How do you find the best Indiana Medicare Supplement plans? We’ll show you. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Indiana Medigap plans.
best medicare supplement plans in Indiana
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Cigna, Transamerica or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans for Indiana
How much will you pay for your Indiana Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Indiana residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same plan benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Indiana Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Indiana Medicare Supplement Insurance Coverage.
Compare Indiana Medicare Supplements
It is important to know that even though the coverage for Indiana Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Indiana Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
How can we help you?
Our service is free. We help Indiana Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Indiana Medigap coverage.
Be an informed buyer and comparison shop your Indiana Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Indiana Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Indiana that I serve. Click here if you’re looking for other Medicare Supplement states.
Advance Akron Alamo Albany Albion Alexandria Alfordsville Alton Altona Ambia Amboy Amo Anderson Andrews Angola Arcadia Argos Ashley Atlanta Attica Auburn Aurora Austin Avilla Avon Bainbridge Bargersville Bass Lake Batesville Battle Ground Bedford Beech Grove Berne Bethany Beverly Shores Bicknell Birdseye Bloomfield Bloomingdale Bloomington Blountsville Bluffton Boonville Borden Boston Boswell Bourbon Brazil Bremen Bright Bristol Brook Brooklyn Brooksburg Brookston Brookville Brownsburg Brownstown Bruceville Bryant Buffalo Bunker Hill Burket Burlington Burnettsville Burns Harbor Butler Cadiz Cambridge City Camden Campbellsburg Cannelburg Cannelton Carbon Carlisle Carmel Carthage Cayuga Cedar Grove Cedar Lake Center Point Centerville Chalmers Chandler Charlestown Chesterfield Chesterton Chrisney Churubusco Cicero Clarks Hill Clarksville Clay City Claypool Clayton Clear Lake Clermont Clifford Clinton Cloverdale Coatesville Colfax Collegeville Columbia City Columbus Connersville Converse Corunna Corydon Country Club Heights Covington Crandall Crane Crawfordsville Cromwell Crothersville Crown Point Crows Nest Culver Cumberland Cynthiana Dale Daleville Dana Danville Darlington Darmstadt Dayton Decatur Decker Delphi De Motte Denver Dillsboro Dublin Dugger Dune Acres Dunkirk Dunlap Dunreith Dupont Dyer Earl Park East Chicago East Germantown Eaton Economy Edgewood Edinburgh Edwardsport Elberfeld Elizabeth Elizabethtown Elkhart Ellettsville Elnora Elwood English Etna Green Evansville Fairland Fairmount Fairview Park Farmersburg Farmland Ferdinand Fillmore Fishers Flora Fort Branch Fortville Fort Wayne Fountain City Fowler Fowlerton Francesville Francisco Frankfort Franklin Frankton Fredericksburg Fremont French Lick Fulton Galena Galveston Garrett Gary Gas City Gaston Geneva Gentryville Georgetown Georgetown Glenwood Goodland Goshen Gosport Grabill Grandview Granger Greencastle Greendale Greenfield Greensboro Greensburg Greens Fork Greentown Greenville Greenwood Griffin Griffith Grissom AFB Gulivoire Park Hagerstown Hamilton Hamlet Hammond Hanover Hardinsburg Harmony Hartford City Hartsville Haubstadt Hazleton Hebron Henryville Hidden Valley Highland Highland Hillsboro Hobart Holland Holton Homecroft Hope Hudson Huntertown Huntingburg Huntington Hymera Indianapolis city (balance) Indian Heights Indian Village Ingalls Jamestown Jasonville