Best Medicare Supplement Plans in Indiana 2026
Indiana has over 250,000+ Medigap enrollees. Plan G starts at just $93/mo in Indianapolis. We compared 25+ carriers to find the best coverage for Hoosier retirees.
Indiana Carriers Offer Household Discounts of Up to 7%
If you and a spouse or domestic partner both enroll in a Medigap plan with the same carrier, many Indiana insurers will reduce your premiums by 5% to 7%. Carriers offering this discount include Mutual of Omaha, Cigna, Humana, and Wellabe. On a $145/mo Plan G policy, a 7% household discount saves you over $120 per year. Always ask about the household discount before choosing a carrier.
More than 250,000 people in Indiana have Medicare Supplement Insurance, or Medigap. Indiana is a competitive Midwest market with over 25 carriers licensed in the state. Plan G starts at just $93 per month in Indianapolis, making Indiana one of the more affordable states for Medigap coverage. Major retirement markets include Indianapolis, Fort Wayne, South Bend, Bloomington, and Evansville.
Plan G is the most popular Medicare Supplement plan for new enrollees in Indiana. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Indiana uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. Unlike California, Missouri, or Virginia, Indiana has no birthday rule or anniversary rule. Your OEP is your primary guaranteed-issue window.
Compare the Best Medicare Supplement Plans in Indiana
Our top-rated Medigap carriers in Indiana, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Indianapolis. Rates in Fort Wayne, South Bend, and other regions may vary.
Mutual of Omaha
Plan G
$145/mo
Plan N
$105/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Indiana, combining financial strength with outstanding customer service. Their U.S.-based claims team and 7% household discount make them the go-to choice for Indiana retirees who want reliability over the lowest possible premium.
AARP / UnitedHealthcare
Plan G
$122/mo
Plan N
$89/mo
AM Best
A
AARP/UnitedHealthcare is the largest Medicare Supplement insurer in Indiana by enrollment. Their broad plan selection and added member benefits like a 24/7 nurse hotline make them a strong choice, though premiums run higher than budget options.
Humana
Plan G
$135/mo
Plan N
$97/mo
AM Best
A-
Humana stands out in Indiana for including the SilverSneakers fitness benefit, which gives members free access to thousands of gyms and fitness centers statewide. For active Indiana retirees in Indianapolis, Bloomington, or South Bend, the fitness perk adds real value on top of solid Medigap coverage.
Cigna
Plan G
$100/mo
Plan N
$73/mo
AM Best
A
Cigna offers one of the lowest Plan G premiums in the Indianapolis market at $100/mo, making them attractive for budget-conscious enrollees. Their complaint ratio runs higher than Mutual of Omaha or AARP/UHC. Best for healthy enrollees who want to minimize monthly costs and are comfortable shopping again in a few years.
Wellabe
Plan G
$130/mo
Plan N
$94/mo
AM Best
A-
Wellabe (formerly Medico) offers a compelling middle ground in Indiana: cheaper than Mutual of Omaha and AARP/UHC, with a much better complaint record than Cigna. For Indiana enrollees who want to save money without taking on the service risk of the cheapest option, Wellabe is worth a quote.
Medicare Supplement Prices in Indiana
Sample monthly premiums from top carriers in Indianapolis. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Indiana uses attained-age rating, so premiums will increase as you age. Fort Wayne and South Bend rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Physicians Select | $93 | $68 | $148 |
| Cigna | $100 | $73 | $139 |
| Bankers Fidelity | $108 | $78 | $127 |
| NHIC | $110 | $80 | $134 |
| Humana | $135 | $97 | $158 |
| Wellabe | $130 | $94 | N/A |
| AARP / UnitedHealthcare | $122 | $89 | $147 |
| Mutual of Omaha | $145 | $105 | $168 |
Lowest available in Indiana (Indianapolis): Plan G from $93/mo | Plan N from $68/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Indiana
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Indiana. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Indianapolis) | $93-$145 | $68-$105 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
In Indiana, Cigna is cheapest at $100/mo, but Mutual of Omaha at $145/mo is the better long-term value. Cigna's complaint ratio runs higher than most competitors, and their rate increases have been less predictable in recent years. Mutual of Omaha brings an A+ AM Best rating, U.S.-based customer service, and a 7% household discount if your spouse or partner also enrolls. Humana is worth a look if you are an active retiree in Indianapolis or Bloomington, since their SilverSneakers benefit gives you free access to thousands of gyms statewide. Indiana has no birthday rule, so your 6-month Open Enrollment Period at age 65 is your best chance to lock in coverage without medical underwriting.
