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

Medicare plans in Carmel, Indiana

Most Indiana Medicare beneficiaries in Carmel are 71-72 years of age and female. Furthermore, many have not yet purchased a supplement Medicare insurance policies, which could leave them vulnerable to potentially bankrupting health care costs.

Medicare Advantage plans

Hamilton County offers beneficiaries 44 different Indiana Medicare Advantage plans. 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 coinsurance, premiums, and other shared expenses. 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, meaning you can choose almost any doctor or hospital. It’s’ also cheaper to go out of network if needed.

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.

The average cost of Medicare Advantage plans in Carmel, Indiana

PLAN PREMIUM MOOP Plan Type Star Rating
Ascension $0 $3,450 LOCAL PPO N/A
UnitedHealthcare $0 $3,900 HMO-POS 4
Humana $0 $6,700 LOCAL PPO 4
Aetna $0 $5,500 LOCAL PPO 4
Anthem BCBS $0 $4,900 LOCAL PPO N/A

Remember that our Medicare Advantage FAQ pages are here and chock-full of helpful information.

Medicare Supplement plans

There’s much debate about whether Medicare Advantage or Medigap is the better supplemental Medicare health insurance. However, it boils down to your personal needs.

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

Plan G or Plan F might work best if you feel like you need comprehensive coverage and lots of care. They aren’t the cheapest options if you want a low monthly premium. But they could be the most affordable option if you wish to have 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.

The average cost of Medicare Supplement plans in Carmel, Indiana

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 much more about how Medigap and Medicare work together to save money.

Medicare Part D prescription drug plans

If you purchase an Indiana Medigap plan, it’ll’ pair well with Medicare Part D prescription drug plan. Neither Medigap nor the Original Medicare program provides prescription drug coverage, but Medicare Advantage does.

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

Customer service is essential, too. It can reflect various drugs on the formulary, speedy claims service, and more. UnitedHealthcare and Humana are both tied for above-average service.

Aetna is the most affordable prescription drug 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.

The average cost of Medicare Part D plans in Carmel, Indiana

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.

Special Needs plans

Special Needs Plans (SNPs) are for retirees with at least one chronic, disabling condition, enrolled in Medicaid or living in an institutionalized setting. Because of these special needs, specific Medicare Advantage plans help to keep medical costs low.

All of the top SNPs in Carmel, Indiana, offer a $0 premium and HMO networks. So what 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 their customer service ratings is a good start, but we can help with much more.

The average cost of Medicare Special Needs plans in Carmel, Indiana

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

How to sign up for Medicare plans in Carmel

If you’re a Medicare beneficiary in Carmel, Indiana, and are looking for supplemental insurance plans, 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 to speak with a licensed insurance agent, or fill out our rate comparison form to get started.

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.