2025 Guide to Medicare Advantage Plans in Indiana
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Finding the Top Medicare Advantage Plan in Indiana Starts Here
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Indiana, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Indiana, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Comparing the Leading Medicare Advantage Plans in Indiana
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Indiana's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
There are no 5-star plans in Indiana in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Indiana come from:
We recommend evaluating the health plans from these Indiana health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Indiana. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Indiana's MA Plan Companies
Approximately 15 health insurance providers offer Medicare Advantage plans in Indiana, including:
- Aetna Medicare
- Anthem Blue Cross and Blue Shield
- Anthem HealthKeepers
- Communicare Advantage
- Devoted Health
- Essence Healthcare
- Health Alliance Medicare
- Humana
- Indiana University Health Plans
- MyTruAdvantage
- Paramount Elite Medicare Plans
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
- Zing Health
Top Indiana Plans by CMS 5-Star Score
Here are the top-ranked Medicare Advantage plans in Indiana, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Indiana
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
The top providers listed above do not tell the full story. That's because your Indiana County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Top-Rated Medicare Advantage Plans in Indiana by County
Choose your Indiana County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Indiana
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Examine Your Projected Utilization Needs
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Examine Your Prescription Medication Expenses
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Indiana Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Assess Your Need for Supplemental Coverage
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Review Your Healthcare Network Considerations
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Indiana tell us it's difficult to find a plan their doctors take. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Indiana?
On average, the cost of a Medicare Advantage plan in Indiana is $nan (based on 2025 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What is every Medicare Advantage plan required to include?
At a minimum, every Medicare Advantage plan sold in Indiana must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
For details on how we research, analyze, and construct plan information for Indiana using CMS data, see our Medicare Plan Research Methodology.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.