Are you one of the 143,000 Medicare beneficiaries in Evansville, Indiana with an incomplete Medicare plan? If you don’t have a supplement, you could be leaving yourself vulnerable to out-of-pocket costs!

Evansville, Indiana Supplemental Medicare Plans

There are certain gaps in Indiana Original Medicare coverage which can get expensive if you don’t purchase a supplemental plan. Most beneficiaries choose to purchase either Medigap or Medicare Advantage.

Average Medicare Advantage Plans in Evansville, Indiana

The average beneficiary in Evansville, Indiana is 72 years of age and likely still enrolled in Original Medicare. Only around 26% of beneficiaries currently have an Indiana Medicare Advantage plan, even though there are 39 to choose from in Vanderburgh County.

Most Medicare Advantage plans are premium free – but that doesn’t mean that completely free of cost. These plans will have other expenses like a maximum out-of-pocket cost which you must pay upfront for medical expenses. Companies like Indiana University and Humana charge an average MOOP of $5,000.

You can pay a below-average MOOP if you purchase a plan from Ascension. Those costs are capped at $2,900. But they do come with a more limited HMO medical network.

Wellcare and Unitedhealthcare would be considered above average for out-of-pocket costs. But UnitedHealthcare looks like the more attractive option with a lower MOOP and a PPO medical network. You get more doctors and facilities to choose from with a PPO, which can be helpful.

PLAN PREMIUM MOOP Plan Type Star Rating
Ascension $0 $2,900 HMO N/A
Wellcare $0 $7,550 HMO 3
Indiana University $0 $5,000 HMO 4
UnitedHealthcare $0 $5,700 LOCAL PPO 4
Humana $0 $5,000 HMO 4

If you’re curious to know more about Medicare Advantage plans, our Medicare Advantage FAQ pages will get you started.

Cheapest Medicare Supplement Plans in Evansville, Indiana

It’s understandable if you don’t want to switch to a private health plan like Medicare Advantage. You can stick with Original Medicare and purchase an Indiana Medigap supplement instead. These plans play second fiddle to Medicare and only cover the things that Medicare won’t like you’re 20% coinsurance for Part B.

All Medigap plans cover the coinsurance benefit. But not all plans cover it the same way. Plan K and Plan L only cover part of this benefit, while Medigap Plan N asks you to pay a small co-pay instead of the 20% charge.

To get the most benefits, you want to purchase a plan like Plan F or Plan G. These plans offer the most benefits, but only if you pay a higher monthly premium. The cheapest plans start at $102 a month but could go as high as $440 or more.

You could purchase a high-deductible version of these plans for a lower monthly premium. But that means you will have to pay higher out-of-pocket costs upfront to meet that deductible. Or you could choose a similar plan with slightly fewer benefits like Plan D for a maximum of $242 per month.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $91.94 $418.04
PLAN B $94.00 $347.87
PLAN C $107.00 $440.50
PLAN D $101.00 $242.50
PLAN F $115.50 $441.62
PLAN HDF $33.00 $67.91
PLAN G $102.00 $385.62
PLAN HDG $33.00 $67.79
PLAN K $55.42 $151.75
PLAN L $69.92 $249.70
PLAN M $78.26 $286.28
PLAN N $80.00 $371.45

Just so you know, our Medigap FAQ pages have even more useful info.

Affordable Medicare Part D in Evansville, Indiana

If you don’t sign up for Medicare Advantage, you’ll need to supplement Original Medicare with an Indiana Part D prescription drug plan. But these plans are relatively easy and affordable to manage.

What qualifies a plan as a top 10 plan? A low monthly premium, a low deductible, and a high customer service rating. Aetna has 2 of 3, and it’s also the most affordable on the list below.

UnitedHealthcare actually isn’t the least affordable on this list. Its lower deductible helps offset its high monthly premium. And that four-star customer service rating isn’t bad.

Clear Spring and Humana are on the pricier side. They both have relatively high monthly premiums and deductibles. But Humana at least has a 4-star customer service rating.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Navigate towards our Part D FAQ pages if you need more info on Medicare and prescription drugs.

Medicare Special Needs Plans

If you have a chronic disease, you’ll want to take a closer look at Medicare Advantage. For diseases that are chronic and debilitating, you can qualify for a Special Needs Plan (SNP) that offers you specialized care at affordable rates.

If upfront costs are a problem, then you’ll want to plan with a low MOOP. Humana, Ascension, and Wellcare are all equal in that respect. They also have similar HMO medical networks.

UnitedHealthcare is the only plan on this list with a PPO network. This means you have more doctors and hospitals to choose from. But with more choices could come more expenses.

Anthem Healthkeepers offers a similar plan. They have a $7,550 MOOP, but an HMO medical network. The smaller medical network means you only get doctors and hospitals in the price range you need for your budget.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Anthem Healthkeepers $0 $7,550 HMO Dual
Ascension $0 $3,450 HMO Dual
Wellcare $0 $3,450 HMO Dual

FAQs

What is the downside to Medigap plans in Evansville, Indiana?

Choosing the wrong one can be expensive, and it might not offer the benefits you need. That’s why it’s important to compare quotes from local providers before you purchase a policy.

Is a Medigap plan better than an Advantage plan in Evansville, Indiana?

It really depends on your individual needs. But it’s noteworthy that most Evansville beneficiaries have chosen Original Medicare over Medicare Advantage.

Can you have a Medicare Advantage and a Medicare Supplement at the same time in Evansville, Indiana?

No. This is called duplicate coverage, and it’s illegal for insurance companies to sell you both.

How to Sign Up for Supplemental Medicare in Evansville

You can drastically lower your monthly premiums by comparison shopping with us. We have free rate quotes we can offer if you request contact with one of our Medicare experts. Give us a call at the number above or use our online rate form here.

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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.