There are more than 166,000 Medicare beneficiaries in Fort Wayne, Indiana. But what sort of Medicare Supplement Plan are they on? And is the coverage enough to protect them from surprise out-of-pocket costs?

Fort Wayne, Indiana Supplemental Medicare Plans

The average Fort Wayne, Indiana Medicare beneficiary is 71 years of age and most likely female. These residents must choose between supplementing Original Medicare with a Medicare Supplement Plan or switching to Medicare Advantage. But which one is better?

Average Medicare Advantage Plans in Fort Wayne, Indiana

Allen County has 37 different Indiana Medicare Advantage plans available for sale. More than 52% of current Fort Wayne Medicare beneficiaries have an opportunity to switch to one of these plans in the near future.

Many Medicare Advantage plans in Fort Wayne, Indiana start with a $0 monthly premium, even the all-in-one plans which cover things like prescription drugs, hearing, and dental. The things that set them apart are out-of-pocket maximums, medical networks, and customer service. Aetna has a good mix of all three.

If minimizing costs is most important, look at a plan from Indiana University. The $3,350 MOOP is quite low. And HMO networks, although more restricted, usually cost less.

Anthem BCBS looks like a “Cadillac plan”. It has the highest out-of-pocket maximum and it has a PPO network, which gives you more choice. But we aren’t sure what their customer service rating is, which may be a cause for concern.

PLAN PREMIUM MOOP Plan Type Star Rating
Anthem BCBS $0 $6,700 LOCAL PPO N/A
UnitedHealthcare $0 $4,500 HMOPOS 4
Indiana University $0 $3,350 HMO 4
Humana $0 $4,900 LOCAL PPO 4
Aetna $0 $5,500 LOCAL PPO 4

Don’t forget that we have Medicare Advantage FAQ pages that go into much deeper detail.

Cheapest Medicare Supplement Plans in Fort Wayne, Indiana

If you want to stick with Original Medicare, then Medigap is a better plan. It’s a small, private insurance plan which covers all of your Medicare coverage gaps for one monthly premium. And coverage is standardized across all 50 states.

This means that whether you’re in Indiana or Louisiana, Plan A gives you the same benefits no matter what. It’s a moderately priced plan with a decent amount of coverage. Unfortunately, it doesn’t cover things like skilled nursing facilities, Medicare deductibles, or Part B excess charges, to name a few.

High-deductible plans – such as Plan HDG or Plan HDF – are in demand because of very low monthly premiums. But they are also popular because of how much coverage they provide. They cover nearly every gap, but require a high deductible to be met first.

You could skip the high deductible and just purchase Plan G outright. But in some parts of the state, the monthly premium is nearly $350. If you are younger and don’t need much care, it could be a very expensive plan.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $89.45 $383.73
PLAN B $128.17 $308.12
PLAN C $131.66 $390.25
PLAN D $117.08 $265.90
PLAN F $115.56 $391.37
PLAN HDF $38.45 $64.85
PLAN G $97.78 $341.10
PLAN HDG $38.33 $64.74
PLAN K $51.17 $134.50
PLAN L $64.42 $223.65
PLAN M $78.34 $266.27
PLAN N $78.41 $328.77

As always, our Medigap FAQ pages have tons of info on this sometimes confusing topic.

Affordable Medicare Part D in Fort Wayne, Indiana

Original Medicare and Medigap don’t cover prescription drugs in Indiana. To get your prescriptions at a discount, you need either Medicare Advantage or a Part D prescription drug plan. Beneficiaries who stick with Original Medicare are the ones who will need Plan D the most.

The least affordable plan below appears to be Humana. You’ll have to pay over $750 in premiums and deductibles in a year before you get your discounted drugs. But you may qualify for financial aid with the Medicare Extra Help Program.

The most affordable plan is from Aetna. Despite the high deductible, the low monthly premium means that the plan costs a little over $560 per year before you get your discounted drugs. And they have decent customer service ratings, too.

Wellcare’s The next most affordable. The customer service is about the same, but the monthly premium is doubled. There may be something in the explanation of benefits that explains the change in price.

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

Got more questions? Our Part D FAQ pages have answers.

Medicare Special Needs Plans

Chronic illness is another reason to give Medicare Advantage a second look. It’s the only part of Medicare that offers comprehensive coverage for chronic disease.

Most of the plans below require dual eligibility. This means your disease must be chronic and disabling in order to qualify. The exception is Zing Health, and it’s a relatively affordable plan.

Wellcare and Humana are more affordable still. They come with the lowest maximum out-of-pocket costs. They also come with tightly-controlled HMO medical networks.

UnitedHealthcare and Caresource have identical MOOPs. But the former is a PPO, and the latter is an HMO network. The more narrow your medical network, the less expensive your care; but the quality of care could suffer due to lack of choice.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Zing Health $0 $4,500 HMO Chronic or Disabling
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Caresource $0 $7,550 HMO Dual
Humana $0 $3,450 HMO Dual

FAQs

What is the difference between Medigap Plan D and G in Fort Wayne, Indiana?

The main difference is that Plan D does not protect you from Part B excess charges the way Plan G does.

Why is Medigap so expensive in Fort Wayne, Indiana?

It’s only expensive if you choose a low-deductible, highly comprehensive plan. Purchasing less coverage or choosing a higher deductible helps lower your monthly premium.

Are Medigap premiums based on income in Fort Wayne, Indiana?

No. They are based on factors like your age, your health status, the cost of care in your area, and the amount of profit your provider wants to earn.

How to Sign Up for Supplemental Medicare in Fort Wayne

Just contact us, that’s how! We can show you how easy it is to get free rate quotes in your zip code. Fill out our rate form and one of our Medicare experts will get back to you right away.

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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.