Indiana Medicare Advantage | Indiana Medicare PPO | Indiana Medicare HMO

Indiana Medicare Advantage

Indiana Medicare Advantage is a group of plans regulated by the federal government, offered by private insurance companies that temporarily take the place of your medicare coverage on a year to year contract. They usually replace the standard medicare benefits with a defined network, and defined copayment amounts, rather than the deductible and coinsurance based medicare plans. The trade off is generally a more restrictive network than medicare alone or a supplement would have, at a lower monthly cost than a supplement, but with a higher amount at risk in copayments.

Indiana Medicare PPO | Indiana Medicare Advantage PPO

Indiana Medicare Advantage PPO plans are plans offered that have a defined network, but allow you to see out of network doctors at a higher sharing of cost, if the doctor agrees to accept the plan as payment.

Indiana Medicare HMO | Indiana Medicare Advantage HMO

Indiana Medicare HMO plans usually have a smaller, defined network that you have to stay inside of, but a lower monthly premium and lower copayments than PPO plans. You usually cannot go out of network except in cases of emergencies.

Indiana PDP | Indiana Medicare Part D

Indiana Medicare Part D is the part of medicare that covers the cost of outpatient prescription drugs. There are a number of plans available, and which plan is best for you each year is likely determined by the medications you are likely to take. If you need our help, please let us know and we can help you compare the plans against your current medication use to try to determine which plan fits your needs.