Compare the Best Medigap Plans in Indiana for 2024

Indiana residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in Indiana. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.

This page highlights the top Indiana Medicare Supplement and insurance companies for 2024.

Top 3 Best Medigap Plans in Indiana for Comprehensive Coverage

Among the ten standardized Medigap plans, Plans F, G, and N are consistently the top choices for Medicare enrollees in Indiana. These Medicare Supplement plans offer varying levels of coverage that help reduce out-of-pocket healthcare expenses. If you're seeking maximum coverage, Plan F may be ideal, while Plan G offers strong coverage with lower premiums. To compare affordable options, explore Plan N vs. Plan G.

Below is a detailed breakdown of what makes them the most popular plans, along with key benefits and top providers in Indiana.

Medigap Plan F in Indiana

Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .

Required Benefits of Plan F in Indiana

Medigap Plan G in Indiana

For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.

Required Benefits of Plan G in Indiana

Medigap Plan N in Indiana

For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.

Required Benefits of Plan N in Indiana

Average Costs for Medigap Plans in Indiana

Plan costs in Indiana are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Indiana:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Factors That Impact Medigap Plan Costs in Indiana

Several factors play a role in determining the cost of Medicare Supplements in Indiana. These include:

• Age: As you get older, your premiums may rise.
• Gender: Premium rates can vary by gender, with women often paying slightly less.
• Tobacco Use: If you use tobacco, expect to pay higher premiums.
• Location: Your location within Indiana can also influence your premium, as costs differ by region.

If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.

Compare All Medicare Supplement Plans in Indiana

If you want to see how all Medicare Supplement Insurance plans sold in Indiana stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Indiana and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Indiana

Enrolling in a Medigap plan in Indiana requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

Ready to sign up for Medicare Supplement coverage in Indiana? Here's how to do it:

1. Review Your Options: Compare the available Medigap plans in Indiana to find the right match for your healthcare needs and budget.
2. Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
4. Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.

For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.

Common Questions About Medigap Plans in Indiana

What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.

Is it possible to switch Medigap plans?

Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.

Do Medigap plans cover medications?

No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.

What out-of-pocket expenses should I expect with Medigap?

You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023