Best Medicare Supplement Plans in Indiana
There are ten Medicare Supplement plan options available in Indiana. These plans can help fill the gaps in your medical coverage and cover costs including copayments, coinsurances, and deductibles.
- Of the ten plans offered in 2024, we've found that Mutual of Omaha has the best price for Medicare Supplement Plan G at $105 monthly for the most comprehensive coverage.
- Mutual of Omaha also offers the best price for Medicare Supplement Plan N at $78 monthly, for those that want the best value without compromising coverage.
- The best low cost option is High Deductible Plan G from Mutual of Omaha at $38 monthly. A deductible of $2,700 needs to be met before this plan will cover costs.
Below is a brief overview of the most popular plans combined with the company that provides the best rate.
Mutual Of Omaha Medicare Supplement Plan G
- Mutual of Omaha's Plan G stands out as one of the most comprehensive plans offered to beneficiaries in Indiana. Coverage is vast and provides protection from many out-of-pocket expenses, aside from Medicare Part B's deductible.
Opting for Plan G offers you several noteworthy benefits:
- Coverage for Part B excess charges, the Medicare Part A deductible and all of your Part B coinsurance.
- No referrals are required.
- Freedom to visit any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $105
*Prices based off a 65 year old non smoking female in zip code 46001 Indiana.
Mutual of Omaha Medicare Supplement Plan N
- If you're looking to save money, Mutual of Omaha Medicare Plan N is an optimal choice - offering lower premiums than the other two plans (F and G).
With Plan N, you'll gain access to an array of benefits such as:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out Of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $78
*Prices based off a 65 year old non smoking female in zip code 46001 Indiana.
Mutual Of Omaha High Deductible Medigap Plan G
- With Mutual Of Omaha High-Deductible Plan G, you'll pay an initial deductible of $2,700 before coverage kicks in, then you will have all the same benefits associated with standard Plan G will apply.
- This a more economical option than traditional Medicare Supplement Plan G.
This plan is ideal for people who plan on visiting the doctor less and want to save money on their monthly premiums for their health plan.
Monthly Plan Cost: $38
*Prices based off a 65 year old non smoking female in zip code 46001 Indiana.
Mutual Of Omaha Medicare Supplement Plan F
- Indiana residents enrolled in Original Medicare prior to 2020 now have access to the perfect plan for maximizing their coverage and minimizing expenses - Mutual Of Omaha's Plan F. This plan covers coinsurances, Part A deductibles, and even the Part B deductible.
Monthly Plan Cost: $136
*Prices based off a 65 year old non smoking female in zip code 46001 Indiana.
What's the Best Medicare Supplement Company in Indiana?
Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in Indiana.
While Mutual of Omaha Medigap plans tend to be more affordable in Indiana, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in Indiana, including sample premiums, ratings, and market share:
Cigna
Market share: 7.11%
Plan G cost: $125
Plan N cost: $89
Financial strength: A
Mutual of Omaha
Market share: 16.17%
Plan G cost: $105
Plan N cost: $78
Financial strength: A+
Aetna
Market share: 9.80%
Plan G cost: $126
Plan N cost: $121
Financial strength: A
United Healthcare
Market share: 23.42%
Plan G cost: $108
Plan N cost: $87
Financial strength: A
How Much Does a Medigap Plan Cost in Indiana?
The best price for Medicare Supplement Plan G in Indiana is $105 per month with Mutual Of Omaha.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$136
$105
$78
$38
$85
$55
Plan Popularity in Indiana
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Indiana for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
You can purchase Medicare supplement insurance during your Open Enrollment Period. Open Enrollment begins the month you have Medicare Part B, are 65 or older, and lasts for six months. After this period ends, you may not be able to purchase a Medicare Supplement plan. Insurance companies can deny Medicare Supplement insurance after the open enrollment period due to your health conditions and medical history. This is not applicable if you have guaranteed issue rights, which can be applied in situations such as losing coverage or having a plan that no more extends services in your area. These unique situations are called Special Enrollment Periods, and if you are eligible for one, insurance companies cannot charge you more for applying outside of the Open Enrollment Period.
If You Are 65 or Older
Enrollment is available when you enroll in Medicare Part B. Enroll as soon as possible to avoid a late enrollment penalty. If you are about to turn 65, most insurance companies will allow you to apply up to 90 days before turning 65. However, it's important to note that the effective date of your policy will coincide with the start date of Medicare Part B. Typically, this is the first day of the month when you turn 65. During the Open Enrollment Period, insurance companies cannot deny you insurance or charge you more because of health conditions.
If You Are Under 65
You may not be able to purchase a Medicare Supplement insurance policy under age 65. Often, federal laws do not require companies to sell you a policy until you turn 65. However, several states are required to sell Medigap to those under 65 with a disability or end-stage renal disease (ESRD).
If You Have Group Health Coverage Through an Employer or Union
Seniors with group health coverage should wait to apply for a Medigap policy. Waiting will allow you time until your employer coverage ends before starting your open enrollment period.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Plans range from $38-$134 per month. Plans may include co-payments and deductibles. The cost of a Medicare Supplement plan in Indiana varies depending on the type of plan you choose.
Aetna and Mutual of Omaha are highly-rated companies offering Medigap plans in Indiana. Aetna has been providing coverage since 1853, making them one of the country's oldest and most established providers.
You can enroll in Medigap during the six-month period that begins on the first day of the month you turn 65 or older and are enrolled in Medicare Part B. It's important to note that this enrollment period is only available to those eligible for Medicare Part B coverage, and some states may have additional enrollment periods.
While it is possible to purchase, change, or cancel plans at any time, doing so outside of an enrollment period may have different consequences. Without guaranteed issue rights, the insurance carrier can ask health questions that could result in them declining your application or even raising the premium.
Insurance companies cannot deny coverage as long as you enroll during an open enrollment period or if you have guaranteed issue rights. Applying outside of this can result in being denied or charged more.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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