B, C, F, F (HD), G, N

GPM Health And Life – A, F, G, N

Great Southern Life (Americo) – A, F, F (HD), G, N

Greek Catholic Union – A, F, G, N

Guarantee Trust Life – A, F, G, N.

Heartland – A, F, G, N

Humana – A, F, F (HD), G, N

Individual Assurance – A, F, G, N

Liberty Banker’s Life – A, F, G, N

Loyal Christian Benefit – A, F, G, N

Lumico Life – A, F, G, N

Medico – A, F, F (HD), G, N

Members Health (Farm Bureau) – A, B, C, D, F, G, M, N

National Guardian Life – A, F, G, N

Oxford Life – A, F, G, N

Pan American – A, F, G, N

Pekin Life – A, F, F (HD), G , N

Philadelphia American – A, C, D, F, F (HD), G, N

Physicians Mutual – A, D, F, F (HD), G, N

Polish Falcons Of America – A, F, G, N

Prosperity Life (USAA) – A, F, G

Puritan Life – A, F, G, N

Renaissance Life – A, F, G, N

Reserve National – A, C, F, F (HD), G, N

Sentinel Security – A, F, G, N

Shenandoah Life – A, F, G, N

State Farm – A, C, F

State Mutual – A, B, C, D, F, F (HD), G, M, N

The Order Of United Commercial Travelers Of America – A, B, C. D, F, G, N

Thrivent – A, F, G, N

Transamerica – A, B, C, D, F, G, K, L, M, N

Unified Life – A, F, F (HD), G, N

Union Security – A, F, G, N

United American – A, B, C, D, F, F (HD), G, K, L, N

United World Life (Mutual Of Omaha) – A, F, F (HD), G, N

USAA – A, F, G, N

Western United Life – A, C, F, G, N

Wisconsin Physicians Service – A, C, F, G, K, L, N

Indiana Medicare Supplement Plan Rates

Illustrated below are current monthly prices for several different counties. Rates shown are for females. Male rates are typically higher. Nicotine usage does not impact prices.

Age 65 Non-Smoker Marion and Hamilton Counties Plan A

$76 – AARP-UnitedHealthcare

$77 – CSI Life

$86 – Philadelphia American

$87 – Humana

$91 – Assured Life

$92 – Lumico Life

$95 – Aetna

$100 – Western United Life

$100 – Union Security

$100 – Guarantee Trust Life

$101 – Medico

$102 – Thrivent

$107 – Cigna

$108 – Great Southern Life

$109 – United World Life

$110 – Greek Catholic Union

$131 – Anthem

$152 – Oxford Life

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan B

$101 – Aetna

$115 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan C

$123 – Philadelphia American

$128 – Western United Life

$146 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan F

$124 – Assured Life

$127 – Thrivent

$127 – Union Security

$127 – Guarantee Trust Life

$128 – CSI Life

$129 – Western United Life

$129 – Great Southern Life

$131 – Anthem

$134 – Cigna

$135 – Lumico Life

$138 – United World Life

$143 – Philadelphia American

$144 – Humana

$146 – Medico

$149 – Aetna

$181 – Oxford Life

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan F (High Deductible)

$36 – United World Life

$39 – Great Southern Life

$39 – Cigna

$43 – Philadelphia American

$43 – Medico

$46 – Aetna

$49 – Humana

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan G

$96 – United World Life

$101 – Aetna

$102 – Cigna

$106 – Great Southern Life

$108 – Anthem

$108 – CSI Life

$108 – Union Security

$111 – Western United Life

$112 – Lumico Life

$113 – Humana

$113 – AARP-UnitedHealthcare

$113 – Thrivent

$119 – Medico

$121 – Philadelphia American

$129 – Oxford Life

$131 – Greek Catholic Union

 

Age 65 Non-Smoker Marion and Hamilton Counties Plan N

$79 – United World Life

$85 – CSI Life

$86 – Union Security

$87 – Thrivent

$88 – Cigna

$91 – Great Southern Life

$92 – Guarantee Trust Life

$92 – Greek Catholic Union

$93 – Assured Life

$95 – AARP-UnitedHealthcare

$97 – Aetna

$99 – Lumico

$99 – Humana

$101 – Philadelphia American

$102 – Anthem

$103 – Medico

$131 – Oxford Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan A

$76 – AARP-UnitedHealthcare

$86 – Philadelphia American

$87 – Humana

$93 – CSI Life

$110 – Lumico

$111 – Aetna

$111 – Assured Life

$118 – Western United Life

$120 – Medico

$126 – United World Life

$131 – Union Security

$131 – Thrivent

$137 – Cigna

$140 – Great Southern Life

$143 – Greek Catholic Union

$155 – Anthem BCBS

$160 – Oxford Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan B

$115 – AARP-UnitedHealthcare

$117 – Aetna

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan C

$123 – Philadelphia American

$146 – AARP-UnitedHealthcare

$151 – Western United Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F

$138 – Guarantee Trust Life

$143 – Philadelphia American Life

$144 – Humana

$147 – AARP-UnitedHealthcare

$151 – Assured Life

$152 – Western United Life

$153 – CSI Life

$160 – United World Life

$160 – Anthem BCBS

$164 – Medico

$164 – Thrivent

$167 – Great Southern Life

$171 – Cigna

$172 – Aetna

$191 – Oxford Life

$192 – Greek Catholic Union

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F (High Deductible)

