There are fewer than 33,000 Medicare beneficiaries in Carmel, Indiana currently. But not all of them have the most cost-effective Medicare plan. Let’s take a look at the options which might help you save money.

Carmel Indiana Supplemental Medicare Plans

Most Indiana Medicare beneficiaries in Carmel are between 71-72 years of age, and female. Furthermore, a troubling number of them have not yet purchased a Medicare supplement, which could leave them vulnerable to potentially bankrupting medical expenses.

Average Medicare Advantage Plans in Carmel, Indiana

Hamilton County offers beneficiaries 44 different Indiana Medicare Advantage plans to choose from. Of these, your average Medicare Advantage plan starts with a $0 premium, which can be a financial boon for retirees.

The average maximum out-of-pocket cost for these plans is $4,890. That’s how much you’ll have to pay for things like coinsurance, premiums, and other shared costs. Both Ascension and Unitedhealthcare fall below this average.

Anthem BCBS is slightly higher than the average with a MOOP of $4,900. It also has a PPO network, which means you can choose almost any doctor or hospital you want. It’s also cheaper to go out of network if you need to.

Aetna and Humana have MOOPs that are much higher than average. But they also have higher customer service ratings. It could be that some beneficiaries think the cost is worth the service.

PLAN PREMIUM MOOP Plan Type Star Rating
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

Don’t forget: our Medicare Advantage FAQ pages are here, and chock-full of helpful information.

Cheapest Medicare Supplement Plans in Carmel, Indiana

There’s lots of debate about whether Medicare Advantage or Medigap is the better supplement plan. But it really boils down to your personal needs.

For example, if you don’t need to travel, then you don’t need to pay for a plan that has that benefit. Neither Plan A nor Plan B offers travel insurance, which makes them much cheaper.

If you feel like you need comprehensive coverage and lots of care, Plan G or Plan F might work best. They aren’t the cheapest options if you want a low monthly premium. But they could be the cheapest option if you want the lowest overall medical costs.

Conversely, these plans have high-deductible alternatives. You’ll save a ton by paying some of the cheapest monthly premiums available in Carmel. But make sure your budget can handle the high deductible for something like Plan HDG, just in case.

PLAN A $81.26 $376.32
PLAN B $94.00 $308.12
PLAN C $107.00 $390.25
PLAN D $101.00 $237.23
PLAN F $106.24 $391.37
PLAN HDF $29.00 $60.44
PLAN G $94.01 $341.10
PLAN HDG $29.00 $58.11
PLAN K $48.25 $134.50
PLAN L $60.75 $224.85
PLAN M $69.26 $257.79
PLAN N $71.13 $328.77

Our Medigap FAQ pages can help you learn so much more about how Medigap and Medicare work together to save you money.

Affordable Medicare Part D in Carmel, Indiana

If you purchase an Indiana Medigap plan, it’ll pair well with Medicare Part D. Neither Medigap nor Original Medicare provide for prescription drugs (but Medicare Advantage does).

If you want an affordable Indiana drug plan, be sure to balance your monthly premiums and deductibles. UnitedHealthcare is actually more affordable than it looks because of this. The lower deductible helps mitigate the high monthly premium cost.

Customer service is important, too. It can reflect things like a variety of drugs on the formulary, speedy claims service, and more. UnitedHealthcare and Humana are tied for above-average service.

Obviously, Aetna is the most affordable plan on this shortlist. It even has a decent customer service rating. But you’ll still want to contact the company to double-check that they cover the drugs you need before purchasing the plan.

Aetna $6.80 $480 3
Wellcare $12.90 $480 3
Clear Spring $22.20 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Still confused about Medicare Part D? We understand. And our Part D FAQ pages can help.

Medicare Special Needs Plans

Special Needs Plans (SNPs) are for retirees who are diagnosed with at least one chronic, disabling condition. Because the care they require is so expensive, there are specific Medicare Advantage plans which are designed to keep medical costs low.

All of the top SNPs in Carmel, Indiana offer a $0 premium and HMO networks. So what really sets them apart from one another are the out-of-pocket costs. Humana has the lowest at $3,450, tied with Ascension.

The other three – Caresource, Aetna, and Mdwise – have a higher MOOP of $7,550. So how do you choose between these plans? Looking up info on their customer service ratings is a good start, but we can help with much more.

PLAN PREMIUM MOOP Plan Type Eligibility
Caresource $0 $7,550 HMO Dual
Aetna $0 $7,550 HMO Dual
Humana $0 $3,450 HMO Dual
Mdwise $0 $7,550 HMO Dual
Ascension $0 $3,450 HMO Dual


What are the negatives of a Medicare Advantage plan in Carmel, Indiana?

For starters, you’re trading away your government benefits for a private plan from a for-profit company. And there’s no guarantee it’ll be cheaper than Medicare in the long run. But our experts can help you figure out if it’s a good deal.

Who pays for Medigap in Carmel, Indiana?

You, the plan member and Medicare beneficiary, do. In turn, your Medigap provider pays for covered expenses after Medicare pays its share.

Can Medigap premiums be deducted from Social Security in Carmel, Indiana?

Unfortunately, no. You will have to pay your provider directly each month.

How to Sign Up for Supplemental Medicare in Carmel

If you are a Medicare beneficiary in Carmel, Indiana, and are looking for supplemental insurance coverage, we can help. We compare rates from all of the top carriers in Indiana so that you can find the best plan to fit your needs. Call us today or fill out our rate comparison form to get started.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for 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.