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Medicare Part D Drug Plans in Indiana

Anthem Blue Cross and Blue Shield offers Indiana Medicare Part D prescription drug plans (PDPs) in the Hoosier state to help protect you from unexpected expenses. Original Medicare was never meant to cover your medications. With copays as low as $0, a Medicare Part D plan in Indiana is a great way to get your prescriptions covered — and filled — at over 68,000 national participating pharmacies. You can add a stand-alone PDP to Original Medicare and/or one of our Indiana Medicare Supplement plans (Medigap). Or choose one of our comprehensive Indiana Medicare Advantage plans that includes Medicare Part D benefits. Either way, Anthem has you covered.

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Is a Medicare Prescription Drug Plan right for you?

Yes

  • You enrolled in Original Medicare, Parts A and B
  • You’re not receiving any prescription drug coverage through an employer or your union
  • You’d like help lowering your prescriptions drug costs
  • You want coverage for prescriptions in the future, even if you don’t take any right now
  • You have an Indiana Medicare Supplement plan or Original Medicare and you need drug coverage to complement your plans

No

  • You’re already signing up for a Medicare Advantage Plan that includes drug coverage
  • Your union, employer, or a former employer is providing you with drug coverage

Does Anthem cover your prescriptions?

Use our prescription search tool to check if we cover your medications.

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How do you pay for a Medicare Prescription Drug Plan?

The cost of your Medicare Prescription Drug Coverage can depend on the plan you pick and how much money you make. People with higher incomes pay premiums that are a little higher. So depending on your plan, you may have some of the following costs:

Premium

The bill that you pay every month for your plan. This bill comes from us, but you can usually arrange to have it taken straight out of Social Security.

Deductible

An annual amount of money you need to spend before your plan kicks in to pay for you or help you pay.

Copay/Coinsurance

The percentage or fixed amount that you pay when you get prescriptions filled at the pharmacy.

Coverage Limit

A limit to how much plans can cover in a calendar year. If you reach that limit, you may have to pay for your full medication costs until the end of the year. (Check out exceptions to this limit below.)

Need more help paying for prescription drugs?

You might qualify for more help. A federal program called Extra Help gives you coverage for the premiums, deductibles, copays, and coinsurance expenses of Medicare Part D (drug plan coverage). To qualify, you must be receiving Original Medicare, living in the United States, and your combined income and assets can’t be worth more than a certain amount ($13,640 as an individual or $27,150 when living with your spouse.) If you qualify for Extra Help, you can enroll in Medicare Part D Drug Plans anytime without having to pay any late enrollment fees.

Learning about Prescription Drug Coverage

Here are some terms you might run into with Medicare Prescription Drug Coverage.

Drug Tiers

All the drugs Anthem covers are divided up into pricing tiers. Basically, generic drugs are the lowest tier and are the most affordable, while brand name medications and specialty drugs are in higher tiers that cost more.

Prior Authorization

In order to cover certain prescription drugs, your plan may require your doctor to clear it with us before writing the prescription and let us know that it’s medically necessary for you.

Step Therapy

For some conditions, there are drugs that do the same thing at different prices. With Step Therapy, you and your doctor can agree to try a less expensive drug first, then “step up” to more expensive drugs if that one isn’t working, or if it becomes medically necessary to do so.

Quantity Limits

For safety reasons, your Prescription Drug Plan may limit the amount of a specific drug you can get. If you refill a prescription too soon, or if you’re prescribed an amount above safety standards, your doctor may need to call us before refilling your prescription in order to keep you covered.

Medicare Part D Drug Plan Exceptions

You and your doctor have the right to ask for exceptions to the limits of your drug plan. You can also apply for an exception from step therapy and quantity limits, or for a lower copayment for a specific drug. Talk to your doctor about getting exceptions when you need them.

The Medication Therapy Management Program

The Medication Therapy Management (MTM) Program is a service for Anthem members with multiple health conditions to help you understand your medications and use them safely. The program is designed to help you and your doctor make sure that your medicines are working to improve your health. If you qualify, you’ll be auto-enrolled in the program. To qualify for the MTM program, you must be managing 3 or more chronic health problems, take 8 or more daily medicines and spend a cost amount indicated by CMS each year on Part D covered medications. If you qualify, you’ll get a comprehensive medication review and can talk to a pharmacist directly. A summary of that review along with an action plan and personal medication list will be sent to you. You can use these to keep track of your medications and to have available when visiting your doctors. At least once every 3 months, you’ll get a review of your medications with your doctors involved if needed. MTM services are provided at no additional cost to you and while you may choose not to participate in the program, we recommended that you make use of this free service.

To Learn More Visit Our MTM Page

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