$39 – Philadelphia American

$42 – United World Life

$46 – Medico

$48 – Great Southern Life

$49 – Cigna

$49 – Humana

$53 – Aetna

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan G

$110 – Philadelphia American

$111 – United World Life

$111 – Western United Life

$112 – Lumico Life

$113 – Humana

$113 – AARP-UnitedHealthcare

$113 – CSI Life

$113 – Assured Life

$117 – Aetna

$125 – Union Security

$128 – Cigna

$130 – Thrivent

$132 – Great Southern Life

$134 – Medico

$136 – Oxford Life

$136 – Anthem BCBS

$152 – Greek Catholic Union

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan N

$88 – CSI Life

$92 – Philadelphia American

$92 – United World Life

$93 – Assured Life

$94 – Western United Life

$95 – Lumico

$99 – Union Security

$99 – Humana

$101 – Thrivent

$101 – Continental Life

$109 – Medico

$110 – Cigna

$113 – Aetna

$113 – Great Southern Life

$115 – Medico

$129 – Anthem BCBS

$137 – Oxford Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan B

$101 – Aetna

$115 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan C

$123 – Philadelphia American Life

$128 – Western United Life

$146 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F

$124 – Assured Life

$127 – Union Security

$127 – Thrivent

$127 – Guarantee Trust Life

$128 – CSI Life

$129 – Western United Life

$129 – Great Southern Life

$131 – Anthem BCBS

$134 – Cigna

$135 – Lumico Life

$135 – Humana

$138 – United World Life

$143 – Philadelphia American Life

$145 – Greek Catholic Union

$146 – Medico

$149 – Aetna

$163 – Oxford Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F (High Deductible)

$36 – United World Life

$37 – Great Southern Life

$38 – Cigna

$39 – Philadelphia American Life

$41 – Medico

$46 – Humana

$46 – Aetna

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan G

$90 – Lumico

$93 – Assured Life

$94 – CSI Life

$94 – Western United Life

$95 – Union Security

$96 – United World Life

$100 – Cigna

$101 – Thrivent

$101 – Aetna

$102 – Great Southern Life

$104 – Guarantee Trust Life

$105 – Humana

$108 – Amthem BCBS

$113 – Medico

$113 – AARP-UnitedHealthcare

$115 – Oxford Life

$117 – Greek Catholic Union

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan N

$74 – CSI Life

$76 – Assured Life

$76 – Union Security

$78 – Thrivent

$79 – Lumico

$79 – United World Life

$80 – Western United Life

$82 – Greek Catholic Union

$82 – Lumico Life

$85 – Guarantee Trust Life

$86 – Cigna

$86 – Continental Life

$88 – Great Southern Life

$92 – Humana

$92 – Philadelphia American

$95 – AARP-UnitedHealthcare

$97 – Medico

$97 – Aetna

$102 – Anthem BCBS

$117 – Oxford Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan B

$101 – Aetna

$108 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan C

$123 – Philadelphia American Life

$128 – Western United Life

$137 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan F (High Deductible)

$36 – United World Life

$37 – Great Southern Life

$38 – Cigna

$39 – Philadelphia American Life

$41 – Medico

$46 – Humana

$46 – Aetna

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Starke, Marshall, Kosciusko, and Noble Counties Plan F

$124 – Assured Life

$127 – Union Security

$127 – Thrivent

$127 – Guarantee Trust Life

$128 – CSI Life

$129 – Western United Life

$129 – Great Southern Life

$134 – Cigna

$135 – Lumico Life

$135 – Humana

$138 – United World Life

$138 – AARP-UnitedHealthcare

$143 – Philadelphia American

$145 – Anthem BCBS

$145 – Greek Catholic Union

$146 – Medico

$149 – Aetna

$163 – Oxford Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusco, Starke, Marshall, and Noble Counties Plan G

