Orlando Harmon
Medicare is a federal health insurance program for people aged 65 and older, as well as eligible individuals under 65 with disabilities. Eligibility criteria for those under 65 include receiving Social Security disability benefits for 24 months, having permanent kidney failure, or being diagnosed with ALS or Lou Gehrig's disease. The Initial Enrollment Period for Medicare begins 3 months before turning 65 and ends 3 months after the month one turns 65, resulting in a total enrollment window of 7 months. Individuals can apply for Medicare online, by phone, or by contacting their Social Security Office.
| Characteristics | Values |
|---|---|
| Who is eligible for Medicare in Indiana? | People 65 and older, and eligible people under 65 with a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease). |
| What are the different parts of Medicare? | Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage), and Part D (Prescription Drug Coverage). |
| How to apply for Medicare in Indiana | Apply with the Social Security Administration online, in person, by mail, or by phone. |
| When to apply for Medicare | The Initial Enrollment Period begins 3 months before turning 65 and ends 3 months after the month you turn 65. Automatic enrollment if receiving Social Security benefits. |
| What is required when applying for Medicare? | Proof of age, such as a birth certificate, previous year's W-2 form, or tax return. |
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What You'll Learn
Eligibility criteria for Medicare in Indiana
To apply for Medicare in Indiana, one must meet the eligibility criteria. The eligibility criteria for Medicare in Indiana are based on various factors, including age, income, disability, and residency. Here are the detailed criteria:
Hoosier Healthwise:
Hoosier Healthwise is a health care program for children up to the age of 19 and pregnant women. It covers medical care, including doctor visits, prescription medicine, mental health care, dental care, hospitalizations, and surgeries, at little or no cost. To be eligible for Hoosier Healthwise, one must meet the income requirements, which are based on the federal poverty level (FPL). The income limit for children up to 1 year old is 208% of FPL, while for children aged 1 to 18, it is 158% of FPL. Pregnant women must have a household income of up to 208% of FPL to be eligible, and their eligibility continues for 12 months after giving birth.
Healthy Indiana Plan:
The Healthy Indiana Plan (HIP) is a health insurance program for adults aged 19 to 64 who are not disabled. It uses a consumer-driven approach, requiring beneficiaries to make a minimal monthly contribution based on their income and family size. To be eligible for HIP, adults must have an income of up to 138% of the FPL. This plan expanded Medicaid eligibility in Indiana to non-elderly, non-disabled adults.
Hoosier Care Connect:
Hoosier Care Connect is a program for individuals aged 65 and older, blind, or disabled who are not eligible for Medicare. It is a managed care program that provides health care coverage to those who are not enrolled in managed care. Children who are wards of the state, receiving adoption assistance, or in foster care may also be eligible for Hoosier Care Connect.
Traditional Medicaid:
Traditional Medicaid is a fee-for-service program that provides health care coverage to individuals who are eligible for both Medicare and Medicaid. It serves those who are not enrolled in managed care. Individuals with disabilities or those living in a Medicaid-certified institution may have higher income limits and are subject to asset limits.
It is important to note that Medicaid eligibility in Indiana can be complicated, and there may be additional criteria or pathways to eligibility. The best way to determine eligibility is to apply through the Indiana Family and Social Services Administration (FSSA) or HealthCare.gov. Seniors can also apply through their local FSSA Division of Family Resources (DFR) office or by calling DFR.
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How to apply for Medicare Part A
Medicare is a federal health insurance program for people aged 65 and over, as well as eligible individuals under 65 with disabilities. Medicare Part A is hospital insurance that helps cover inpatient care, skilled nursing facility care following a hospital stay, hospice care, and some home health services.
Step 1: Check Eligibility
Most individuals aged 65 and over are eligible for Medicare Part A based on their employment records or their spouse's employment records. You may also be eligible for Part A if you are under 65 and have permanent kidney failure or receive disability benefits.
Step 2: Understand the Enrollment Periods
The General Enrollment period for Medicare is from January 1 through March 31 of each year, with coverage beginning on July 1 of the same year. If you are turning 65, you can enroll in Medicare Part A starting three months before your birthday, the month of your birthday, or up to three months after your birthday.
Step 3: Gather Required Documents
When applying for Medicare, you will need to provide proof of your age, such as a birth certificate, previous year's W-2 form, or tax return, or other relevant documents. Contact the Social Security Administration ahead of time to confirm the specific documents needed.
Step 4: Apply for Medicare Part A
You can apply for Medicare Part A by contacting the Social Security Administration. There are several ways to do this:
- Call Social Security at 1-800-772-1213 to schedule an appointment with your local Social Security office.
- Visit your local Social Security office during their business hours.
- Apply online through the Social Security website.
Remember, if you are already receiving Social Security retirement or disability benefits, you may be automatically enrolled in Medicare Part A when you turn 65.
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How to apply for Medicare Part B
Medicare is a federal health insurance program for people aged 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s Disease).
Medicare Part A is insurance for inpatient care in a hospital or skilled nursing facility, some home health care, and hospice care. Medicare Part B is medical insurance that helps pay for doctors, many medical services, and supplies that are not covered by hospital insurance.
