Medicare Supplement Plans in Indiana

Medicare Supplement plans in Indiana follow the standard federal guidelines as Medicare Supplement (Medigap) plans in most other states. Medigap plans pay secondary to Original Medicare (Parts A and B) and help you cover the out-of-pocket costs you would otherwise need to pay.

Regardless of the carrier, these plans also let you see any doctor nationwide accepting Original Medicare. Thus, you will never be restricted by a network, require a referral, or pay more for care when traveling outside of your state.

Below, we review Medicare Supplement plans in Indiana and how you can benefit from enrolling in coverage.

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Best Medicare Supplement Plans in Indiana for 2022

Medicare Supplement plans offer identical coverage across the nation. So, the best Medicare Supplement plans in Indiana are the same nationwide.

First on the list of best Medicare Supplement plans in Indiana is Medicare Supplement Plan F. Medigap Plan F covers all the costs Original Medicare leaves behind. So, you pay $0 out-of-pocket for any medical treatment or service you require.

In the past, Medicare Supplement Plan F had more enrollees than any other plan. But, with the recent change in eligibility, not all Medicare enrollees are flocking towards the plan. You are only eligible to enroll in Medicare Supplement Plan F if you received Medicare Part A prior to January 1, 2020. If not, you cannot enroll in the plan.

If you are ineligible for Medigap Plan F or wish to pay a lower monthly premium for similar benefits, Medicare Supplement Plan G could be the right plan for you. With Medigap Plan G, you are only responsible for paying the Medicare Part B deductible. Once you cover the annual deductible for the year, you have 100% coverage for Original Medicare services.

Lastly, if you are looking for a plan to give you comprehensive benefits, low out-of-pocket copayments, and a low monthly premium, Medicare Supplement Plan G may be best for you. Medigap Plan G requires you to pay the Medicare Part B deductible, $20 copayments when you see a doctor or specialist, and $50 copayments if you go to the emergency room (and are not admitted). Further, this coverage will require you to pay excess charges in areas where they are applicable.

By enrolling in any one of these top three plans, you will receive comprehensive benefits. The right plan for you ultimately depends on your health care needs and budget.

How Much is Medigap in Indiana?

The cost of Medigap plans in Indiana will vary between enrollees based on several different factors. Someone in their Medigap Open Enrollment Period will pay a lower premium than someone who may be older and needs to answer underwriting health questions.

Your premium also depends on your location, plan letter, carrier, gender, tobacco use, and more.

Below is an example of the premium range for a 65-year-old male and female in a prominent Indiana ZIP Code.

Female, No Tobacco, Indiana ZIP Code 46060
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $106-$434* $134-$558
Medicare Supplement Plan G $94-$389 $109-$502
Medicare Supplement Plan N $71-$370 $87-$370
Male, No Tobacco, Indiana ZIP Code 56060
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $116-$490* $148-$620
Medicare Supplement Plan G $102-$439 $126-$558
Medicare Supplement Plan N $80-$418 $98-$418

The chart above provides an example of what you could pay if you fall into this age category. However, please keep in mind it is only an example and your actual costs may vary.

Does Indiana allow Excess Charges?

Indiana allows physicians to bill for Medicare excess charges if they do not accept Medicare assignment. When a physician accepts Medicare assignment, they agree to the price Medicare is willing to pay for services and treatments.

Should your physician not agree to this price, they can charge up to 15% more for the service and you would be responsible for covering 100% of that additional cost.

While Indiana allows physicians to bill for excess charges, excess charges are not common. Most doctors who accept Medicare also accept Medicare assignment.

Additionally, if you receive care in a state that does not allow excess charges, the fact that you live in Indiana will not affect you. To avoid excess charges, it is essential to speak to your doctor before receiving a service to be sure they accept Medicare assignment.

Medicare Supplement Plans in Indiana for the Disabled Under 65

Federal law does not work in favor of Medicare recipients under 65. There is no obligation for insurance companies offering Medigap to provide a Medicare Supplement policy for those on Medicare under 65 due to disability. Yet, each state can decide if it wants to mandate the companies to offer at least one plan option.

In Indiana, if a company offers Medigap to those over 65, they must offer at least one Medicare Supplement plan to those under 65. Additionally, the carrier will likely charge higher monthly premium to those on disability. So, Medicare recipients collecting Social Security Disability (SSDI) benefits often gain from Medicare Advantage coverage before they turn 65.

Some Medicare Advantage plans are available for people with disabilities, such as heart issues or diabetes. These policies are called Special Needs Plans. If one of these plans is available in your zip code, then you can get a Special Enrollment Period to apply.

Who is Eligible for Medigap in Indiana?

Eligibility for Medigap plans in Indiana works the same as eligibility across the nation. Once you turn 65 and enroll in Medicare Part B, you will get a Medicare Supplement Open Enrollment period. During this window, you can sign up for a Medigap plan without medical underwriting.


If you delay your Medicare Part B coverage after age 65 due to employer coverage, Indiana allows you to leave employer coverage that is primary to Medicare and receive guaranteed issue rights. Those over 65 leaving employer coverage have a 63-day window to get Medigap without underwriting.

When you enroll in Medicare Supplement coverage without underwriting, you cannot be denied coverage due to pre-existing health conditions. Outside of guaranteed enrollment, you can apply for Medicare Supplement plans in Indiana anytime. However, you must go through underwriting and the carrier can deny you a policy for any reason.

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Alternative Medicare Coverage Options in Indiana

In addition to Medicare Supplement plans in Indiana, Medicare Part D plans are essential coverage for your healthcare. Medicare Part D plans help with prescription drug coverage. You do not need to have a Medicare Supplement plan to enroll in Medicare Part D, but it helps to round out your coverage and avoid the Medicare Part D penalty.

Medicare Advantage plans are also available for those who want an all-in-one plan with additional benefits. However, it is essential to understand the high out-of-pocket costs when compared to a Medicare Supplement plan. These policies may be the right option for some, but each person’s needs are different.

To understand which Medicare plans are best for you, it is essential to speak with a licensed agent who is a Medicare expert.

How to Apply for a Medicare Supplement Plan in Indiana

No two Medicare journeys look the same. Let us help find the right path for you. Our licensed agents are Medicare experts with access to top carriers across the nation. We help determine your needs and find the best plans for you.

Call us from the comfort of your home. Your agent can answer questions and suggest coverage based on your needs.

Once you know the policy and company you want to select, our agents can walk you through the enrollment process. Call us at the number above today to find the best plan for you. Or, fill out an online rate form and see your rate now!

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  1. Medicare Supplement Plan, IDOI. Accessed July 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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