ADDRESS

517 US 31 N., #400

Greenwood, IN 46142 

HOURS

Monday - Friday:

8:00 a.m. – 6:00 p.m. EST    

DISCLAIMER:

Perfiniti Insurance LLC are licensed and certified representatives of Medicare Advantage (HMO, PPO and FFS) organization and a stand-alone prescription drug plan depends on contract renewal.

The purpose of this communication is the solicitation of insurance. Contract will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S government or the federal Medicare Program.

 

Plans are not available in all areas and may be subject to underwriting; terms and conditions may apply.

ILLINOIS

  • Medicare Supplement Plans in Indiana
  • Indiana Medicare Supplement plans help cover Medicare copayments, deductibles, and coinsurance. Customers with Medigap coverage have limited out of pocket costs. Since you are paying a premium (monthly or quarterly) you will not have expensive hospital visits or pay high out of pocket costs if you have a catastrophic claim/illness.

  • Indiana Medicare Supplement Plans

  • Ashley has Traditional Medicare which means after deductibles Part A and Part B will cover 80% of costs. Ashley will be responsible for 20% of all the bills. Depending on the cost of care, the beneficiary could be charged huge amounts.

 

  • If Joe has a major surgery with no complications, it could cost him a few thousand dollars. If Joe has major surgery and has complications during that surgery, Joe could pay tens of thousands.

  • Now if Joe has Medicare Supplement Plan G he won’t pay the $1,364 inpatient hospital deductible or 20%; Joe just pays his premium and $185 deductible. This will potentially save Joe thousands or tens of thousands of dollars.

 

  • Depending on the financial situation and healthcare needs of the customer, a Medicare Supplement can greatly reduce out of pocket costs. You can call us to talk to an insurance agent about the plan options available in your area.

  • Indiana Medigap for the Disabled Under 65
  • Indiana State Laws do not work in favor of beneficiaries under 65 on Medicare. There is not one insurance company that offers Medicare Supplements to beneficiaries under 65. Medicare beneficiaries under 65 in the state of Indiana will benefit from Medicare Advantage coverage.

  • There are MA plans for people with specific chronic conditions such as heart and diabetes, or low-income; these MA plans are called Special Needs Plans (SNP). If there is an SNP available in your zip code, then a Special Enrollment Period to apply for this policy exists.

  • MA policies usually have lower premium and some ever have $0 premiums. Beneficiaries over 65 that cannot afford a Medigap should select some coverage instead of no coverage.

  • Medicare Advantage Plans Indiana
  • While this plan is typically cheaper than a Medicare Supplement Plan, MA policies come with limitations. Limitations include coverage limitations, in-network providers and cancellation restrictions.

  • Sometimes MA policies will cost more than a Medicare supplement. Let’s say John Smith enrolls in MA coverage and goes to the hospital for 6-days because of a minor stroke.

  • Well, the ambulance would be a $265 copayment. Then, the inpatient hospital stay is $295 DAILY for days 1-6. Although, there’s a Maximum Out Of Pocket (MOOP) benefit protecting MA policyholders from high spending.

  • The MOOP is usually between $3,500 and $10,000 on most policies. So, once the beneficiary has spent the MOOP amount, the plan will pay 100% of covered benefits.

  • Indiana Medicare Resources

  • There are Medicare Savings Programs (MSP) available for senior citizens nationwide. Also, these programs provide financial assistance and help offset the high cost of medical insurance.

  • If you don’t qualify for MSP, still apply for Extra Help; this program helps cover Part D expenses.

  • Qualify for Indiana Medicare Supplement Plans

  • No underwriting allows you to enroll in any policy without fear of denial or rate increases based on health issues. This is the best time to apply because you get the lowest premium and the best coverage, Guaranteed.

  • Beneficiaries over 65 leaving employer group coverage will have a 63-day window to

  • If you leave employer coverage that is primary to Medicare voluntarily, GI rights will be available to you for the purchase of Medigap.

  • You have 6 months during your Medigap Open Enrollment Period (OEP) to apply with no underwriting restrictions.

  • Applying for a Medicare Supplement Plans in Indiana

  • Applying for a Medicare Supplement Plan is very simple; just call the number above and an agent will help you get the Medigap you choose. If you can’t call now, fill out the contact form and we will call you when you are ready!

  • Our agents know the questions to ask to identify the proper coverage.

  • We know the companies that have lower rate increases year after year, saving you money in the long run. We also know which plans may have added benefits.

  • Our services are always 100% free. Contact us at 888-885-8361

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