To apply for Medicare Part B, you must be eligible for Part A. You can apply for Medicare with the Social Security Administration. There are several ways to contact the Social Security Administration:
- Call Social Security at a toll-free number (800) 772-1213 to schedule an appointment with your local Social Security office - in person or over the phone.
- Visit your local Social Security Administration office during normal business hours.
- Call your local Social Security Administration office to make an appointment.
- Enroll online with the Social Security Administration.
You will need to provide proof of your age, such as a birth certificate, your previous year's W-2 form or tax return, and possibly other documents. It is recommended to call Social Security ahead of time to find out what proof you will need.
The General Enrollment period is January 1 through March 31 of each year, with coverage beginning on July 1 of that year. If you enroll late, you will pay a Part B Late Penalty: a 10% surcharge for each year you are late. This penalty will continue indefinitely. For example, if you enrolled four years late, you will pay a 40% surcharge for every year that you buy Part B.
If you are already covered by an employer group health plan, you can delay enrollment in Medicare Part B without penalty. Once you or your spouse retires, or your active employment health insurance ends, you have eight months to enroll in Medicare Part B without any penalty.
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How to apply for Medicare Parts A and B
Medicare is a federal health insurance program for people aged 65 and older. If you are under 65, you may be eligible for Medicare if you have a permanent kidney failure or receive disability benefits. Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facility care, hospice care, and certain home health care. Most people aged 65 or older are eligible for Medicare Part A based on their employment or their spouse's employment. Medicare Part B offers coverage for specific doctors' services, outpatient care, medical supplies, and preventative services. You can apply for Medicare Part A and Part B through the Social Security Administration. Here are the steps to apply for Medicare Parts A and B:
Step 1: Check Your Eligibility
Before applying for Medicare Parts A and B, make sure you meet the eligibility requirements. For Part A, most people aged 65 or older are eligible based on their employment history or their spouse's employment. If you are under 65, you may still be eligible if you have a permanent kidney failure or receive disability benefits for a certain period. For Part B, there are no specific eligibility criteria mentioned, but it is available to those who are enrolled in Part A.
Step 2: Gather Required Documents
When applying for Medicare, you will need to provide proof of your age and identity. This can include your birth certificate, previous year's W-2 form, tax return, or other relevant documents. It is recommended to call ahead and confirm the specific documents required for your application.
Step 3: Contact the Social Security Administration
You can apply for Medicare Parts A and B by contacting the Social Security Administration. They offer multiple ways to apply, including online enrollment, calling their toll-free number (800) 772-1213, or visiting your local Social Security office in person. You can schedule an appointment or walk-in during their normal business hours. Their working hours are Monday through Friday, from 7 AM to 7 PM.
Step 4: Complete the Application Process
During your interaction with the Social Security Administration, provide them with the required documents and complete any necessary forms or applications. Make sure to review your application carefully before submitting it. If you have any questions or concerns during the process, don't hesitate to seek clarification from the Social Security Administration staff.
Step 5: Follow Up and Confirm Your Enrollment
After submitting your application, follow up to confirm your enrollment in Medicare Parts A and B. Inquire about the expected timeline for processing your application and when your coverage will take effect. If you have not received any confirmation or updates, don't hesitate to contact the Social Security Administration again to ensure your application is on track.
By following these steps, you can apply for Medicare Parts A and B in Indiana. Remember to carefully review the eligibility criteria, prepare the necessary documents, and choose the most convenient method of applying through the Social Security Administration.
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What to do if you are working past 65
If you are working past the age of 65, you may be covered by your employer's group health plan or your working spouse's plan. In this case, you can delay signing up for Medicare without paying a late enrollment penalty. However, if you have group health insurance available to everyone at the company, you should sign up for Medicare Part A (Hospital Insurance) when you turn 65 to avoid a monthly Part B late enrollment penalty.
If you are covered by an employer's group health plan or your working spouse's plan, you can wait until you stop working or lose your health insurance to sign up for Medicare Part B (Medical Insurance) without penalty. Once you stop working or lose your health insurance, you have an 8-month Special Enrollment Period (SEP) to sign up for Medicare or add Part B to existing Part A coverage.
If you are still working at 65 and do not have to pay a premium for Part A, you can choose to sign up anytime, including when you turn 65. If you are eligible, Part A is free because you or your spouse paid Medicare taxes while working. You earn Social Security "credits" as you work and pay taxes, and for each year that you work, you earn 4 credits.
If you are still working at 65 and do not have health insurance through your employer or your spouse, you should sign up for both Part A and Part B when you are first eligible, which is usually when you turn 65. If you sign up later, you may have to pay a penalty. To avoid a gap in coverage, it is recommended to sign up for Medicare about a month before your current coverage ends.
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Frequently asked questions
You can apply for Medicare online at Social Security. You will need to create a secure my Social Security account to sign up for Medicare or apply for benefits.
You will need proof of your age, such as a birth certificate, your previous year's W-2 form or tax return, and possibly other proof.
If you have employer health coverage, you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage.
There are four different Medicare plans available: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription medications).
