Indiana allows physicians to bill for Medicare excess charges if they do not accept Medicare assignment. When a physician accepts Medicare assignment, they agree to the price Medicare is willing to pay for services and treatments. Should your physician not agree to this price, they can charge up to 15% more for the service, and you would be responsible for covering 100% of that additional cost. While Indiana allows physicians to bill for excess charges, excess charges are not common. Most doctors who accept Medicare also accept Medicare assignment. Additionally, if you receive care in a state that does not allow excess charges, the fact that you live in Indiana will not affect you. To avoid excess charges, it is essential to speak to your doctor before receiving a service to be sure they accept Medicare assignment.