Medicare Supplement Plans Indiana 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 14th, 2024

Are you looking for clarity on Medicare supplement plans in Indiana for 2025? This no-fluff guide provides essential information on the latest plan options, revised eligibility rules, and steps to choose the right coverage. Armed with this knowledge, you can confidently secure a plan that fits your healthcare and financial needs.


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Understanding Medicare Supplement Plans in Indiana for 2025

Understanding Medicare Supplement Plans in Indiana for 2025


Ten standardized options are available for Medicare Supplement plans in Indiana for 2025, providing consistency across the state. These plans provide a safety net for over 390,000 Medicare beneficiaries. They supplement Original Medicare coverage, filling in the gaps and helping cover out-of-pocket costs. Emphasizing any updates specific to the year, the focus for 2025 includes highlighting the range of plans available, from Plan A to Plan N.

Recent legislative changes have led to a notable update: the inclusion of beneficiaries under the age of 65. This inclusion brings Indiana in line with states like Arizona and Texas, which have expanded Medigap access for those under 65.


Diving into Plan Details

In Indiana, Medicare Supplement plans, identified by letters A through N, offer a range of Medicare Supplement coverage benefits. Some popular plans include:

  • Plan F: Known for being comprehensive but costly
  • Plan G: Popular for its cost-effectiveness
  • Plan N: Offers comprehensive coverage with added copays for specific services

It’s important to compare the different plans and their benefits to choose the right Medicare Supplement Insurance for your needs.

High-deductible plans such as Plans F and G have a deductible subject to annual adjustments tied to the Consumer Price Index, with a benchmark of $2,800 for 2024 expected to inform 2025’s figures.

On the other hand, Medigap plans K and L offer a cap on annual out-of-pocket spending. This protection ensures that all Medigap plans can cover additional out-of-pocket costs that Original Medicare does not. This flexibility in choosing a plan that suits your needs is a significant advantage of Medigap plans.


The Best Medicare Supplement Plans in Indiana for 2025


The Best Medicare Supplement Plans in Indiana for 2025


Navigating the landscape of Medicare Supplement plans can be complex. However, some plans stand out due to their comprehensive coverage and popularity. In Indiana, Medicare Supplement Plans F and G have been most popular due to their comprehensive coverage. However, eligibility for Plan F is restricted to those who enrolled in Medicare before 2020.

Plan N, despite not including Medicare Part B excess charges, is sought after for its similar benefits to Plans F and G but at a more affordable rate. In terms of providers, Cigna stands out as the top provider for Medicare Supplement Plan G in Indiana, offering an average monthly rate significantly lower than the state average.

Other notable providers include Cigna’s Medigap Plan N and UnitedHealthcare, which are recognized as the best providers for Medigap Plans A, B, C, K, and L in Indiana.


Medicare Plan G 2025


Medicare Plan G 2025


Medicare Plan G, a perennial favorite among Medicare beneficiaries, is slated to become even more beneficial in 2025. Thanks to recent legislation passed in Indiana in 2024, Medigap insurers are required to make all plans available to under-65 beneficiaries starting in 2025. This means that more people will be able to access the benefits of Medicare Plan G, leading to more comprehensive coverage for Indiana residents.

Moreover, this legislation prohibits higher premiums for Medigap plans A, B, and D for beneficiaries under 65 and limits premiums for other Medigap plans, including Plan G, to no more than 200% of the age-65 premiums. This significant change means that Medicare Plan G will become more affordable for a broader range of beneficiaries.


Medigap Plan N 2025


Medigap Plan N 2025


For those seeking comprehensive coverage at an affordable rate, Medigap Plan N is an excellent option. Like Plan G, Plan N is also set to benefit from the new legislation passed in Indiana in 2024. From 2025 onwards, Medigap insurers will be required to offer all plans, including Plan N, to beneficiaries under the age of 65. Furthermore, the premiums for these plans will be capped at no more than 200% of the premiums for beneficiaries aged 65.

This means that, starting from 2025, more people will have access to Medigap Plan N and will be able to do so without worrying about excessively high premiums. This expansion of eligibility and affordability will undoubtedly make Plan N a popular choice among Medicare beneficiaries in Indiana.


