Medigap plans in Indiana (Medicare Supplement plans) provide coverage to help pay the “gaps”, or expenses” that Original Medicare Parts A and B don’t cover. These gaps are deductibles, coinsurance, and copays.
There are 12 different Medigap Plans in Indiana offered by private insurance carriers, with Medicare Plan F and G being the most popular plans.
Below are the most popular Medigap plans in Indiana, as well as a description of each to help you decide which plan is best for you.
The Top 5 Medigap Plans in Indiana are:
- Medigap Plan G
- Medigap Plan N
- Medigap Plan F*
- High-Deductible Plan G
- High-deductible Plan F*
*Medicare Plan F is no longer available to people eligible for Medicare on January 1st of 2020 or later
Medigap Plan G in Indiana
Medicare Supplement Plan G has the highest coverage and is the most popular Medigap plan in Indiana for people new to Medicare. Many people in Indiana still have Medicare Plan F because they were allowed to keep it. This is because Plan F is no longer offered to anyone new to Medicare after January 1st of 2020.
Medigap Plan G pays for 100% of the gaps in Medicare except for the Medicare Part B annual deductible. In 2022 this deductible was $2022 and should be close to this in 2023.
Medigap Plan G Rates in Indiana for 2023
In Indiana Medigap Plan G premiums range from $95 to well over $300 per month.
These rates are determined by several factors, such as:
- Tobacco use
- Zip code
- Household discounts (if applicable, vary by company)
Medigap Plan N in Indiana
Medicare Supplement Plan N is also a very popular plan in Indiana because of its great coverage and even lower premiums than Medicare Plan G. Because it has lower premiums, there are a few out-of-pocket expenses that you might get with Plan N.
Just as with Medigap Plan G, with Plan N you still pay the annual Medicare Part B deductible. After that might have:
- Up to a $20 co-pay for doctor’s visits (telehealth visits don’t apply)
- A $50 co-pay if you visit the emergency room and you’re not admitted (Urgent care visits don’t apply)
- Part B excess charges not covered – Very Rare
Medigap Plan N Rates in Indiana
Using our FREE quote engine you can check the rates and compare the cost between Medicare Plan G and N to see how much you can save.
Medigap Supplement Plans in Indiana 2023
There are no changes in benefits to Indiana Medigap plans in 2023.
If you’ve been with the same Medicare Supplement insurance company for 2 years or more you could be overpaying by a large amount. This is because rate increases happen each year. We watch the rates each year for you so you don’t have to!
Using our website you can check the rates for FREE and see if you’re currently paying too much.
Best Medigap Plans in IN
When it comes down to it, the “best” Medicare supplement plan is the one that you’re comfortable with in terms of benefits and monthly premium.
Medigap Plan G – One low deductible, then 100% coverage. Higher premiums than Plan N
Medigap Plan N – Lower monthly premiums, small out-of-pocket costs such as co-pays, and possibly Medicare Part B excess charges (rare though)
The difference in monthly premiums between Medigap Plan N and G in Indiana can often be up to $30 per month! For people who are healthy but still want great coverage, Medicare Plan N is a great option.
By using our website you can check the cost between Plan G and Plan N in your area to see how much you can save.
Companies Offering Medigap Plans in Indiana
There are several companies in Indiana offering Medigap plans. The most important thing to keep in mind is that they all offer the same plans, with the exact same benefits. Their monthly rates for these plans are all different though.
And, each company has rate increases every year.
We make it easy as we shop for all the top companies to make sure you’re not overpaying on your Medicare supplement insurance, and we do this every year for our clients for FREE.
Top Medigap companies in Indiana are:
- Mutual of Omaha
- United Healthcare
How to Enroll
The easiest way to enroll in a Medigap plan in Indiana is to just give us a call at 1-888-891-0229. Our experienced, licensed agents can answer all of your questions and find you the best Medigap plan and company, for the lowest cost.
We’ll help you every year to make sure you’re in the right spot with all of your Medicare Coverage. Or click below to get started.