There are currently 964,000 Indiana residents who have a Medicare Part D prescription drug plan alongside their Medicare. Nearly 634,000 of them supplement their Original Medicare with Medicare Part D. Another 338,000 beneficiaries combine a prescription drug plan with their Medicare Advantage plan instead.

Indiana Medicare Part D Plans for 2022

Medicare Part D is the fourth pillar of Medicare in Indiana. It focuses exclusively on prescription drugs. Once you enroll in a plan, you pay a monthly premium and an annual deductible in exchange for prescription drug discounts.

The Part D plan you choose will come with a formulary that tells you which drugs the plan covers and what your personal costs will be.

Part D Plans with the Lowest Premium in Indiana

The chart below might look like a list of the least to most expensive Medicare Part D plans in Indiana, but don’t be fooled. Just because Unitedhealthcare has the highest monthly premium doesn’t mean it’s the most expensive option.

If you calculate the costs of paying monthly premiums for a year plus paying your deductible, Clear Spring and Humana end up being more expensive. But Humana also has a 4-star customer rating.

Aetna Has the lowest monthly premium and an average deductible. It also has a 3-star customer rating. Just be sure to check their formulary and make sure they provide the drugs you need.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.80 $480 3 No
Wellcare $12.90 $480 3 No
Clear Spring $22.20 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 No

Part D Plans with a Zero-Dollar Deductible in Indiana

If you don’t like paying deductibles, there are providers who won’t make you. But is it worth it? Below, the zero deductible Aetna plan is the only one that is cost-competitive with the plans from the previous selection.

Once you start looking at more expensive Medicare Part D plans in Indiana like Wellcare, you’re better off paying a deductible. High premium plans with no gap coverage can be costly.

Anthem provides gap coverage, has a 4-star customer service rating, and comes with a nice, affordable $69 premium. UnitedHealthcare, conversely, costs 34% more and has a less favorable rating.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $58.80 $0 3 Yes
Wellcare $68.70 $0 3 No
Anthem $69.00 $0 4 Yes
UnitedHealthcare $92.50 $0 3 Yes

Part D Plans with Gap Coverage in Indiana

If you need a lot of prescription drugs, gap coverage is important. Without it, your Medicare Part D plan in Indiana could become prohibitively expensive. For that reason, purchasing Unitedhealthcare’s deductible plan can keep costs down.

But if you’d rather pay a $0 deductible, Anthem is the only one with a 4-star customer service rating. These ratings are important because they show how happy most beneficiaries are with their plans.

Aetna is probably the cheapest plan on this list which provides gap coverage and a $0 deductible. And it has a nice 3-star customer service rating, too.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $29.30 $310 4 Yes
Cigna $58.10 $100 3 Yes
Aetna $58.80 $0 3 Yes
Anthem $69.00 $0 4 Yes
UnitedHealthcare $92.50 $0 3 Yes

Part D Plans with a Low-Income Subsidy in Indiana

There are over 280,000 Medicare beneficiaries in Indiana who qualify for a low-income subsidy plan. The monthly premiums are subsidized and they all have the same deductible. This means plans like UnitedHealthcare stand out for having a four-star customer service rating.

Clear Spring also stands out, but for the opposite reason. It only has a 2-star rating. This could be a sign that they have a limited formulary, poor customer service, or both.

Wellcare, Aetna, and Cigna are all middle-of-the-road in customer service. So choosing them over other available plans might boil down to specific formularies or perhaps your doctor’s recommendation.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $0 $480 3 No
Clear Spring $0 $480 2 No
Aetna $0 $480 3 No
Cigna $0 $480 3 No
UnitedHealthcare $0 $480 4 No

Amount of Beneficiaries that Fall into each Part D Coverage Phase in Indiana

There are four unique coverage phases in each Indiana Medicare Part D plan. The deductible phase is when you are paying full price for your drugs until you meet your deductible.

Next is the initial coverage phase when your drugs will be the cheapest. The third phase is the coverage gap phase, also known as the donut hole. Once you hit a maximum spending limit, you’ll be in catastrophic coverage for the rest of the year.

As you can see in the chart below, most prescription drug beneficiaries are in and stay in the initial coverage phase. It’s difficult to get into those later stages, and you’ll end up back in the deductible phase at the beginning of the next calendar year.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
237,775 389,271 114,840 93,419

Cities in Indiana with Medicare Supplement Coverage Estimated Premiums

Charts exist for some of Indiana’s biggest cities with the estimated premiums for Medicare Supplement coverage:

FAQs

Do you need Medicare Part D if you don’t take drugs in Indiana?

Medicare Part D is never mandatory. But it can be essential for saving money if your doctor puts you on prescription drugs.

What happens if I don’t want Medicare Part D in Indiana?

You can wait to enroll. But you will end up paying a late enrollment penalty for not having qualifying coverage. That penalty goes up the longer you go without coverage.

Can you use GoodRx with Medicare Part D in Indiana?

No. You can only use GoodRx to get a discount on drugs you pay for out-of-pocket.

How to Get Help Signing Up for a Medicare Part D Plan in Indiana

Getting your prescription drugs covered is not guaranteed under Original Medicare. So having a Medicare Part D prescription drug plan in Indiana can help keep expense medication costs to a minimum.

Our licensed insurance agents can help you run through all your options and determine the best plan for your needs.

Give us a call today. Or simply and quickly fill out our online rate form to be connected with the best rates in your area!

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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.