More than half a million (517,956) Medicare beneficiaries in Indianapolis, Indiana, are figuring out their Medicare needs. If you’re one of them and need help, you’re in the right place.
Medicare Plans in Indianapolis, Indiana
The data below will primarily reflect the average cost for a 71-year-old female. Purchasing the right Medicare Supplement coverage in Indiana is the best way to keep your medical costs low. And if you’re the 64% of Indianapolis Medicare beneficiaries who don’t have a supplement yet, we suggest you keep reading.
Medicare Advantage plans
One choice you could make is an Indiana Medicare Advantage plan, and there are 43 plans available in Marion County right now. But only 36% of Medicare beneficiaries currently have one of these plans.
The cheapest available plan is Anthem Healthkeepers. They cap your out-of-pocket maximum at $3,900 but also have the lowest customer service rating.
As far as costs go, Humana is tied with a similar MOOP. But they have a four-star customer service rating. They also have an HMO medical network.
Aetna is the least affordable on the surface, with a MOOP of $5,950. But they do have good customer service and a more comprehensive PPO medical network.
The average cost of Medicare Advantage plans in Indianapolis, Indiana
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Anthem Healthkeepers | $0 | $3,900 | HMO | 3 |
| Indiana University | $0 | $5,000 | HMO | 4 |
| Anthem BCBS | $0 | $4,900 | LOCAL PPO | N/A |
| Humana | $0 | $3,900 | HMO | 4 |
| Aetna | $0 | $5,950 | LOCAL PPO | 4 |
Please check out our Medicare Advantage FAQ pages to learn more about how a Medicare Advantage plan could help you lower costs.
Medicare Supplement plans
“Medigap” is the nickname for Medicare Supplement plans. These standardized plans are specifically tailored to cover the most expensive gaps in Original Medicare coverage in Indiana. Each of these plans is designated with a letter so that you know what benefits you’re getting.
The more benefits you purchase, your monthly premiums will be more expensive. That’s why plans like Plan C are so expensive for beneficiaries in Indianapolis. But there are less costly alternatives.
High-deductible plans like Plan HDF offer low monthly premiums and comprehensive coverage. But you will have to pay more out-of-pocket to meet the higher deductible. Once you complete it, your insurance company will cover more costs.
Plan N is also a popular choice for the average beneficiary. You get comprehensive coverage for a moderate monthly premium. And your monthly payments cost less because you pay a little more in copays.
The average cost of Medicare Supplement plans in Indianapolis, Indiana
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $81.26 | $153.37 |
| PLAN B | $94.00 | $180.00 |
| PLAN C | $107.00 | $203.24 |
| PLAN D | $101.00 | $188.00 |
| PLAN F | $113.06 | $307.26 |
| PLAN HDF | $29.00 | $61.94 |
| PLAN G | $99.23 | $185.00 |
| PLAN HDG | $29.00 | $61.33 |
| PLAN K | $53.51 | $134.50 |
| PLAN L | $73.00 | $199.44 |
| PLAN M | $77.57 | $115.71 |
| PLAN N | $77.60 | $180.28 |
We’ve got lots of extra information on our Medigap FAQ pages if you want to learn more about how they work.
Medicare Part D prescription drug plans
Medicare Advantage and Medicare Part D plans are the only plans covering prescription drugs in Indiana. Original Medicare does not, nor do any of the Medigap plans.
So if you want to get the cheapest drugs at the most affordable prices, start with Aetna. The monthly premium plus annual deductible is less than $562 per year. Afterward, you get your drugs for pennies on the dollar until you hit the donut hole.
The next cheapest plan would be Wellcare. Your upfront annual costs are around $635. Then once you hit your deductible, you get lower drug prices.
Don’t assume UnitedHealthcare is the least cheap plan because of the high premium. The lower deductible makes it more affordable than Clear Spring or Humana.
The average cost of Medicare Part D plans in Indianapolis, Indiana
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.80 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring | $22.20 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
We encourage you to visit our Part D FAQ pages to learn more about everything related to your prescription drug needs.
Special Needs plans
Some beneficiaries suffer from chronic illness, which requires specialized health plans. Those plans are called Special Needs Plans (SNPs). Most beneficiaries can only get an SNP through Medicare Advantage in Indiana if their condition is chronic and disabling.
The exception to this is Aetna. You can get an SNP if your disease is either chronic or disabling. It doesn’t have to be both.
All the medical plans in the table below are HMOs, including the one from Humana with the lowest out-of-pocket costs. HMOs are smaller medical networks, but the doctors and hospitals included in that network are usually much less costly.
Zing Health is the next most affordable plan, combining a $0 monthly premium with a maximum out-of-pocket cost of $4,500. But you will have to meet dual eligibility requirements.
The average cost of Medicare Special Needs plans in Indianapolis, Indiana
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Mdwise | $0 | $7,550 | HMO | Dual |
| Caresource | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Zing Health | $0 | $4,500 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Chronic or Disabling |
How to sign up for Medicare plans in Indianapolis
If you want to start comparison shopping today, contact us! We will give you fast, free, fair quotes from providers in Indianapolis near you. Our knowledgeable Medicare experts are standing by.
You can call us at the number above or use our online rate form here.