Medicare Supplement Plan F 2025


Medicare Supplement Plan F 2025


Among Medicare beneficiaries, the popular choice has been Medicare Supplement Plan F, known for its comprehensive coverage. However, from 2025 onwards, new legislation in Indiana will impact who can access Plan F and how much it will cost. Under the new rules, insurers will be required to offer all Medigap plans, including Plan F, to beneficiaries under the age of 65 without charging higher premiums for Plans A, B, and D.

This means that more people will be able to benefit from Plan F’s comprehensive coverage at a more affordable price.


Comparing Costs and Providers

Cost is a significant factor when choosing a Medigap plan. In Indiana, the monthly cost for Medigap plans varies by age, with 65-year-olds paying around $114 and 75-year-olds paying approximately $210. It’s also worth noting that different insurance companies may offer the same Medigap policy at varying prices, making it crucial to get quotes reflecting personal health conditions.

In terms of providers, Cigna and UnitedHealthcare are recognized for their affordable and high-quality plans. These companies offer a range of plans with different coverage options and premiums, allowing you to choose the plan that best suits your healthcare needs and budget.



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Essential Factors When Choosing a Medigap Plan

The process of choosing a Medigap plan necessitates careful consideration and is a significant decision. You’ll need to:

  1. Evaluate the benefits each plan covers
  2. Select a plan that meets your healthcare needs
  3. Compare the benefits of each Medigap plan
  4. Select one that aligns with both your current and anticipated healthcare needs.


Prescription Drug Coverage Considerations

When selecting a Medigap plan, considering prescription drug coverage is vital. Medicare Part D in Indiana provides seniors with access to prescription drug benefits and is expecting improvements in 2025 to lower drug costs for beneficiaries. Therefore, it’s essential to check if your preferred pharmacy is part of the Medicare Part D plan’s network and confirm your medications are on the plan’s formulary, possibly with cost-saving generic options.

Moreover, the Medicare Part D coverage gap, set to close in 2025, affects out-of-pocket prescription costs after reaching a certain spending limit until catastrophic coverage kicks in. This change will significantly reduce potential healthcare expenses for many beneficiaries, making it an essential consideration when choosing a Medigap plan.


Balancing Out-of-Pocket Costs

Evaluating a Medicare Supplement plan within the context of your budget is essential when making a choice. This includes factoring in potential costs like:

Plans with more comprehensive coverage typically have higher premiums, posing a challenge for beneficiaries to find the right balance between cost and the level of protection they need, especially as they cover health reform.

However, the Inflation Reduction Act will benefit Medicare beneficiaries by capping annual out-of-pocket costs at $2,000 for those with Medicare Part D starting in 2025, significantly reducing potential healthcare expenses. This financial protection can make a significant difference in your healthcare costs, making it an essential factor to consider when choosing a Medigap plan.


Enrollment Periods and Eligibility Criteria

When choosing a Medigap plan, the crucial aspects include enrollment periods and eligibility criteria. In Indiana, the Medigap Open Enrollment Period is a 6-month window that starts the first day of the month when a person turns 65 or older and enrolls in Medicare Part B, offering guaranteed-issue rights.

After this open enrollment period ends, Medigap policies may still be available but may cost more and are subject to medical underwriting.


Navigating the Initial Enrollment Period

The Medigap open enrollment window is a one-time, six-month period that begins when an individual is 65 or older and enrolls in Medicare Part B. This enrollment period offers a guaranteed-issue right, meaning coverage cannot be denied based on medical history. This means that more people will have access to Medigap plans, regardless of their health status.

However, it’s important to note that missing this enrollment window can lead to limited plan options and potentially higher premiums based on one’s health status when applying for Medigap coverage later. Therefore, it’s crucial to be aware of this enrollment period and make the most of it to ensure you get the best possible coverage.


Understanding Special Enrollment Scenarios

Special enrollment scenarios allow individuals to sign up for a Medigap plan outside of the open enrollment period. For example, if individuals in Indiana lose coverage from a Medicare Advantage Plan or other health insurance, they have a guaranteed-issue right to buy a Medigap policy during a 63-day window after their previous coverage ends.

