Indiana Medicare Part D Plans (PDP) 2018 Medicare Prescription Drug Plans

There are fewer Indiana Medicare Part D Plans (PDPs) in 2018 than in previous years. The good news is that premiums are holding steady. Be aware that the maximum deductible is now $405 per year, that's up $5 from last year.

Don't make a decision on your choice of Part D Medicare plans based on the premium and deductible alone. It's critical that you verify that your medications are covered. You find this information, and the co-payment tiers, in the formulary. On each PDP page (above) we post links to the formulary and pharmacy web pages, and the phone numbers to contact the plan.

VITAL: Identifying the best Medicare Part D Plans requires research. What works the best for you is all about your regular prescriptions (if any), your health and what you can afford.

The Part D Donut Hole is Closing, but not in 2018

As you might be aware, the Part D coverage gap, also known as the donut hole, is with us for a few more years. The new healthcare law is gradually doing away with the coverage gap. Until the donut hole is gone for good, you can save money on prescriptions that are not covered by a Indiana PDP by downloading a Pharmacy Discount Card or coupons. We recommend GoodRx.com.

The 2018 Initial Coverage Limit (ICL) is $3,750. The Coverage Gap (donut hole) starts when you reach the ICL ($3,750) and ends when you spend a total of $4,950. This year, Part D enrollees will get a 60% discount on the total cost of brand-name drugs purchased while in the donut hole. A 50% discount, paid by the brand-name drug manufacturer, applies to getting out of the donut hole. But, the additional 10% paid by your PDP does not count toward your True Out-of-Pocket (TrOOP) costs.

For instance, if you reach the donut hole and purchase a brand-name medication with a retail cost of $100, you'll pay $40 for the prescription and get a $90 credit toward meeting your total out-of-pocket spending limit.

PDP enrollees pay a 51% co-pay (maximum ) on all generic drugs purchased while in the coverage gap. For example, if you fall in the Donut Hole in 2018, and your generic medication retails for $100, you'll pay only $51. This amount counts toward your TrOOP.

Some plans offer additional gap coverage, so look for it on the plan information pages.

Get Your Prescriptions and More with a Indiana Medicare Advantage Plan

Medicare realizes that one type of plan does not suit everyone. That's why there are two ways to get help with your prescriptions. The Medicare Prescription Drug Plans above work with Original Medicare. That's one way. But maybe you'd like even more benefits. That's where Indiana Medicare Advantage Plans come in. Most offer Part D coverage.

Combining a Supplement and Medicare PartD Benefits

The new healthcare law did not change the coverage you get from Medicare for major medical. You are still responsible for paying the remaining 20 percent of all hospital and doctor bills. Even a brief hospital stay can cost you thousands. That's why we maintain a complete catalog of Indiana Medicare Supplement Insurance, also known as Medigap. We make it easy to find the best price on the plan you want. All Medigap plans are 100% compatible with the Medicare PartD pland listed above.

Medicare Part D for Dual Eligible People

In Indiana, if you are eligible for both Medicare and Medicaid (aka, dual eligible or Medi-Medi) you will automatically be enrolled in a Indiana Medicare Prescription Drug Plan and the Social Security Extra Help program. Extra Help pays for most of the costs of your prescriptions if you meet the eligibility requirements. You may also enroll in a plan of your own choosing that better meets your needs. If you qualified for Medicaid before you were eligible for Medicare, contact the your local Medicaid office.

Related Information

• Who Qualifies For Medicare Part D Coverage?
• How Much Does Medicare Part D Cost?
• When Should I Get Medicare Part D Coverage?
• Can Changing My Medicare Part D Plan Lower My Drug Costs?