There are nearly 1,277,000 Medicare beneficiaries in Indiana right now. But not all of them are enrolled in the Medicare plan right for them.

Keep reading to find out if you’re under or over-enrolled in Medicare.

Medicare in Indiana: Facts & Figures

  • Currently, a total of 764,236 beneficiaries are enrolled in both Medicare Part A and Part B.
  • Of those, 642,251 enrolled during their Initial Enrollment Period when they turned 65
  • The other 121,986 enrolled due to a qualifying disability
  • A little under 445,000 are enrolled in a Medicare Advantage plan
  • A little over 964,000 are enrolled in some prescription drug plan

Medicare Costs in Indiana for 2024

Part A and Part B of Medicare handle your hospital and doctor’s medical expenses, respectively. The best way to get these parts of Medicare at the lowest cost is to have a 40-quarter work history. This qualification entitles you to premium-free Part A, which can save you up to $505 per month for beneficiaries who have to purchase Part A.

You can expect to pay a monthly premium and an annual deductible for Medicare Part B. But these are at a significant discount in comparison to Part A. The monthly premium will is based on your income on your tax returns.

The annual deductible is fixed and listed below. But it changes on an almost yearly basis to adjust with inflation. That’s why it’s important to bookmark this site and keep checking back for updated, accurate information.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Not everybody who enrolls in Original Medicare simultaneously enrolls in Parts A and B. 855,000 people have Part A, but only 766,000 receive Part B benefits. Delaying Medicare Part B is common with younger beneficiaries, especially those who still have employer-sponsored health care past age 65.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Indiana

Unfortunately, Original Medicare isn’t as comprehensive as most recipients think. Parts A and B alone don’t provide for prescription drugs, extended hospital stays, dental, vision, and Part B can come with some pretty high coinsurance costs. Most recipients invest in a good Medicare Supplement to keep them covered.

Medigap supplements are good for beneficiaries who are happy with their Original Medicare but want a little help with the rest. These small, relatively affordable plans cover the gaps in Medicare (but nothing more). Beneficiaries also find Medicare Part D valuable for helping with prescription drugs since Medigap policies don’t cover prescriptions.

Medicare Advantage is another way to get the same benefits as Original Medicare and prescription drugs covered at the same time. Medicare Advantage beneficiaries can also get things like vision and dental covered if these options are available in their zip code (but at an extra cost).

Choosing a Medigap plan or Medicare Advantage depends on your unique circumstances. In some areas, Medigap is cheaper; in others, it’s the other way around. Furthermore, your individual healthcare needs may require one type of supplement over another.

Indiana Medicare Resources

If you want free, local resources to help you with your Medicare plan, you can consult the following:

But if you need specific help finding the right Medicare Supplement Plan for your situation, our Medicare experts will be happy to help you.

Cities in Indiana with Medicare Supplement Coverage Estimated Premiums

We’ve created handy charts with the estimated premiums for Medicare Supplement coverage for the below cities:


How many Medicare Advantage plans are available in Indiana?

That depends on where you live in the state. Medicare Advantage plan availability will vary by zip code. But at least 25 different plans are available in Indiana right now.

What is the downside to Indiana Medigap plans?

One of the main downsides is that they don’t cover prescription drugs, dental, vision, or hearing care.

But you can enroll in Medicare Part D for prescription drug coverage. You can also search for private insurance, which covers things like dental, vision, and hearing near you.

Is a Medigap plan better than a Medicare Advantage plan in Indiana?

That depends on many different factors. Some believe that Medicare Advantage is better for younger beneficiaries who are in better health and don’t require much medical care.

The more you use your Medicare benefits, the more often you will have to pay for gaps in coverage. Beneficiaries requiring regular care could save money with a Medigap plan over Medicare Advantage.

Is Medigap the same as supplemental insurance in Indiana?

Yes. The formal name for Medigap insurance is Medicare Supplement Insurance. Medigap is a convenient nickname that describes how the insurance supplement covers the gaps in your Original Medicare coverage.

Can you switch from Medicare Advantage to Medigap without underwriting in Indiana?

There are two enrollment periods to look out for if you want to switch from Medicare Advantage to Medicare Supplement without facing medical underwriting.

Those situations include the Medicare Supplement Open Enrollment Period and any Special Enrollment Period, depending on which one you qualify.

How to Sign Up for Supplemental Medicare in Indiana

If you want to protect yourself from high healthcare costs and are on Medicare, seriously consider a Supplemental Medicare plan in Indiana. A Medicare Supplement plan will close the gaps in your current Medicare for a monthly premium; in exchange, you have full coverage for your medical expenses.

Our licensed insurance agents have the time and knowledge to expertly pair you with the supplement plan that best fits your needs. Their assistance is free to you, so there’s no reason not to use it!

Give us a call today. Or complete our easy online rate form to connect with the best rates in your area of Indiana.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.