Medicare Coverage for Stroke in Indiana
| Medicare Part A Coverage | Yes — hospital and inpatient care |
|---|---|
| Medicare Part B Coverage | Yes — 80% after deductible |
| Medicare Part D Coverage | Yes — prescription drugs covered |
| Your Cost Share (Part B) | 20% after $240 deductible |
| Average Annual Medicare Cost (Stroke) | $38,200 |
| Medicare Beneficiaries in Indiana | 1,380,000 |
Does Medicare Cover Stroke in Indiana?
Yes — Medicare covers stroke treatment in Indiana under both Part A (hospital/inpatient) and Part B (outpatient/physician services). The average annual Medicare cost for Stroke is approximately $38,200, with Medicare paying 80% of approved charges after the Part B deductible ($240 in 2026).
What Medicare Covers for Stroke in Indiana
- acute stroke treatment
- tPA administration
- rehabilitation
- speech therapy
- occupational therapy
- physical therapy
- skilled nursing facility
- home health care
Your Out-of-Pocket Costs for Stroke in Indiana
Under Original Medicare in Indiana, you pay 20% of all Part B-covered stroke services after meeting the annual deductible ($240 in 2026). There is no out-of-pocket maximum under Original Medicare, which means costs can add up significantly for serious conditions. The average Indiana Medicare beneficiary with stroke pays approximately $7,640/year in out-of-pocket costs under Original Medicare.
Cost Comparison: Original Medicare vs. Medicare Advantage for Stroke in Indiana
| Coverage Type | Annual Out-of-Pocket (Estimated) | Out-of-Pocket Maximum | Prescription Coverage |
|---|---|---|---|
| Original Medicare (Parts A+B) | $7,640 | No limit | Separate Part D plan required |
| Original Medicare + Medigap Plan G | $2,150 + $1,512 Medigap premiums | Effectively capped | Separate Part D plan required |
| Medicare Advantage (avg in Indiana) | Varies by plan | Capped (varies) | Usually included |
Medicare Advantage Coverage for Stroke in Indiana
Medicare Advantage plans in Indiana must cover all services that Original Medicare covers for stroke, but may have different cost-sharing structures. With 42 MA plans available in Indiana, you can compare plans specifically for their stroke coverage, including specialist networks, prior authorization requirements, and drug formularies. The average MA plan in Indiana is rated 3.9 stars by CMS.
Medicare Part D Coverage for Stroke Medications in Indiana
Medicare Part D covers prescription drugs used to treat stroke in Indiana. In 2026, the maximum out-of-pocket cap for Part D drugs is $2100/year — a significant protection for patients with high drug costs. Indiana has 24 standalone Part D plans available. Drug coverage varies by plan formulary, so compare plans at medicare.gov/plan-compare to find the best coverage for your specific medications.
Medicaid and Stroke in Indiana
Indiana has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage. For dual-eligible individuals in Indiana with stroke, Medicaid covers Medicare cost-sharing (premiums, deductibles, and copays), providing comprehensive coverage with minimal out-of-pocket costs.
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