Compare Medicare Plans in Indiana (March 2025)

Key Takeaways:

• Indiana offers 144 Medicare Advantage plans with an average monthly premium of $18.55. All Medicare beneficiaries in the state have access to at least one $0 premium plan. 
• For those seeking supplemental coverage, Medigap Plan G in Indiana provides comprehensive benefits at an average cost of $150-$200 per month, while Plan N offers a more budget-friendly option. 
• Indiana residents have access to 16 stand-alone Part D prescription drug plans, with over 65% of beneficiaries being able to switch to a lower-premium plan in 2025.

Your choice of Medicare coverage makes a huge impact on both your healthcare access and financial security. 

Whether you’re approaching Medicare eligibility or considering changes to your current coverage, thoroughly understanding Medicare plans in Indiana is key to making informed decisions. 

This guide walks you through Indiana’s Medicare market, helping you sift through coverage options and plan costs.

Types of Medicare Plans Available in Indiana

Indiana offers a wide range of Medicare plans in Indiana, each designed to meet different healthcare needs and preferences. 

Let’s examine each type of coverage.

Original Medicare (Part A and Part B)

Original Medicare is the foundation of health insurance coverage for Indiana beneficiaries. 

It consists of two parts.

Medicare Part A covers hospital insurance, including: 

• Inpatient hospital stays.
• Skilled nursing facility care.
• Hospice services.
• Other inpatient care.

Most Indiana residents qualify for premium-free Part A coverage if they or their spouse paid Medicare taxes for at least 40 quarters during their working years.

Under this plan, each benefit period comes with a $1,676 deductible, with additional costs depending on the length of inpatient care. 

Medicare Part B provides medical insurance, covering: 

• Doctor visits and outpatient care.
• Preventive services.
• Medical equipment.
• Some home health services.

Part B plans include a $185 standard monthly premium, a $257 annual deductible, and a post-deductible 20% coinsurance cost for covered services.

Data sourced from Medicare Basics.

Medicare Advantage (Part C)

Medicare Advantage of Part C plans combine Original Medicare coverage with additional benefits in a single package. 

Plan C provides all the benefits of Part A and Part B, with the option of adding extra coverage for prescription drugs, vision, hearing, and dental care, and even wellness programs. 

In 2025, Indiana offers 144 Medicare Advantage plans. 

• All Medicare beneficiaries in the state have access to a Medicare Advantage plan.
• The average monthly premium for Medicare Advantage plans rose from $15.69 in 2024 to $18.55 in 2025.
• The lowest monthly premium for a Medicare Advantage plan is $0, and all Indiana residents with Medicare have access to at least one such plan. 

Top Medicare Advantage Plans in Indiana:

Data gathered via CMS.gov and direct provider plans. Comparison of plans from Indiana Zip Code 46806. Star ratings and plan information reflect publicly available data as of 2025.

Top private insurers offering Medicare Advantage plans in Indiana include:

• Aetna.
• Paramount Elite Medicare Plans.
• MyTruAdvantage. 
• Essence Healthcare.
• United Healthcare.
• Humana.

Your health deserves a personalized approach.

At CoverRight, we understand Medicare plans in Indiana and can help you find coverage that fits both your healthcare needs and your budget. 

Let our experts guide you to the right choice.

Medicare Prescription Drug Plans (Part D)

Medicare Part D provides much-needed prescription drug coverage for Indiana beneficiaries, especially those with chronic conditions. 

These plans help cover medication costs while ensuring regular access to necessary prescriptions. They can work as stand-alone plans with Original Medicare or be bundled in as part of a Medicare Advantage plan.

Each Part D plan has a formulary, which is a list of covered drugs organized into different cost-sharing tiers. Your medication’s tier determines how much you’ll pay out-of-pocket for it. 

Understanding Part D coverage is particularly important given rising prescription drug costs.

Learn more: How to Compare Medicare Part D Plans.

In 2025, Indiana residents can access 16 stand-alone Medicare Part D plans, with all Medicare enrollees having access to at least one plan. 

• 65.01% of Medicare Plan D beneficiaries can switch to a plan with a lower premium than they paid in 2024. 
• 24.73% of Indiana Medicare Part D enrollees are eligible for Extra Help, a financial assistance program for Medicare Part D.
• The lowest monthly premium for a stand-alone Medicare prescription drug plan is $0.

Best-rated Medicare Part D plans in Indiana:

Note: Data from Health.USNews.

Medigap (Medicare Supplement) Plans

Many Indiana Medicare beneficiaries find that Original Medicare alone leaves them with significant out-of-pocket expenses. 

Medicare Supplement or Medigap plans help fill these coverage gaps, providing financial protection against deductibles, copayments, and coinsurance. 

This can be especially valuable if you have a chronic health condition or need frequent medical care.

Medigap plans are standardized, so benefits remain consistent across providers. Different private insurers may, however, charge different premiums based on your income level, area of residence, tobacco usage, and other factors. 

Two Medigap plans stand out in popularity in Indiana: 

• Plan G: Covers most Medicare-approved costs except the Part B deductible. This plan appeals to beneficiaries seeking predictable healthcare expenses and minimal surprises in out-of-pocket costs.
• Plan N: provides comparatively lower premiums than Plan G in exchange for cost-sharing on some doctor visits and emergency room care. It does not cover the Part B deductible or excess charges.

