|Plan Type||Est. Premium*|
|Medigap Plan A:||$88.58||(shop rates)|
|Medigap Plan B:||$103.33||(shop rates)|
|Medigap Plan C:||$123.75||(shop rates)|
|Medigap Plan F:||$128.66||(shop rates)|
|Medigap Plan N:||$90.08||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Indiana. You must request a quote to get an exact premium for your situation.
The Indiana State Board of Insurance has licensed Central States Health & Life Co Of Omaha to sell Central States Medigap plans (Medicare Supplement insurance) to Indiana seniors with Medicare benefits. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. This insurance carrier has participated in the supplement insurance market for 1 years and offers a range of plans for Indiana seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave Central States an A+ rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Indiana seniors with Medicare benefits are eligible to apply for a Central States Health & Life Co Of Omaha Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Combined Medigap Plan A (Indiana)
- Globe Life Medigap Plan A (Indiana)
- UnitedHealthcare Medigap Plan A (Indiana)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Indiana from Central States Health & Life Co Of Omaha . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Loyal American Medigap Plan B (Indiana)
- Loyal American Medigap Plan B (Indiana)
- UnitedHealthcare Medigap Plan B (Indiana)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Central States Health & Life Co Of Omaha offers it in Indiana. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Forethought Life Medigap Plan C (Indiana)
- Everence Association Medigap Plan C (Indiana)
- Globe Life Medigap Plan C (Indiana)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Indiana. Central States Health & Life Co Of Omaha offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Indiana by comparing quotes from these insurance carriers:
- Heartland National Medigap Plan F (Indiana)
- Medico Medigap Plan F (Indiana)
- Forethought Life Medigap Plan F (Indiana)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Heartland National Medigap Plan N (Indiana)
- Everence Association Medigap Plan N (Indiana)
- Forethought Life Medigap Plan N (Indiana)
You are eligible to apply for a Central States Medicare Supplement if you are:
- A resident of Indiana,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Central States offers plans in Fort Wayne, Evansville, South Bend, Noblesville, Bloomington, Fishers, Hammond, Gary, Muncie, Lafayette, Terre Haute, Greenwood, Elkhart, Indianapolis, Carmel, Anderson and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on