Medigap is a nickname for the Indiana Medicare Supplement Insurance type, which helps protect beneficiaries from the gaps in their Medicare coverage.

Ten standardized plans are available right now, and the benefits are the same in every state.

They are regulated by the Centers for Medicare & Medicaid Services but sold by private insurance companies. Providers have to differentiate themselves based on price and customer service.

Indiana Medigap enrollment & coverage chart per letter plan

Over 390,000 Medicare beneficiaries have a Medigap supplement in Indiana today. Out of all retirees with Original Medicare in the state, 41.8% have chosen to supplement with Medigap.

  2,848 2,211 8,650 2,358 201,604 113,457 1,243 1,053 23 43,545

What are the most common Medigap plans in Indiana?

Based on the available data, Plan F is the most popular by a mile. But it’s the most comprehensive, so that explains why. Unsurprisingly, it can also be the most expensive plan for monthly premiums.

That’s why close alternatives like Plan G exist. It offers fewer benefits, but the two plans are very similar. Paying smaller monthly premiums could gain what you lose in benefits over time.

The third most popular plan in Indiana is Plan N. It’s very comprehensive, similar to Plans F and G. But there are co-pays for beneficiaries with Plan N, which is why it’s a slightly less popular plan.

medicare supplement enrollees per plan in indiana

Medigap plan coverage chart for Indiana

Unless you live in Wisconsin, Minnesota, or Massachusetts, you will have ten different standardized Medigap plans. You can only choose one or none, and take your chances. But you can save much money on your healthcare costs by enrolling early and sticking with a reputable provider.

Medicare Supplement plans costs in Indiana

Your Medigap provider chooses your monthly rate based on certain risk factors. Things like your age, where you live, and tobacco usage all help calculate how much it costs to insure you. And they adjust your monthly premium based on that calculation.

medicare supplement costs in indiana

How much does Medigap cost in Indiana?

Medicare Supplement plan premiums can vary in Indiana. Factors affecting the cost include age, location, and your chosen plan. The average premium for Medigap plans in Indiana range between $70 and $145 a month.

Lowest premium per Medigap letter plan in Indiana

Below are some rough estimates of monthly premiums for Medigap plans in Indiana. Remember, these are based on a 65-year-old female and may not apply to beneficiaries of a different gender or age.

Premium $81 $94 $107 $101 $106 $94 $48 $60 $69 $71

Highest premium per Medigap letter plan in Indiana

Conversely, here’s what you could be paying for a 70-year-old male. Notice how the cost can get more expensive based on age and gender.

Premium $376 $308 $390 $237 $391 $341 $134 $224 $257 $328

Top Medicare Supplement plan carriers in Indiana

Here’s a quick breakdown of Medigap plans by the provider based on a female beneficiary who is 65 years old. Slbi has the lowest monthly premium for their plans.

Assured Life is the most expensive for beneficiaries who want Plans F and G. New Era and Medico are the most costly providers for those who want Plan N.

Slbi $106 $97 $71
Assured Life $145 $104 $75
Federal Life $124 $101 $76
New Era $127 $99 $77
Medico $121 $100 $77

Indiana cities with estimated premiums for Medicare supplemental coverage

Below, there are charts with the estimated premiums for Medicare Supplement coverage for the following cities:


How much does Medigap cost in Indiana?

Medicare Supplement plan premiums can vary in Indiana. Factors affecting the cost include age, location, and your chosen plan. The average premium for Medigap plans in Indiana range between $70 and $145 a month.

What is the downside to Medigap plans in Indiana?

If you shop around and compare rates first, there’s almost no downside to looking at a Medigap Plan in Indiana. But you do have to make sure you enroll at the right time to get guaranteed issue rights. These rights protect you from being overcharged or rejected for coverage based on pre-existing conditions.

Why is Medigap so expensive in Indiana?

Medigap companies are private companies working to earn a profit, and healthcare is generally expensive. These factors can make some Medigap plans seem costly.

But like we said before, comparison shopping is the best way to get a lower rate. You might also consider high-deductible versions of popular plans like Plan F or Plan G as a less expensive alternative.

Does Medigap in Indiana have an out-of-pocket maximum?

Two Medigap plans come with an out-of-pocket maximum spending limit, Plans K and L. But those plans also have some of the highest cost-sharing rules for beneficiaries. Imposing an OOP maximum helps balance everything out.

Are there deductibles with Medigap in Indiana?

You can purchase two high-deductible plans in Indiana: high-deductible Plan F and high-deductible Plan G. You get all the comprehensive benefits of these original plans but much lower monthly premiums. In exchange for saving money on your premiums, you agree to pay higher out-of-pocket costs to make it fair for everyone.

How to sign up for a Medigap plan in Indiana

If you want to sign up for the right Medigap plan in Indiana, you should compare it with our licensed Medicare experts. Our agents have years of expertise in the field and can get you paired with the right one from local providers.

Our licensed insurance agents provide this service for free, so there’s no reason not to allow them to assist you in this important decision.

Give us a call today. Or simply fill in our quick online rate form fields to get rates in your area today!

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.