Medicare Supplement Insurance (Medigap) helps Indiana seniors and eligible disabled residents cover out-of-pocket costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Indiana residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Indiana
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 180,920 |
| 2 | F | 149,505 |
| 3 | N | 36,414 |
Did you know? Indiana is one of the fastest-growing states for Plan G, with enrollment surpassing Plan F by more than 30,000 members. This reflects a national trend as new Medicare beneficiaries shift away from first-dollar coverage options.
How Medigap Pricing Works in Indiana
Medigap premiums vary depending on how insurers structure their pricing. In Indiana, policies may be offered under one of three models:
- Attained-age rated – Premiums increase as you get older.
- Issue-age rated – Premiums are based on your age when you first purchase the policy and rise with inflation, not age.
- Community rated – All policyholders pay the same premium regardless of age.
Under-65 Eligibility in Indiana
Indiana requires insurers to provide at least one Medigap plan option to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). While not all plan types may be available, this rule ensures that younger beneficiaries are not completely excluded from Medigap coverage.
Choosing a Medigap Plan in Indiana
With Plan G leading enrollment and Plan N gaining traction as a cost-saving choice, Indiana residents have strong options for balancing premiums and benefits. Every Medigap policy works nationwide at any provider that accepts Medicare, ensuring consistent protection whether you receive care in Indianapolis, Fort Wayne, or while traveling out of state.
To explore current premiums and compare plans side by side, visit our Medigap rate comparison page.