Indiana Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule
Indiana does not have a birthday rule or anniversary rule. Unlike California (birthday rule), Missouri (anniversary rule), or Virginia (birthday rule), Indiana only guarantees your right to enroll in any Medigap plan without medical underwriting during your 6-month Open Enrollment Period when you first turn 65 and enroll in Medicare Part B. After that window closes, insurers can deny coverage or charge higher premiums based on health conditions.
Attained-Age Rating Standard
Most Indiana Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your age when you enrolled, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years.
Household Discount Available
Many Indiana carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Cigna, Humana, and Wellabe. Always ask about the household discount when getting quotes.
Indiana Department of Insurance Regulates Medigap
The Indiana Department of Insurance (IDOI) oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases. You can verify carrier licenses and file complaints at in.gov/idoi.
Under-65 Coverage Not Required
Indiana does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 who qualify due to disability or End-Stage Renal Disease. If you are under 65 and on Medicare, your options may be limited. Contact SHIP Indiana for guidance on available coverage.
Free Counseling via SHIP Indiana
Indiana's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-452-4800 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Indiana market average
Plan Availability
Number of plan types offered in Indiana
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Frequently Asked Questions
What is the best Medicare Supplement plan in Indiana for 2026?
Plan G is the most popular and recommended Medigap plan in Indiana for new enrollees. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). For the best overall value, Mutual of Omaha (A+ rated) consistently ranks highest in Indiana for financial strength and customer satisfaction. Cigna offers a lower premium at $100/mo in Indianapolis but carries a higher complaint ratio.
Does Indiana have a birthday rule for Medigap?
No. Indiana does not have a birthday rule or anniversary rule. Unlike California (birthday rule), Missouri (anniversary rule), or Virginia (birthday rule), Indiana only guarantees your right to enroll in any Medigap plan without medical underwriting during your 6-month Open Enrollment Period when you first turn 65 and enroll in Medicare Part B. After that window, insurers can deny coverage based on health conditions.
How much does Medicare Supplement Plan G cost in Indiana?
Plan G premiums in Indiana range from approximately $93/mo to $145/mo for a 65-year-old female nonsmoker in Indianapolis. Premiums vary by carrier, ZIP code, age, gender, and tobacco use. Fort Wayne and South Bend rates may differ slightly from Indianapolis. The cheapest option is Physicians Select at $93/mo, though Cigna at $100/mo and AARP/UHC at $122/mo are more widely recognized carriers.
What is the difference between Plan G and Plan N in Indiana?
Plan G covers nearly everything except the $283 Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 for some office visits and $50 for emergency room visits that do not result in inpatient admission, and does not cover Part B excess charges. Plan N premiums run $68 to $105/mo in Indiana vs. $93 to $145/mo for Plan G. If you rarely visit doctors and your providers do not charge excess fees, Plan N can save $300 to $500 per year.
What is the Indiana household discount for Medicare Supplement?
Many carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount in Indiana include Mutual of Omaha, Cigna, Humana, and Wellabe. If you and a spouse or domestic partner are both enrolling, always ask about the household discount before choosing a carrier.
Can I switch Medicare Supplement plans in Indiana?
Yes, you can apply to switch Medigap plans at any time in Indiana, but outside of your Open Enrollment Period you will face medical underwriting. The new carrier will ask approximately 20 health questions and can deny coverage or charge higher premiums based on pre-existing conditions. Indiana has no birthday rule or other special switching protections, so your OEP is the best time to lock in the right plan.
What is High-Deductible Plan G and is it a good option in Indiana?
High-Deductible Plan G (HDG) offers the same coverage as standard Plan G but requires you to pay a deductible of $2,870 (2026) before benefits kick in. In exchange, monthly premiums drop to roughly $40 to $55/mo. HDG is a strong option for healthy Indiana retirees who rarely use medical services and want to minimize monthly costs. Mutual of Omaha and Cigna are the leading HDG carriers in Indiana.
Where can I get free Medicare Supplement help in Indiana?
Indiana's State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling. Call 1-800-452-4800 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
Find the Best Medigap Rate in Your Indiana ZIP Code
Indiana has a competitive Medigap market with over 25 carriers and Plan G starting at just $93/mo in Indianapolis. Enter your ZIP code to see exact rates from all available carriers in your area. Remember, your Open Enrollment Period is the best time to lock in coverage without medical underwriting.