Indiana Medicare Part D Plans

Looking for the best Indiana Medicare Part D Plan for 2014?Indiana Medicare Part D

With 30 Part D Plans available in Indiana for 2014 you may be wondering which is the best. That’s a question that demands an answer patterned to your individual circumstances.

It’s easy to compare Indiana Part D Plans to find the lowest premium or locate plans that include extra coverage in the gap but finding the plan best suited to your circumstances requires further research.

The following list is designed to allow you the opportunity to filter plans based on criteria important to you. For instance, you may be interested in comparing Part D Plans that have an enhanced formulary or have a minimum Medicare Star rating. This list will allow you to do that.

After you have completed some preliminary research you will need to dig a little deeper into the plan formulary. A formulary is the list of covered medications. Not all formularies are the same and can generally be divided into basic and enhanced. The key is to enroll in a Part D Plan that covers all your drugs.

 

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Indiana Medicare Part for 2014 D


Advantage-Plus Meridian

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Advantage-Plus Meridian (PDP)Basic $32.40 $310.00No Gap CoverageComing Soon



Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $34.20 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $124.80 $0Few GenericsComing Soon



Anthem Blue Cross and Blue Shield

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Blue MedicareRx Plus (PDP)Enhanced $61.60 $0Some GenericsComing Soon
Blue MedicareRx Premier (PDP)Enhanced $95.30 $0Some Generics, Some BrandsComing Soon
Blue MedicareRx Standard (PDP)Basic $28.00 $310.00No Gap CoverageComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $32.30 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $122.70 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $70.30 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 15 (PDP)Basic $35.50 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $37.00 $310.00No Gap CoverageComing Soon



Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $70.50 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $30.90 $310.00No Gap CoverageComing Soon




First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $50.90 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $103.50 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $47.20 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $33.40 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $48.00 $0Few BrandsComing Soon
Humana Preferred Rx Plan (PDP)Basic $22.80 $310.00No Gap CoverageComing Soon
Humana Walmart Rx Plan (PDP)Enhanced $12.60 $310.00No Gap CoverageComing Soon



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $60.10 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $50.70 $310.00No Gap CoverageComing Soon



Symphonix Health

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Symphonix Rite Aid Value Rx (PDP)Basic $33.60 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $71.40 $60.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $33.70 $310.00No Gap CoverageComing Soon




United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $93.90 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $43.60 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $20.90 $310.00No Gap CoverageComing Soon



WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $20.90 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $54.40 $0No Gap CoverageComing Soon



 
 

What’s not in the list

Medicare Part D drug Plans include a lot of variables. Other than the criteria contained in the tables above, the formulary is the most important feature of any plan. After all, if your drugs are not covered, it’s not going to do you much good. But there are other considerations as well.

Drug Tier Placement

Drugs are often listed in different tiers from one company to the next. It’s not uncommon for one plan to include a drug in tier 2 while another plan includes the same drug in tier 3. Tiers are directly related to your out-of-pocket costs. Be sure to take this into consideration when comparing Medicare drug plans.

Copayment and Coinsurance Amounts

When the Part D program was initially introduced in 2006 most plans had set copayment amounts for most tiers or all but the highest tier. This is no longer the case. Many plans require a percentage of the drug cost, also known as coinsurance, for each drug and often for multiple tiers. Not knowing what a plan pays for a drug makes it very difficult to calculate your prescription costs.

Preferred and Non-Preferred Pharmacies

Many Part D plans now offer lower copayments or coinsurance amounts if you use preferred pharmacies. Pharmacies are usually large regional chains like Rite Aid or national pharmacies such as Walmart. Consider the overall plan before you jump at a price leader.

Mail Order and Ancillary Benefits

If plans that you are comparing are very similar the mail order benefit or the extras may be the tipping point. Some plans will deliver tier 1 drugs through the mail for a $0 copay and to attract members some plans will include discounts on additional health and wellness products and services.

If you take all the above information into account you should be able to find the best Indiana Medicare Part D Plan for 2014 to suit your needs. Keep in mind that plans are good for one calendar year and you will have the opportunity to drop, switch or enroll in a plan during the annual Open Enrollment Period which begins October 15th and ends December 7th each year.

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