Jasper Jeffersonville Jonesboro Jonesville Kempton Kendallville Kennard Kentland Kewanna Kingman Kingsbury Kingsford Heights Kirklin Knightstown Knightsville Knox Kokomo Koontz Lake Kouts Laconia La Crosse Ladoga Lafayette La Fontaine Lagrange Lagro Lake Dalecarlia Lakes of the Four Seasons Lake Station Lake Village Lakeville Lanesville La Paz Lapel La Porte Larwill Laurel Lawrence Lawrenceburg Leavenworth Lebanon Leesburg Leo-Cedarville Lewisville Liberty Ligonier Linden Linton Little York Livonia Lizton Logansport Long Beach Loogootee Losantville Lowell Lynn Lynnville Lyons McCordsville Mackey Macy Madison Marengo Marion Markle Markleville Marshall Martinsville Matthews Mauckport Mecca Medaryville Medora Mellott Melody Hill Memphis Mentone Meridian Hills Merom Merrillville Mexico Michiana Shores Michigan City Michigantown Middlebury Middletown Milan Milford town (Decatur County) Milford town (Kosciusko County) Millersburg Millhousen Milltown Milton Mishawaka Mitchell Modoc Monon Monroe Monroe City Monroeville Monrovia Monterey Montezuma Montgomery Monticello Montpelier Mooreland Moores Hill Mooresville Morgantown Morocco Morristown Mount Auburn Mount Ayr Mount Carmel Mount Etna Mount Summit Mount Vernon Mulberry Muncie Munster Napoleon Nappanee Nashville New Albany New Amsterdam Newberry Newburgh New Carlisle New Castle New Chicago New Harmony New Haven New Market New Middletown New Palestine New Paris New Pekin Newpoint Newport New Richmond New Ross Newtown New Washington New Whiteland Noblesville North Crows Nest North Judson North Liberty North Manchester North Salem North Terre Haute North Vernon North Webster Norway Oakland City Oak Park Oaktown Odon Ogden Dunes Oldenburg Onward Oolitic Orestes Orland Orleans Osceola Osgood Ossian Otterbein Owensville Oxford Palmyra Paoli Paragon Parker City Patoka Patriot Pendleton Pennville Perrysville Peru Petersburg Pierceton Pine Village Pittsboro Plainfield Plainville Plymouth Poneto Portage Porter Portland Poseyville Pottawattamie Park Princes Lakes Princeton Redkey Remington Rensselaer Reynolds Richmond Ridgeville Riley Rising Sun River Forest Roachdale Roann Roanoke Rochester Rockport Rockville Rocky Ripple Rome City Rosedale Roseland Roselawn Rossville Royal Center Rushville Russellville Russiaville St. Joe St. John St. Leon St. Paul Salamonia Salem Saltillo Sandborn San Pierre Santa Claus Saratoga Schererville Schneider Scottsburg Seelyville Sellersburg Selma Seymour Shadeland Shamrock Lakes Sharpsville Shelburn Shelbyville Sheridan Shipshewana Shirley Shoals Sidney Silver Lake Simonton Lake Somerville South Bend South Haven Southport South Whitley Speedway Spencer Spiceland Spring Grove Spring Hill Spring Lake Springport Spurgeon Star City State Line City Staunton Stilesville Stinesville Straughn Sullivan Sulphur Springs Summitville Sunman Swayzee Sweetser Switz City Syracuse Taylorsville Tell City Tennyson Terre Haute Thorntown Tipton Topeka Town of Pines Trafalgar Trail Creek Tri-Lakes Troy Ulen Union City Uniondale Universal Upland Utica Valparaiso Van Buren Veedersburg Vera Cruz Vernon Versailles Vevay Vincennes Wabash Wakarusa Walkerton Wallace Walton Wanatah Warren Warren Park Warsaw Washington Waterloo Waveland Waynetown West Baden Springs West College Corner Westfield West Harrison West Lafayette West Lebanon Westport West Terre Haute Westville Wheatfield Wheatland Whiteland Whitestown Whitewater Whiting Wilkinson Williams Creek Williamsport Winamac Winchester Windfall City Winfield Wingate Winona Lake Winslow Wolcott Wolcottville Woodburn Woodlawn Heights Worthington Wynnedale Yeoman Yorktown Zanesville Zionsville