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Find Affordable Medigap Plans in Indiana

Medicare Supplement Plans in Indiana

If you live in Indiana and are enrolled in Medicare Part A and Medicare Part B, you are eligible to compare and enroll in one of the best Medicare Supplement insurance plans in Indiana. Although many healthcare costs are covered by Original Medicare insurance, there are certain expenses that Medicare beneficiaries are expected to pay, including:

•    Copayments.

•    Deductibles.

•    Coinsurance.

Medicare Supplement plans cover these gaps that Medicare does not pay. Each state can set its own criteria for Medigap policies as long as they meet the minimum federal standards. Medicare Supplement insurance plans in Indiana exceed federal standards.

Medicare Supplement insurance plans are sold by private insurance companies who set their own rates for premiums. The minimum benefits offered for each plan are standardized. However, it pays to compare the cost of plans offered by different companies because rates differ. Selecting the best Medicare Supplement plan in Indiana depends on which benefits best suit your needs and the cost of premiums.

How much do Medicare Supplement Plans cost in Indiana?

If you are a 65-year-old nonsmoking female living in Madison County, zip code 46001, you can expect to pay about $110.90 per month based on this sample:

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$89.21 - $150.81
Plan N$77.77 - $118.65

What is the best Medicare Supplement plan in Indiana?

1. Best full coverage: Medicare Plan F

Plan F covers the entire spectrum of supplemental Medicare benefits. Availability is limited to beneficiaries who became eligible before January 1, 2020.

  • Part A coinsurance and hospital charges beyond the limits of Medicare benefits
  • Part B coinsurance or copayments
  • First three pints of blood that is purchased
  • Part A hospice services – coinsurance or copayment
  • Skilled nursing care setting – coinsurance
  • Part A deductible and Medicare Part B deductible
  • Part B excess charges
  • Foreign travel emergency up to plan limits

2. Best in coverage and popularity: Medicare Plan G

Plan G is similar to Plan F with these distinctions

  • Plan G does not cover the Medicare Part B deductible.
  • Private health insurance companies can sell G to beneficiaries with an eligibility effective date on or after January 1, 2020.

3. Best value: Medicare Plan N

Plan N offers savings on the monthly premium and provides much of the same coverage as G. Plan N does not cover:

  • Part B copayments
  • Part B excess charges

Your copayments are:

  • Up to $20 for certain office visits
  • Up to $50 for ER visits that do not result in admission

4. Best cost savings: High Deductible Plan F

With this Medicare Supplement insurance plan in Indiana, you are responsible for a deductible before the plan pays benefits. In 2022, the deductible is $2,490. Aside from that, the benefits are the same as the original F

What Companies Sell Medigap Plans in Indiana?

Of the 50+ private insurance companies that service Indiana, the following insurers have significant market share:

  • Aetna Health and Life
  • Cigna
  • United World (Mutual of Omaha)

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Indiana Medicare Resources

Indiana Enrollment Statistics

The population of Indiana in 2015 was 6,619,680. There were 873,518 people enrolled in Original Medicare in Indiana in 2017, or 17 percent of the population. Of these, 83 percent were eligible because of age, and 17 percent were eligible due to disabilities. Indiana spent $10,714 per Medicare beneficiary in 2015, ranking 19th in the nation. In 2015, 336,630 people had a Medigap plan in Indiana.

The five counties with the highest population in Indiana in 2015 were:

•    Marion County 939,020

•    Lake County 487,865

•    Allen County 368,450

•    Hamilton County 309,697

•    St. Joseph County 268,441

The number of enrollees in Original Medicare in 2017 in these five counties were:

•    Marion County 97,954

•    Lake County 66,018

•    Allen County 35,123

•    Hamilton County 30,186

•    St. Joseph County 32,668

In December 2016, the most popular Medicare Supplement plans in Indiana and number of beneficiaries were:

•    Plan F 216,579

•    Plan G 65,772

•    Plan N    41,206

•    Plan C    11,379

•    Plan J    8,998

By evaluating the benefits of each policy and the rates charged by each insurer, you can decide which is the best Medicare Supplement insurance plan in Indiana for you.

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