Best Indiana Medicare Advantage Plans for 2024

In some parts of Indiana, the Medicare Advantage participation rate is as high as 38%. Over one-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 significant change. You’re not 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 your county, you could have as few as 25 or more than 45 Medicare Advantage plans available in Indiana. You choose your plans based on your desired benefits, including additions like prescription drugs, vision, dental, or hearing coverage.

These plans differ from carrier to carrier, so you must understand what each plan covers before enrolling by closely looking at the benefits summary.

Sometimes, you could pay a $0 monthly premium for services. But keep track of 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’ll 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 is some information about Indiana Medicare Advantage plans with $0 plan deductibles, $0 drug deductibles, and Part B reductions. But these details are zip code specific. Your offers may be slightly different if you live in a zip code different from the one we used to gather our information.

Medicare Advantage plans with a zero-dollar premium in Indiana

Regarding insurance, including Medicare Advantage, you must share the cost of your medical care with your provider. Signing up for a $0 monthly premium plan may be a good deal. But Medicare Advantage providers often charge higher out-of-pocket costs like copays and coinsurance to compensate for the lost revenue.

You might want to purchase an Ascension plan for the absolute lowest cost. It comes with a $0 monthly premium, and your maximum out-of-pocket cost is limited to $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.

UnitedHealthcare might be your provider if you want a combination of value and good customer service. 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 you have fewer providers to choose from and no coverage out of network, except emergency care.

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

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 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.

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 of $7,550. It also has a low $29 Part B reduction.

Ancillary/DVH

Another good thing about Medicare Advantage in Indiana is that you can add ancillary coverage that you can’t get with Original Medicare. This usually includes benefits like dental, vision, hearing, and more.

Indiana cities with estimated premiums for supplemental Medicare coverage

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

• Carmel
• Evansville
• Fort Wayne
• Indianapolis
• South Bend

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 simultaneously. 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 often offer benefits that Original Medicare in Indiana doesn’t. So in many cases, it can be highly 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.