The Best Medicare Supplement (Medigap) Plans in Indiana

In this article...
  • Use this review of Medicare Supplement insurance to pick an Indiana Medigap policy that covers health care deductibles, coinsurance and foreign travel emergencies.

Indiana seniors can combine their federal government Medicare plan with private insurance for broader health care coverage. About 42% of Indiana residents join a Medicare Supplement (Medigap) plan on top of their Original Medicare coverage.

Medicare requires you to pay a certain amount of your Part A and Part B costs before it chips in its portion in addition to a flat fee or percentage of your covered expenses. More than 390,200 Indiana residents enroll in Medigap for help paying these out-of-pocket deductibles and copays, which can add up over the course of a year.

You can find Medicare Supplement plans where you live by comparing plans from several different insurance companies online.

What Are the Best Indiana Medicare Supplement Plans?

Medicare Supplement Insurance Plans 2022
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. 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 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Indiana seniors can buy Medigap plans from a variety of insurance carriers. Here is some key information to help you choose the best Medicare Supplement plan for your health needs.

  • Plan types: Individual Medigap plans fall into one of 10 categories (A-D, F, G and K-N). Plans with the same letter name have identical benefits, regardless of the insurance provider. 

  • Standard benefits: Medigap plans cover costs such as deductibles, coinsurance, copays, emergency health care in a foreign country and excess charges. You can choose the combination of benefits that makes the most sense based on how you use Medicare — if you travel outside of the United States frequently, you may want Plan G or N, which cover foreign travel. 

  • Restrictions on the Part B deductible: Medigap no longer offsets Part B deductibles for Indiana residents new to Medicare as of January 1, 2020. Plans C and F, which pay for this expense, are only available to those who qualified for Medicare before that date. 

  • High deductible plans: Plans F and G are available in high-deductible versions, which require you to pay a certain amount out-of-pocket before the plans kick in their portion. These plans may have more competitive premiums.  

  • Cost-sharing plans: All Medigap plans cover the Part B coinsurance, which is usually 20% of the approved cost of doctor services, outpatient therapy and durable medical equipment. Plan N covers 100% of this coinsurance but requires a copay in some situations — for example, if you visit the emergency department and aren't admitted to the hospital as an inpatient. Many Indiana seniors find Plan N has lower premiums and agree to pay for these occasional costs out-of-pocket.

How Do I Enroll in an Indiana Medigap Plan?

Indiana seniors can sign up for Medigap once enrolled in Original Medicare Parts A and B. Those who have Medicare Part C (Medicare Advantage) can't join Medigap unless they're switching back to Original Medicare.

Seniors enjoy certain safeguards during a six-month Medigap open enrollment period to ensure their Medigap benefits are maximized. Once you're 65 or older and registered for Medicare Part B, you can choose any Medigap plan sold in Indiana. Insurance companies can't underwrite the policy, meaning you qualify regardless of your health. Your premiums must be comparable to what a person in good health pays. 

You only receive these protections during this one-time Medigap open enrollment period and in certain circumstances when you need a new insurance policy for unavoidable reasons. These situations are rare — for example, your insurer is bankrupt or no longer providing Medicare coverage or your workplace coverage is ending. You might also leave a Medicare Advantage plan because you've moved out of its service area in Indiana or return to Original Medicare after your trial right period.

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