In some parts of Indiana, the Medicare Advantage participation rate is as high as 38%. That means that more than a third of Indiana beneficiaries have switched from federal Medicare to a similar, private plan. Let’s learn more about what that means.

How Medicare Advantage Plans Work in Indiana

Switching to Medicare Advantage is a pretty big change. You aren’t just switching your health care payer from the federal government to a private company. You also may get radically different benefits based on which plan you choose.

Depending on the county you live in, you could have as few as 25 or more than 45 Medicare Advantage plans available in Indiana. You choose your plans based on the benefits you want, which may include additions like prescription drugs, vision, dental, or hearing coverage, among others.

These plans are different from carrier to carrier, which is why it’s so important that you understand what each plan covers before enrolling by looking at the summary of benefits closely.

In some cases, you could end up paying a $0 monthly premium in exchange for services. But be sure to keep track of things like deductibles, copays, and coinsurance, because that’s where costs can skyrocket.

Medicare Advantage Plans Offers in Indiana

Medicare Advantage plans are like a box of chocolates: you never know what you’re going to get. This is because there’s no government-imposed standardization like there is with Medigap. The only requirement that providers must meet is that their plans have equal benefits to Original Medicare.

Below, we have some information for you about Indiana Medicare Advantage plans with $0 plan deductibles, $0 drug deductibles, and Part B reductions. But these details are zip code specific. If you live in a zip code different from the one we used to gather our information, your offers may be slightly different.

Medicare Advantage Plans with a Zero Dollar Premium in Indiana

When it comes to insurance, including Medicare Advantage, you will have to share the cost of your medical care with your provider. Signing up for a $0 monthly premium plan may feel like a good deal. but Medicare Advantage providers often charge higher out-of-pocket costs like copays and coinsurance in order to make up for the lost revenue.

For the absolute lowest cost, you might want to purchase an Ascension plan. Not only does it come with a $0 monthly premium, but your maximum out-of-pocket cost is capped at $3,450. And it’s a PPO medical network, which means you can still get your care covered for a pretty reasonable price even if you go out of network.

If you want a combination of value and good customer service, Unitedhealthcare might be the provider for you. Your maximum out-of-pocket cost is under $4,000 and it has a 4-star customer service rating. But it has an HMO medical network, meaning that you have fewer providers to choose from and will have a harder time going out of network.

The cheapest Medicare Advantage plan with high customer service ratings and low costs is Aetna right now. They have a four-star rating, a PPO network, and the out-of-pocket maximum is capped at $5,500 along with a $0 monthly premium.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Ascension $0 $3,450 LOCAL PPO N/A
Unitedhealthcare $0 $3,900 HMOPOS 4
Humana $0 $6,700 LOCAL PPO 4
Aetna $0 $5,500 LOCAL PPO 4
Anthem BCBS $0 $4,900 LOCAL PPO N/A

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Indiana

Again, Ascension is one of the most affordable plans on this list. It has the lowest maximum out-of-pocket cost in addition to a $0 drug deductible.

Humana might be the next best choice. They have a $3,900 maximum out-of-pocket cap and they have a four-star customer service rating.

The most expensive would be Mytruadvantage. They have a $4,200 out-of-pocket maximum, they’re an HMO, and they don’t have any customer service ratings.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Ascension $0 $3,450 LOCAL PPO N/A
UnitedHealthcare $0 $3,900 HMOPOS 4
Mytruadvantage $0 $4,200 HMO N/A
Humana $0 $3,900 HMO 4
Wellcare $0 $3,900 HMO 3

Medicare Advantage Plans with a Part B Reduction in Indiana

Unfortunately, Part B giveback options are limited by zip code. So there’s no guarantee that you’re eligible for the $100 Ascension Complete plan unless you contact one of our experts to find out if it’s available in your area.

UnitedHealthcare is the next most affordable. It only has a $40 reduction, but a high customer service rating and a $5,500 out-of-pocket cap.

Wellcare is one of the most expensive plans with a maximum out-of-pocket cost as high as $7,550. It also has a low $29 Part B reduction.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Aetna $0 $5,500 $35.00 4
Ascension Complete $0 $2,900 $100.00 N/A
UnitedHealthcare $0 $5,500 $40.00 4
Anthem BCBS $0 $6,700 $50.00 N/A
Wellcare $0 $7,550 $29.00 3

Ancillary/DVH

Another good thing about Medicare Advantage in Indiana is that you might have the option to add ancillary coverage that you cannot get with Original Medicare. This usually includes benefits like dental, vision, hearing, and more.

Indiana Cities with Estimated Premiums for Medicare Supplement Coverage

With talk about supplemental Medicare coverage, you might be wondering about some estimated prices for this. Luckily, there are charts for the following major cities below:

FAQs

Is Medicare Part D the same as Medicare Advantage in Indiana?

There are different and separate plans. Medicare Advantage replaces Original Medicare and offers prescription drug benefits at the same time. Part D, however, is a supplemental plan you can only get with Original Medicare.

Do I need Medicare Part D if I have an Advantage plan in Indiana?

No. Medicare Advantage already has prescription drug coverage built into most plans.

Can you have a Part D plan with an Advantage plan?

No, this is illegal. It would be a form of duplicate coverage, forcing you to pay for benefits twice over.

How to Enroll in an Indiana Medicare Advantage Plan

Medicare Advantage plans can often offer benefits that Original Medicare in Indiana doesn’t. So in many cases, it can be extremely beneficial to research the right Part C plan for you.

Luckily, our licensed insurance agents can offer their knowledge and assistance to help you with any supplemental Medicare you might need. Their time is free of charge to you, and there’s no obligation.

So give our agents a call today. Or simply find and complete our online rate form today to get the best rates in your area of Indiana.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.