Furthermore, Indiana residents losing Medicaid eligibility are granted a Special Enrollment Period, during which they can enroll in a Medigap plan without health underwriting or pre-existing condition exclusions. Understanding these special enrollment scenarios is crucial to ensure you can access the coverage you need when you need it.


Tailoring Medigap to Your Healthcare Needs

The flexibility of Medigap policies stands as one of their key advantages. Medigap policyholders have the freedom to:

  • Visit any doctor or hospital that accepts Medicare, ensuring they are not limited to specific networks and can choose providers that best suit their healthcare needs.
  • You can choose from ten standardized Medigap plan designs labeled A through N, which offer consistent benefits across different insurers.
  • Compare plans more easily based on additional coverage options rather than basic benefits.

This flexibility allows individuals to tailor their coverage based on anticipated healthcare utilization and changes in health status.


Assessing Health Conditions and Future Needs

Considering the specific health services and benefits one might need presently and in the future is imperative when selecting a Medigap policy. This requires a careful assessment of your current health conditions and an understanding of how those conditions might evolve in the future. It’s also crucial to remember that you may not be able to switch Medigap policies easily later on, so forecasting future healthcare needs is crucial during the selection process.

In Indiana, individuals under 65 may be able to buy a Medigap policy if they are eligible for Medicare due to End-Stage Renal Disease (ESRD) or disability. Still, federal law does not require companies to sell Medigap policies to those under 65. Therefore, it’s important to understand the specific eligibility criteria and make sure the plan you choose is accurately tailored to your health conditions and needs.


Financial Assistance and Cost-Sharing Options

For many beneficiaries, the cost of Medigap plans can pose a significant concern. Thankfully, various financial assistance and cost-sharing options are available to help individuals manage these costs. Indiana provides state subsidies that can reduce premium costs for Medicare Supplement plans based on income.

Cost-sharing benefits, such as reductions in copayments and deductibles, are also available to disabled Medicare beneficiaries and those with incomes falling below 150% of the Federal Poverty Level. In addition, beneficiaries who have both Medicare and Medicaid are considered ‘dual eligible’, which may afford them extra assistance with Medicare Supplement plan costs.


Federal and State Programs

Beyond state subsidies, there are several federal and state programs that offer financial assistance for Medigap plans. For instance, the HoosierRx program in Indiana requires residency, being 65 or older, and having an income below 150% of the Federal Poverty Level plus $240 per year for eligibility. The program has established partnerships with companies such as AARP/United HealthCare, CIGNA, and WellCare to serve its beneficiaries. Indiana residents can apply for HoosierRx by calling the program or downloading an application form from the Indiana Family and Social Services website.

Another valuable resource is the Indiana CHOICE program, which provides additional services and support to individuals who qualify for HoosierRx. These programs, together with the financial assistance and cost-sharing options mentioned earlier, can make Medigap plans more affordable.


The Role of Health Insurance Experts

While the process of choosing a Medigap plan can be complex, you need not navigate it alone. Consulting with an individual health insurance broker can guide individuals through the complexities of Medicare Supplement plans, leading to more informed decisions. These experts can save clients time by researching Medicare plan options and save money by finding plans that offer comprehensive coverage at lower costs.

They also provide valuable year-round support and advocacy for clients, assisting with billing issues and plan-related questions and ensuring health plan needs are met.


Finding the Right Advisor

When selecting a Medicare advisor, it is important to look for qualities such as transparency, impartiality, and well-informedness. A competent Medicare advisor should offer comprehensive services, including ongoing support and assistance with billing and coverage queries. Advisors who represent multiple insurance companies can offer a wider range of plan options to better cater to individual healthcare needs.

Requesting information about other clients’ experiences with advisors’ recommended plans can provide valuable insight into their suitability. By choosing the right advisor, you can navigate the complexities of Medicare Supplement plans with ease and confidence, ensuring you choose the plan that best meets your needs.


Updates on Health Reform and Medigap Policies

Recent reforms in the constantly evolving world of healthcare have brought about significant changes to Medigap policies in Indiana. Upcoming legislation in Indiana, scheduled for 2025, mandates that Medigap insurers offer all plans to beneficiaries under the age of 65 and restricts these premiums for plans A, B, and D to the same rates as those for beneficiaries over 65.

