Medicare Supplements Plans Indiana
On this page we help consumers: Compare 2020 Medicare Supplement plans in IN. See Medigap premiums and reviews, including Plan F, G, and N. View a complete Medicare Supplement Plans Comparison Chart with all plans, carriers, and rates.
Which Indiana Medicare Supplement is Best for Me?
Three out of four Indiana seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $170.95 | $155.00 | $123.29 |  |
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| American National | $130.41 | $103.68 | $86.67 | |
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| American Republic | $178.18 | N/A | N/A | |
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| American Retirement Life | $148.89 | $120.74 | $95.96 |  |
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| Americo Life | $126.91 | $100.85 | $82.04 | |
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| Anthem Blue Cross and Blue Shield Indiana | $151.94 | $100.46 | $91.14 | |
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| Assured Life | $117.89 | $88.57 | $75.92 | |
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| Bankers Fidelity Assurance | $120.52 | $100.19 | N/A | |
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| Central States | $153.33 | $117.33 | $95.17 | |
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| Cigna | $126.27 | $97.37 | $83.95 | |
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| Colonial Penn | $234.40 | $156.64 | $100.42 | |
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| Combined Insurance | $120.37 | $100.72 | $102.85 |  |
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| Continental Life | $136.70 | $92.88 | $78.89 | |
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| CSI Life | $148.83 | $112.08 | $87.58 | |
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| Equitable Life | $171.25 | $109.58 | $112.75 | |
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| Equitable National | $119.48 | $93.44 | $78.85 | |
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| Everence | $181.50 | $150.38 | $95.75 | |
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| Everest | $126.19 | $98.68 | $84.71 | |
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| Gerber Life | $180.84 | $125.83 | N/A | |
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| Globe Life | $151.50 | $136.00 | $115.00 | |
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| GPM Health and Life | $120.39 | $89.71 | $76.74 | |
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| Greek Catholic Union | $133.19 | $106.92 | $81.86 |  |
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| Guarantee Trust Life | $121.30 | $100.39 | $82.48 | |
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| Heartland National | $140.59 | $120.63 | $95.79 | |
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| Humana | $173.46 | N/A | $108.28 | |
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| IAC | $144.48 | $106.26 | $89.04 | |
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| Liberty Bankers Life | $121.16 | $98.17 | $83.91 | |
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| Loyal Christian | $121.09 | $93.96 | $78.37 | |
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| ManhattanLife | $134.58 | $93.75 | $80.33 | |
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| MassMutual | $125.14 | $100.15 | $86.45 | |
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| Medico | $153.15 | $120.04 | $108.65 | |
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| Members Health | $110.00 | $99.00 | $80.00 | |
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| Omaha Insurance Company | $148.91 | $121.79 | $84.95 | |
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| Oxford Life | $150.40 | $115.45 | $108.30 | |
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| Pan-American Life | $126.19 | $101.12 | $85.17 | |
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| Pekin Insurance | $170.38 | $122.28 | N/A | |
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| Philadelphia American | $135.28 | $103.48 | $86.48 | |
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| Physicians Mutual | $204.04 | $173.92 | $156.41 | |
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| Polish Falcons of America | $125.21 | $94.73 | $82.86 | |
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| Puritan Life | $126.12 | $100.49 | $82.01 | |
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| Renaissance Life | $129.86 | $100.55 | $89.78 | |
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| Reserve National | $148.05 | $120.00 | $111.35 | |
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| Sentinel Security Life | $113.11 | $88.83 | $76.35 | |
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| Shenandoah Life | $120.00 | $90.25 | $76.55 | |
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| State Farm | $152.66 | N/A | N/A | |
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| S.USA Life Insurance | $117.49 | $97.43 | N/A | |
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| Thrivent | $114.35 | $90.30 | $76.28 |  |
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| Transamerica | $148.48 | $136.41 | $116.87 | |
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| Unified Life | $117.28 | $93.52 | $78.59 | |
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| United American | $200.00 | $178.00 | $140.00 | |
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| United Commercial Travelers | $225.75 | $181.15 | $151.40 | |
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| AARP | $139.30 | $118.95 | $90.48 | |
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| USAA Life | $144.16 | N/A | $92.14 | |
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Compare Plan RatesThe average Indiana senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Indiana
Looking for the best Plan F, G or N available to Indiana seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Indiana Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Indiana. Here are the 10 best Plan F policies available in Indiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $114.35 | $25.00 | |
| Combined Insurance | $120.37 | $25.00 | |
| MassMutual | $125.14 | None | |
| AARP | $139.30 | None | |
| Reserve National | $148.05 | None | |
| Transamerica | $148.48 | None | |
| Globe Life | $151.50 | None | |
| United American | $200.00 | None | |
| Members Health | $110.00 | $25.00 | |
| Sentinel Security Life | $113.11 | $25.00 | |
Indiana Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Indiana seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Indiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $90.30 | $25.00 | |
| MassMutual | $100.15 | None | |
| Combined Insurance | $100.72 | $25.00 | |
| AARP | $118.95 | None | |
| Reserve National | $120.00 | None | |
| Globe Life | $136.00 | None | |
| Transamerica | $136.41 | None | |
| United American | $178.00 | None | |
| Sentinel Security Life | $88.83 | $25.00 | |
| Continental Life | $92.88 | $20.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
Indiana Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Indiana seniors. Here are the 10 best Medigap Plan N policies available in Indiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $76.28 | $25.00 | |
| MassMutual | $86.45 | None | |
| AARP | $90.48 | None | |
| Combined Insurance | $102.85 | $25.00 | |
| Reserve National | $111.35 | None | |
| Globe Life | $115.00 | None | |
| Transamerica | $116.87 | None | |
| United American | $140.00 | None | |
| Sentinel Security Life | $76.35 | $25.00 | |
| Unified Life | $78.59 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in Indiana. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Indiana are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Indiana. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
All Medicare Supplement insurance carriers in Indiana are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
All Indiana Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Indiana Department of Insurance website at http://www.in.gov/idoi.
Why is Medicare Supplement Plan F Favored in Indiana?
Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Indiana seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.
IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
What About the AARP Medicare Supplement: Is it the Best Indiana Medigap Plan?
Best is a relative term. To be sure, AARP sell more Medicare Supplements than any other insurance carrier. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.
In our experience, AARP Medicare Supplement premiums are frequently more than competing carrier in the same area. However, in many areas UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.
AARP sells a range of Medicare supplements, however, Plan F, Plan G and Plan N are the most popular. You can quickly see the coverage differences between these plans using the comparison chart below.
Med Supp Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many Indiana seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Indiana. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Indiana Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Indiana SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-452-4800; TTY: 1-866-846-0139
- http://www.medicare.in.gov/
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Indiana. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .