Indiana State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Indiana. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Indiana Medicaid in Indiana
Indiana Medicaid can pay health costs Medicare doesn't for people 65 and older. You may qualify with income up to the poverty level ($1,330 a month for one person) and savings up to $2,000.
Nursing-home care, PACE and home-care waivers have a higher income limit.
How to apply in Indiana
- By phone
- 1-800-403-0864
- In person
- At a Division of Family Resources (DFR) office; the state's office finder lists the one for your county.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in Indiana
| One person | Married couple | |
|---|---|---|
| Income limit (from March 1, 2026) | $1,330 a month (100% of the poverty level) | $1,804 a month (100% of the poverty level) Source: Indiana Family and Social Services Administration (source 1) |
| Savings limit (2026) | $2,000 | $3,000 Source: Indiana Family and Social Services Administration (source 1) |
| Spend-down if your income is over the limit | No Source: KFF (source 3) |
|---|---|
| Income limit for nursing-home or home-care Medicaid (2026) | $2,982 a month (300% of the SSI amount), for nursing homes, PACE and certain home-care waivers Source: Indiana Family and Social Services Administration (source 1) |
| Medicaid for adults under 65 (expansion) | Yes: through HIP, uninsured adults 19 to 64 may qualify with income up to $1,769 a month for one person (133% of the poverty level, from March 1, 2026) Source: Indiana Family and Social Services Administration (source 1) |
How Indiana is different
Where Indiana's rules differ from the federal rules for Medicaid for people with Medicare.
- Higher income limit: 100% of the poverty level
Source: Indiana Family and Social Services Administration (source 1)
Free help
Free help with this in Indiana
Bureau of Better Aging (BBA)
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Indiana
Medicaid for older adults in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Indiana Family and Social Services Administration, Indiana Health Coverage Program Policy Manual, Chapter 3000: Eligibility Standards (official government site). Checked Oct 28, 2026.
- Indiana Medicaid (Family and Social Services Administration), Apply for Coverage (official government site). Checked Oct 28, 2026.
- KFF, Medicaid Eligibility Levels for Older Adults and People with Disabilities (Non-MAGI) in 2026. Checked Oct 28, 2026.
Was this page helpful?
Report an error on this page
Newsletter
Get an email when the rules change
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.
- Free, about twice a month
- One-click unsubscribe in every email
- We never sell or share your email