Indiana Medigap plans (also called Medicare Supplement plans) cover the gaps in Original Medicare, including deductibles, copays, and coinsurance that would otherwise come out of your pocket. This comprehensive Indiana Medigap guide covers available plans, average premiums, top carriers, the birthday rule, guaranteed issue rights, and how to choose between Plan G, Plan N, and other options. Whether you are approaching your initial Medigap Open Enrollment or considering a plan switch, understanding Indiana Medigap rules helps you make a confident decision.
All information verified against CMS data and state sources as of April 2026.
In This Indiana Medigap Guide:
Medigap Plans Available in Indiana
Standardized plans: A, B, C, D, F, G, K, L, M, N
Every Medigap plan with the same letter provides identical benefits regardless of which carrier sells it. Plan G from one company covers the exact same medical costs as Plan G from another company. The only difference is the premium and the customer service experience. This standardization makes comparison shopping straightforward.
Plan F: Still available in Indiana for beneficiaries who became eligible for Medicare before January 1, 2020. Plan F covers all gaps including the Part B deductible. New enrollees after 2020 cannot purchase Plan F.
High-Deductible Plan G: Available in Indiana. You pay a higher annual deductible before benefits kick in, but monthly premiums are significantly lower than standard Plan G.
Indiana Medigap Rates: Plan G & Plan N
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $155/mo | $185/mo | $215/mo |
| Plan N | $115/mo | $140/mo | Varies |
These are approximate averages. Your actual premium depends on your carrier, zip code, age, gender, and tobacco use. Always compare quotes from at least three carriers before choosing.
How Indiana Medigap Pricing Works
Indiana uses community-rated Medigap pricing, the most consumer-friendly method. Everyone pays the same premium regardless of age. Your rate will not increase simply because you get older, though carriers may still raise premiums due to inflation or rising healthcare costs.
Household discount: Many Medigap carriers in Indiana offer 5-12% household or spousal discounts when two people in the same household both have Medigap policies.
Tobacco surcharge: Tobacco users in Indiana typically pay approximately 10-25 more in Medigap premiums.
Plan G vs Plan N in Indiana
Plan G and Plan N are the two most popular Medigap plans in Indiana. Here is how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | Not covered (you pay $240/year in 2026) | Not covered |
| Part B Copay | Covered (no copays) | Up to $20 copay for office visits, up to $50 for ER visits not resulting in admission |
| Part B Excess Charges | Covered | Not covered |
| Monthly Premium | Higher | Lower (typically 15-25% less than Plan G) |
| Best For | Predictable costs, no copays | Lower premiums, okay with small copays |
Bottom line: If you want the most comprehensive coverage with no copays at the doctor, choose Plan G. If you prefer lower monthly premiums and do not mind occasional $20 copays, Plan N offers strong coverage at a lower cost.
Top Medigap Carriers in Indiana
Top Medigap carriers in Indiana:
- AARP/UnitedHealthcare
- Mutual of Omaha
- Anthem Blue Cross Blue Shield
- MedMutual Protect
- Farm Bureau Insurance
MedMutual Protect typically offers among the lowest Plan G premiums in Indiana. However, the cheapest carrier varies by zip code and age bracket.
When comparing Medigap carriers, the benefits are identical for the same plan letter. Focus on premium cost, AM Best financial strength rating (A or higher is strong), customer service reputation, and rate increase history.
Rate increase trend: Indiana Medigap carriers have historically had below average rate increases compared to the national average.
Indiana Medigap Switching Rights
Indiana birthday rule: Effective January 1 2026 Indiana residents age 65 or older with an existing Medigap policy may switch to the same letter plan with a different carrier within 60 days of their birthday without medical underwriting. Coverage must begin the first of the month at least 30 days after signing. Carriers must process applications as guaranteed issue and cannot deny coverage or charge more based on health status. This annual switching window allows you to change Medigap plans without medical underwriting, potentially finding lower premiums.
Guaranteed Issue Rights in Indiana
Federal law provides guaranteed issue rights in specific situations where you can buy a Medigap plan without medical underwriting:
- Losing employer/union coverage
- Your Medicare Advantage plan leaves your area
- You joined an MA plan when first eligible and want to switch back within 12 months (trial right)
- Your Medigap carrier goes bankrupt
Indiana-specific guaranteed issue protections: Standard federal guaranteed issue rights, birthday rule annual switching (same letter plan within 60 days of birthday), guaranteed issue for under-65 Medicare beneficiaries into any Medigap plan (effective January 1 2025 under SEA 215)
Additional Indiana Medigap rules: Birthday rule effective January 1 2026 allows annual Medigap switching within 60 days of birthday for same letter plan without underwriting. Under SEA 215 effective January 1 2025 all carriers selling Medigap to those 65+ must also sell to under-65 Medicare beneficiaries with guaranteed issue. Plans A B and D must be priced the same as for a 65-year-old while other plans like Plan G can be priced up to 200 percent of the age-65 premium. Indiana SHIP program provides free Medicare counseling at 800-452-4800.
Common Medigap Mistakes in Indiana
- Missing your OEP: Your 6-month Medigap Open Enrollment Period is your best window. After it closes, carriers can deny you or charge higher premiums based on health.
- Choosing by carrier name alone: Medigap plans are standardized. A well-known brand’s Plan G costs more but covers the exact same benefits as a smaller carrier’s Plan G.
- Ignoring rate increase history: Some carriers offer low introductory rates then raise premiums aggressively. Ask for 5-year rate increase history before buying.
- Not comparing at least 3 carriers: Premium differences of 30-50% between carriers for the same plan letter are common.
- Confusing Medigap with Medicare Advantage: They are different products. You cannot have both simultaneously (except during limited trial rights).
Compare Indiana Medigap Rates
Ready to compare Medigap plans in Indiana? Use the official Medicare Plan Finder or contact your local SHIP counselor.
Official Sources & Resources
- Medicare.gov: medicare.gov
- Indiana Department of Insurance: https://www.in.gov/idoi/
- NAIC Medigap Shopping Guide: naic.org
- CMS Medicare & You Handbook: Medicare & You (PDF)
Last verified April 2026. Contact us if you notice outdated information.