Top Medigap Plan G and Plan N providers in Indiana include:

• Aetna Health 
• Anthem 
• Humana 
• Transamerica Life
• Lumico Life 

Average Costs of Medicare Plans in Indiana

Understanding typical Medicare costs helps Indiana residents budget effectively for their healthcare coverage. 

Here’s a comprehensive look at what you might expect to pay:

Note: All data reflect 2025 averages sourced from Medicare.gov, CMS.gov, and the Indiana Department of Insurance, and may vary by provider.

Top Medicare Advantage and Medigap Providers in Indiana

Choosing the right insurance provider significantly impacts your Medicare experience. 

Let’s examine the standout companies offering Medicare plans in Indiana.

Best Medicare Advantage Providers

While lower premiums often catch attention, evaluate plans based on the overall package of benefits and services. 

Indiana’s top providers distinguish themselves through:

• Provider Network Strength: Access to major hospital systems, broad specialist networks, telehealth capabilities, and out-of-state coverage options.
• Additional Benefits: Extras such as comprehensive dental coverage, vision and hearing services, fitness memberships, over-the-counter allowances, and transportation assistance.
• Customer Service and Support: This can include the provider’s local presence in Indiana, member support resources, online account management help, and care coordination services.

Learn more: Finding Medicare Providers: Which One Is Right For You?

Best Medigap Providers

Financial stability and service quality prove just as important as competitive rates when it comes to evaluating Medigap providers in Indiana. 

The best providers demonstrate:

• Strong financial ratings.
• Competitive premium structures.
• Efficient claims processing.
• Responsive customer support.
• Clear policy terms.
• Rate stability history.

Here’s how the top providers compare for Medigap Plan G and Plan N in Indiana:

Plan G Providers

Plan N Providers

Note: Data for Plan G and Plan N from MedicareWire.

How to Choose the Right Medicare Plan in Indiana

Choosing the right Medicare plan can significantly impact your health and financial well-being, so clearly understand all options. 

1. Match coverage to your healthcare status.
2. Review your medical needs, including:
   • Current health needs and medications.
   • Chronic conditions requiring ongoing care.
   • How often you visit doctors or specialists.
   • Potential future health needs.
   • Preferred healthcare providers.
3. Analyze costs thoroughly. 
4. Assess plan features.

Go over monthly premiums, deductibles and copayments, prescription drug costs, potential out-of-pocket expenses, maximum out-of-pocket limits, and emergency care costs.

Consider whether you prefer the flexibility of Original Medicare or the bundled approach of Medicare Advantage plans. When choosing a Part C plan, remember to compare the value of benefits such as dental and vision coverage.

Finally, formularies and out-of-pocket costs should be considered while reviewing Part D prescription drug plans. 

How to Enroll in a Medicare Plan in Indiana

Understanding Medicare enrollment periods is key to securing health insurance without penalties or coverage gaps. 

Here are the timeframes:

• Initial Enrollment Period (IEP): This is your first opportunity to enroll in Original Medicare (Part A and Part B). It begins three months before your 65th birthday, includes your birth month, and includes the next three months. You can also enroll in Medicare Advantage (Part C) and Part D prescription drug plans during this period.
• Annual Open Enrollment Period: You can make changes to your existing Medicare coverage from October 15 to December 7 each year. That includes switching between Original Medicare and Medicare Advantage, changing Medicare Advantage plans, and enrolling in or changing Part D plans.

Learn more: Open Enrollment vs Annual Enrollment: Difference Between AEP and OEP.

• Medicare Advantage Open Enrollment Period (MA OEP): If you’re already enrolled in a Medicare Advantage plan, you can switch to a different plan or return to Original Medicare (and join a Part D plan) from January 1 to March 31 of each year. 
• Special Enrollment Periods (SEPs): Certain qualifying life events such as relocating, losing employer coverage, or qualifying for Medicaid may trigger an SEP. This is an opportunity to enroll in Medicare outside the standard enrollment periods.

Here are the steps to enroll in a Medicare Plan in Indiana:

1. Gather your information: You’ll need your Medicare card (if you already have one), Social Security card, and other personal identification documents. You may also need to provide tax information, bank account information, and a list of existing prescription medications.
2. Choose your enrollment method: You can enroll online, by phone, or with the help of a licensed insurance agent.
   • Online: Enroll through the Social Security website (SSA.gov) or the Medicare website (Medicare.gov).
   • By phone: Call 1-800-MEDICARE (1-800-633-4227) to enroll.
   • With an agent: A licensed insurance agent such as CoverRight can help you understand your options and guide you through enrollment.

Medicare Resources for Indiana Residents

Indiana offers a wealth of resources to help you navigate and make informed decisions about your healthcare coverage.

• Indiana State Health Insurance Assistance Program (SHIP): SHIP is a free and confidential counseling service that helps you understand your Medicare options, compare plans, and resolve coverage issues. 
• Indiana Area Agencies on Aging: These agencies provide a variety of services and support to older adults in Indiana, including information and assistance with Medicare. They can help you connect with local resources, understand your benefits, and access programs that help your well-being.
• Indiana Department of Insurance: It regulates insurance companies in Indiana and provides consumer resources and assistance.

Make Medicare simple in Indiana.

At CoverRight, our specialists deeply understand the Medicare system and the Indiana healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed March 20, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2025 Medicare Advantage and Part D Ratings Fact Sheet. Published October 2024. Available at: cms.gov. Last Accessed March 24, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed March 9, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed March 20, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 23, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed March 22, 2025.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 25, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2025. Available at: kff.org. Last Accessed March 19, 2025.

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