The Best Indiana Medicare Supplement Plans (2024)

The average cost of Medigap plans in Indiana is $114 per month for 65-year-olds and $210 for 75-year-olds. Medicare Supplement Plans F and G are the most popular plans since they offer the most comprehensive coverage.

The average cost of Plan G in Indiana for a 65-year-old is $120.90 per month, while Plan F costs an average of $286.51 monthly for a 75-year-old. You can only qualify for Plan F if you enrolled for Medicare before 2020.

Plan N is also popular because it offers similar coverages to Plans F and G, but it does not cover Medicare Part B excess charges. You can purchase plan N in Indiana at an average of $109.30 per month.

MoneyGeek ranked the best options for Plans F, G and N based on average premiums and benefits. To learn more about the different types of Medigap plans, see how to find the best Medicare Supplement Plan.

Cigna is the best provider in Indiana for Medigap Plan G at an average cost of $122.73 per month. Since MoneyGeek ranked the best providers based on online quote data, there may be other providers in Indiana that do not offer online quotes but have better rates.

If you want to purchase Plan G Medigap in Indiana, you will pay an average of $156.50. However, rates vary depending on the provider. For instance, Plan G from UnitedHealthcare costs an average of $113.10 per month for a 65-year-old, which is $21.60 cheaper than the same plan from Anthem, the most expensive option.

The cost of Plan G in Indiana may also depend on your age, how old you are when you enroll and medical underwriting factors.

If you are looking for Medigap Plan G in Indiana, you can choose from the 47 providers who offer this plan in the state. Some providers may not offer online quotes, but MoneyGeek collected contact information so that you can find the best provider for your needs. We also analyzed the different pricing styles used by different providers to help you figure out which providers are likely to charge more as you age.

All Medigap plans are standardized and must offer certain minimum benefits across all providers. Plan G Medigap does not cover Medicare Part B deductibles. Plan G includes 80% coverage of emergency foreign travel expenses.

However, you may get additional benefits aside from required coverages depending on the provider. For example, Cigna offers a healthy rewards program where you can get discounted rates for eligible health and wellness programs and products.

Cigna is the best company for Medigap Plan F in Indiana. You can purchase Plan F from Cigna at an average cost of $196.22 per month.

When ranking the best providers, MoneyGeek used online quote data. However, not all providers have an online quote feature, so there may be other providers in Indiana that do not offer online quotes but have better rates.

In Indiana, Plan F costs an average of $286.50 per month but the rates you pay will also depend on the provider you choose. Cigna, the cheapest option, offers Plan F at $196.20 per month for a 75-year-old. Anthem, the most expensive option, offers the same plan at $338, a difference of $141.80.

Other factors that may affect the cost of Plan F Medicare supplement plans in Indiana are your current age, your age at enrollment and discounts.

Forty-eight providers in Indiana offer Medigap Plan F, but some may not offer online quotes. MoneyGeek obtained contact information for all providers to help you find the best Medicare supplement plan in Indiana for your needs. We also analyzed the different pricing styles used by providers to help you understand which companies may charge higher premiums as you age.

Medicare supplement plans, including Plan F, are standardized with certain core minimum benefits. Plan F is a comprehensive plan with benefits that include 80% emergency foreign travel expenses coverage.

Besides the core benefits, some providers may offer additional benefits. For instance, Cigna’s health rewards program is designed to reward customers with discounts for certain health and wellness programs and services.

Of the companies we ranked, Cigna is the best Medigap Plan N in Indiana, with an average rate of $87.93 per month. However, not all providers may appear in MoneyGeek’s ranking since our analysis was based on providers that offer online quotes. There may be cheaper Plan N options available from providers that do not offer online quotes.

Medigap Plan N costs an average of $143.80 per month in Indiana, but rates can vary widely depending on the company. For instance, the cheapest Plan N for a 65-year-old in Indiana is from Cigna at $87.93 monthly, while a similar plan from Anthem costs $137.70 per month, a difference of $49.77.

Plan N costs in Indiana will also be impacted by factors such as how old you are when you enroll, your current age and medical underwriting factors.

In Indiana, 46 providers offer Medigap Plan N. MoneyGeek collected contact information for all these providers to help you find the best company for your needs since not all of them provide quotes online. You can also find out which providers tend to charge more as you get older in our analysis of the pricing methods used by different providers.

Medicare supplement plans in Indiana and elsewhere are standardized, so providers must include certain minimum benefits in these plans. Plan N does not cover Medicare Part B excess charges or deductibles. However, you may find that some providers offer additional benefits with their plans. Plan N includes 80% coverage of emergency foreign travel expenses.

For instance, Cigna, which offers the best Plan N in Indiana, has benefits that include a health rewards program that entitles plan members to discounts on eligible health and wellness programs and services such as physical therapy, acupuncture and other eligible wellness programs.

There are other Medicare supplement plan types in Indiana, including Medigap Plans A, B, C, K and L. However, these plan types are not as popular since they do not offer comprehensive coverage.

MoneyGeek identified the best providers for each plan type, with UnitedHealthcare emerging as the best provider for Plans A, B, C, K and L.

If you become eligible for Medicare after January 1, 2020, you will not be able to buy Plan C in Indiana or anywhere else.

Since Medigap plans in Indiana can be complex to figure out, MoneyGeek created a simple comparison chart to help you compare Medicare supplement plans in Indiana. Our Medicare supplement plans comparison chart for Indiana includes plan types and pricing data.

When buying a Medigap plan, you should be aware that different plan types offer different levels of coverage. You may not qualify for a specific plan type depending on when you become eligible for Medicare.

For example, new enrollees cannot purchase Plan F and Plan C which were the most comprehensive plan types. These have been replaced with Medigap Plans G and Plan D.

You can compare coverages and average rates using the chart below.

The cost of Medigap plans in Indiana tends to differ depending on the plan type you choose and the provider. Cigna is the cheapest company in Indiana for Medigap Plan F and N, while UnitedHealthcare is the cheapest provider for Plans A, B, C, G, K, and L.

In Indiana, providers use the following pricing methods for Medigap plans.

• Attained age: This is the most common pricing method for Medigap plans in Indiana. In this pricing method, premiums are based on your age so you will pay higher premiums for your plan the older you get.
• Issue age: Issue-age pricing method involves calculating premiums based on your age when you purchase the Medigap plan. In this case the younger you are when you enroll the lower your premiums will be. Premiums remain consistent and will not change as you age but they may be impacted by factors such as inflation.
• Community rated: Community rated pricing does not factor in age so everyone pays the same monthly premium regardless of age.

We have answered the most common questions asked about Medigap plans to help you find the best Medicare supplement plan in Indiana.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Indiana for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.