$90 – Lumico

$93 – Assured Life

$94 – CSI Life

$94 – Western United Life

$95 – Union Security

$96 – United World Life

$100 – Cigna

$100 – Continental Life

$100 – Anthem BCBS

$101 – Thrivent

$101 – Aetna

$102 – Great Southern Life

$105 – Humana

$106 – Medico

$110 – Philadelphia American

$115 – Oxford Life

$138 – Gerber

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan N

$74 – CSI Life

$76 – Assured Life

$76 – Union Security

$78 – Thrivent

$79 – Lumico Life

$79 – United World Life

$79 – Western United Life

$82 – Greek Catholic Union

$86 – Cigna

$86 – Continental Life

$88 – Great Southern Life

$92 – Humana

$95 – Anthem BCBS

$95 – AARP-UnitedHealthcare

$97 – Aetna

$97 – Medico

$117 – Oxford Life

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan B

$101 – Aetna

$115 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan C

$123 – Philadelphia American

$128 – Western United Life

$146 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan F

$124 – Assured Life

$127 – Union Security

$127 – Thrivent

$127 – Guarantee Trust Life

$128 – CSI Life

$129 – Western United Life

$129 – Great Southern Life

$131 – Anthem BCBS

$134 – Cigna

$135 – Lumico Life

$137 – Humana

$138 – United World Life

$143 – Philadelphia American

$145 – Greek Catholic Union

$146 – Medico

$147 – AARP-UnitedHealthcare

$149 – Great Southern Life

$149 – Aetna

$163 – Oxford Life

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan F (High Deductible)

$36 – United World Life

$37 – Great Southern Life

$38 – Cigna

$39 – Philadelphia American

$41 – Medico

$46 – Aetna

$47 – Humana

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan G

$93 – Assured Life

$94 – Lumico Life

$94 – CSI Life

$94 – Western United Life

$95 – Union Security

$96 – United World Life

$100 – Cigna

$101 – Thrivent

$101 – Aetna

$102 – Great Southern Life

$107 – Humana

$108 – Anthem BCBS

$110 – Philadelphia American

$113 – Medico

$115 – Oxford Life

$117 – Greek Catholic Union

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan N

$74 – CSI Life

$76 – Assured Life

$76 – Union Security

$78 – Thrivent

$79 – United World Life

$79 – Western United Life

$82 – Greek Catholic Union

$82 – Lumico Life

$86 – Cigna

$88 – Great Southern Life

$92 – Humana

$95 – AARP-UnitedHealthcare

$97 – Aetna

$97 – Medico

$102 – Anthem BCBS

$117 – Oxford Life

Note: “Rate Watch” is an online service that allows consumers to view recent price increase and decrease requests submitted by their insurer. Medicare Supplement, Health, and Long-Term Care coverage can be accessed. Vision and dental coverage is also included in the database. Information provided with each search includes date submitted, insurance company, filing number, filing status, impacted form numbers, average rate change requested, and average rate change approved. Compliance and proper business practices are reviewed when a filing is submitted.

Generally, most (or all) of the requested price increase or decrease is granted. Comments may be submitted.  Several date ranges may be chosen. However, choosing current dates may result in an incomplete result since a ruling may not have been made by the DOI. Information can also be viewed by visiting the DOI downtown Indianapolis office. The database tracks price changes for the last nine years. Reports can also be printed or downloaded. Both the requested and granted increases or decreases are shown. Each year, the database is updated.

Is Coverage Available If You Are Disabled?

Although several carriers may offer plan options to applicants under age 65, it is not a requirement that Medigap coverage must be made available, even during the Open Enrollment period which begins in October. There also is not a separate OE period specifically for persons that are disabled. Many plans are offered throughout the year to applicants under age 65 (non-Obamacare options). Ambetter and Caresource are the two participating carriers.

If you are actively employed, and your place of work has at least 100 employees, generally, you can choose one of the medical plans offered to other employees. Your rate will not be surcharged, no extra waiting period will be imposed, and you can select the same policy coverage that other workers have access to. The same guidelines apply to part-time workers. However, if your place of work employs less than 100 persons, your principal healthcare coverage would be furnished by Medicare.

A Medicare Managed HMO is also an option to consider, since applicants can not be denied because of a disability. Although applications are guaranteed to be approved, unfortunately, most carriers do not offer that type of coverage, so options are often limited. Of course, when you reach age 65, many more options will immediately become available since a new enrollment period is created. Anthem, Cigna, Humana and AARP (UnitedHealthcare) provide Medigap plans, but do not underwrite under-65 private plans.

What Is The State Health Insurance Assistance Program?

SHIP provides free counseling and services to Seniors and is approved by the DOI. Although you can not purchase coverage, you can receive valuable and unbiased information to help you make an informed decision. The Centers of Medicare and Medicaid Services sponsors SHIP and also provides similar services in other states. More than 300 counselors receive comprehensive training before earning their certification, and they can be contacted by phone. Training sessions are offered in Indianapolis, Richmond, Yorktown, Vincennes, Wabash, Danville, Carmel, Bloomington, South Bend, New Albany, Crown Point, Terre Haute, and Lafayette.

Brochures and hard-copy guides can also be provided. Several of their services include:

Discussing beneficiary rights.

Making available speakers for Local Groups.

Help with evaluating Part D prescription drug options.

Discussion of local Agencies and Organizations that can help.

Assisting Medicare claims and appeals.

Providing Medicare Advantage and Long Term Care information.

Helping with the filing of a compensation fund certificate of insurance.