In addition to these policy changes, CMS is enacting updates to Medicare Advantage and Part D payment schemes, enhancing payment accuracy through a phased-in MA risk adjustment model and adjustments pertaining to medical education costs. These changes are set to greatly impact Medigap policies and the way beneficiaries navigate their healthcare coverage.


Impact of Affordable Care Act on Medigap

Medigap policies, like healthcare across the United States, have undergone significant changes due to the Affordable Care Act (ACA). The Centers for Medicare & Medicaid Services (CMS) is allowing the public to submit comments on the proposed changes for the Calendar Year (CY) 2025 for Medicare Supplement plans until March 1, 2024. The official CY 2025 Rate Announcement and Part D Redesign Program Instructions will be released by April 1, 2024, influencing the regulations and premiums for Medigap plans.

These changes can have a significant impact on the coverage and costs of Medigap plans. It’s crucial to stay updated on these changes to ensure you can make the most informed decision when choosing a Medigap plan.


Maximizing Benefits with Indiana’s Top Medigap Plans

Ultimately, it’s not just about choosing a Medigap plan but about maximizing its benefits. In Indiana, some of the top Medicare Advantage plans are:

  • 5-star and 5-star plans
  • Plans with comprehensive coverage and high-quality service
  • Plans with low-cost availability and strong customer satisfaction
  • Plans that conform to specific performance standards

These plans offer excellent coverage and are worth considering when choosing a Medigap plan in Indiana.

By choosing a high-rated plan, you can rest assured that you’re getting the most from your coverage.


Spotlight on High-Rated Plans

For high-rated plans, performance metrics like claims processing speed, pricing, and customer service heavily influence Medicare Supplement plan ratings in Indiana. Plans with the highest ratings for claims processing and pricing are Plan G and Plan N, both receiving top scores for their efficiency and competitiveness.

Moreover, beneficiary reviews highlight satisfaction with the comprehensiveness of Plan F coverage despite its higher premiums compared to other plans. By choosing a high-rated plan, you can ensure you’re getting the best possible coverage for your needs, giving you peace of mind and security in your healthcare coverage.



In conclusion, choosing a Medicare Supplement plan is a significant decision that requires careful consideration of numerous factors. From understanding the various plan options available to assessing your health conditions and future needs to consulting health insurance experts and staying updated on health reforms, the journey to choosing the right Medigap plan can be complex. However, with the right information and guidance, you can navigate this journey confidently and make an informed decision that best suits your healthcare needs and financial situation.

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Frequently Asked Questions

Can individuals under 65 enroll in Medicare Supplement plans in Indiana?

Starting in 2025, Indiana legislation requires all Medicare Supplement plans to be available to individuals under 65, including those with disabilities. This change expands access to Medigap policies, providing younger beneficiaries with the same range of options available to those over 65.


How do Medigap plans in Indiana complement Original Medicare?

Medigap plans in Indiana are designed to fill the “gaps” in Original Medicare coverage by covering additional out-of-pocket expenses such as deductibles, coinsurance, and copayments. These supplemental insurance policies are standardized across insurers, offering a range of plans labeled A through N, each with a different level of coverage. By choosing a Medigap plan, Indiana residents can enjoy more predictable healthcare costs and potentially lower out-of-pocket expenses for Medicare-approved services.


Can Indiana residents choose any doctor with Medigap plans?

Yes, Indiana residents with Medigap plans have the freedom to choose any doctor or healthcare provider that accepts Medicare. Unlike some Medicare Advantage plans that have network restrictions, Medigap plans do not limit beneficiaries to a network of providers. This means that individuals with Medigap plans can receive care from any Medicare-participating doctor across the country, offering greater flexibility and choice in their healthcare decisions.


What are Medicare Supplement plans?

Medicare Supplement plans, also known as Medigap, help cover out-of-pocket costs like coinsurances, copayments, and deductibles, supplementing Original Medicare coverage.


What is the Medigap Open Enrollment Period?

The Medigap Open Enrollment Period is a 6-month window that begins when you turn 65 or older and enroll in Medicare Part B. During this time, insurance companies are not able to deny you a Medigap policy or change the price based on your health.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Medicare Supplement Plans Indiana in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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