There are more than half a million (517,956) Medicare beneficiaries in Indianapolis Indiana who are figuring out their Medicare needs. If you’re one of them, and you need help, you’re in the right place.

Supplemental Medicare Plans in Indianapolis, Indiana

The data below will mostly reflect the average cost for a 71-year-old female. Purchasing the right Medicare supplement coverage in Indiana is the best way to keep your medical costs low. And if you’re in the 64% of Indianapolis Medicare beneficiaries who don’t have a supplement yet, we suggest you keep reading.

Affordable Medicare Advantage Plans in Indianapolis, Indiana

One choice you could make is an Indiana Medicare Advantage plan, and there are 43 plans available in Marion County right now. But only 36% of Medicare beneficiaries currently have one of these plans.

The cheapest available plan is Anthem Healthkeepers. They cap your out-of-pocket maximum at $3,900. But they also have the lowest customer service rating.

As far as costs go, Humana is tied with a similar MOOP. But they have a four-star customer service rating. They also have an HMO medical network.

Aetna is the least affordable on the surface. Their MOOP is $5,950. But they do have good customer service and a wider PPO medical network.

PLAN PREMIUM MOOP Plan Type Star Rating
Anthem Healthkeepers $0 $3,900 HMO 3
Indiana University $0 $5,000 HMO 4
Anthem BCBS $0 $4,900 LOCAL PPO N/A
Humana $0 $3,900 HMO 4
Aetna $0 $5,950 LOCAL PPO 4

Please check out our Medicare Advantage FAQ pages to learn more about how a Medicare Advantage plan could help you lower costs.

Average Medicare Supplement Plans in Indianapolis, Indiana

“Medigap” is the nickname for Medicare supplement plans. These are standardized plans which are specifically tailored to cover the most expensive gaps in Original Medicare coverage in Indiana. Each of these plans is designated with a letter so that you know what benefits you’re getting.

On average, the more benefits you purchase, the more expensive your monthly premiums will be. That’s why plans like Plan C are so expensive for beneficiaries in Indianapolis. But there are less costly alternatives.

High-deductible plans like Plan HDF offer low monthly premiums and comprehensive coverage. But you will have to pay more out-of-pocket at first to meet the higher deductible. Once you meet it, your insurance company will take care of more of the costs.

Plan N is also a popular choice for the average beneficiary. You get comprehensive coverage for a moderate monthly premium. And your monthly payments cost less because you pay a little more in co-pays.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $81.26 $153.37
PLAN B $94.00 $180.00
PLAN C $107.00 $203.24
PLAN D $101.00 $188.00
PLAN F $113.06 $307.26
PLAN HDF $29.00 $61.94
PLAN G $99.23 $185.00
PLAN HDG $29.00 $61.33
PLAN K $53.51 $134.50
PLAN L $73.00 $199.44
PLAN M $77.57 $115.71
PLAN N $77.60 $180.28

We’ve got lots of extra information on our Medigap FAQ pages if you’d like to keep learning more about how they work.

Cheapest Medicare Part D in Indianapolis, Indiana

Medicare Advantage plans and Medicare Part D plans are the only plans which cover prescription drugs in Indiana. Original Medicare does not, nor do any of the Medigap plans.

So if you want to get the cheapest drugs at the cheapest prices, start with Aetna. The monthly premium plus annual deductible is less than $562 per year. After that, you get your drugs for pennies on the dollar until you hit the donut hole.

The next cheapest plan would be Wellcare. Your upfront annual costs are around $635. Then once you hit your deductible, you get lower drug prices.

Don’t assume Unitedhealthcare is the least cheap plan just because of the high premium. The lower deductible makes it more affordable than Clear Spring or Humana.

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

We encourage you to visit our Part D FAQ pages to learn more about everything related to your prescription drug needs.

Medicare Special Needs Plans

Some beneficiaries suffer from chronic illness which requires specialized health plans. Those plans are called Special Needs Plans (SNPs). Most beneficiaries can only get an SNP through Medicare Advantage in Indiana if their particular condition is both chronic and disabling.

The exception to this is Aetna. You can get an SNP if you are disease is either chronic or disabling. It doesn’t have to be both.

All of the medical plans in the table below are HMOs, including the one from Humana with the lowest out-of-pocket costs. HMOs are smaller medical networks, but the doctors and hospitals included in that network are usually much less costly.

Zing Health is the next most affordable plan. It combines a $0 monthly premium with a maximum out-of-pocket cost of $4,500. But you will have to meet dual eligibility requirements.

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

FAQs

What are the top 3 Medicare supplement plans in Indianapolis, Indiana?

As far as popularity goes, the top 3 plans are Plan C, Plan F, and Plan G.

Which Medicare Supplement plan has the highest level of coverage in Indianapolis, Indiana?

Plan F is the most comprehensive, but may not be available to beneficiaries who only recently became eligible for Medicare enrollment.

Are Medigap plans and Part D plans sold together in Indianapolis, Indiana?

No. They are each sold separately by private insurance companies and you will have to apply for coverage in order to enroll.

How to Sign Up for Supplemental Medicare in Indianapolis

If you want to start comparison shopping today, contact us! We will give you fast, free, fair quotes from providers in Indianapolis near you. Our knowledgeable Medicare experts are standing by. You can 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.