The Best Medicare Supplement (Medigap) Plans in Indiana

Christian Worstell
In this article...
  • Medicare Supplement (Medigap) plans helps pay your Medicare coinsurance, deductibles and other Medicare costs. Learn about Indiana Medigap plans and find out how to compare and enroll in plans if you're eligible.

Original Medicare (Medicare Part A and Part B) requires you to pay a certain amount of your Part A and Part B costs when you get covered care. The costs can include deductibles, coinsurance, copays and more. A Medicare Supplement (also called Medigap) plan can help pay these out-of-pocket deductibles and copays, which can add up over the course of a year.

Over half (50.3%) of Original Medicare beneficiaries in Indiana are enrolled in a Medigap plan.1

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Indiana Medicare Supplement Plans?

Medicare Supplement Insurance Plans 2024
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 $2,800 in 2024. 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 $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
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 also 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.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

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.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

Read More
Woman walks in a garden with assistance from caregiver
Medigap Plan G will likely soon become the most popular Medicare Supplement (Medigap) plan, becoming ...
Woman meets with her doctor
Our review of Medicare Supplement quotes explains what affects the cost of a Medicare Supplement (also ...
Happy couple riding bicycles outdoors
Medicare Supplement Plan N offers premiums that are typically lower than some other types of Medigap ...