People in Indiana have access to 144 Medicare Advantage plans, 16 prescription drug plans, and 12 Medigap plans. Your exact options depend on where you live.
Medicare is a health insurance program for individuals ages 65 and older, as well as younger people with specific health conditions and disabilities.
It consists of four parts:
- Part A (hospital insurance) and Part B (medical insurance) comprise Original Medicare
- Part C, or Medicare Advantage, serves as an alternative to Original Medicare
- Part D provides coverage for prescription drugs
If you have Original Medicare, you can also enroll in a supplemental insurance plan (Medigap) to help with out-of-pocket costs.
According to the Centers for Medicare & Medicaid Services (CMS), 1,365,388 people in Indiana are enrolled in Medicare.
The CMS reported the following trends for the 2025 plan year:
- The average Medicare Advantage monthly premium increased by $2.86 — from $15.69 in 2024 to $18.55 in 2025.
- The number of available Medicare Advantage plans decreased by 11 — from 155 in 2024 to 144 in 2025.
- All Medicare beneficiaries have the option to enroll in a Medicare Advantage plan, including plans with $0 premiums.
- All Original Medicare enrollees have the option to buy a stand-alone prescription drug plan.
- There are 16 stand-alone prescription drug plans available, and the lowest monthly premium is $0.
- About 65% of people with a stand-alone prescription drug plan have the option to enroll in a plan with a lower premium than they paid in 2024.
- About 24% of people with a stand-alone prescription drug plan receive Extra Help.
Understanding the various parts of Medicare is essential for finding the right option for you, as each part covers different services.
Original Medicare
Original Medicare is a federal program that includes Part A and Part B. It’s available to anyone eligible for Medicare.
Most people qualify for premium-free Part A. In 2025, the standard monthly premium for Part B is estimated to be $185, but your premium may be higher based on your income.
Medicare Advantage
Medicare Advantage plans are offered by private insurers that partner with Medicare to bundle Part A and Part B coverage with extra health and wellness benefits.
Many of these plans also include prescription drug coverage, as well as vision, dental, and hearing services.
Some of the companies that offer Medicare Advantage plans in Indiana include:
- Aetna Medicare
- Anthem Blue Cross and Blue Shield
- Devoted Health
- Essence Healthcare
- Humana
- UnitedHealthcare
- Wellcare by Allwell
Your exact options may vary depending on where you live in Indiana, as not all plans are accessible in every area. Each plan sets its own costs and coverage amounts.
Stand-alone prescription drug plans
Private insurance companies also provide prescription drug coverage through Medicare. You must be enrolled in either Part A or Part B to be eligible.
People in Indiana can choose from 16 different prescription drug plans offered by some of the following companies:
- Aetna Medicare
- Anthem / Anthem or Blue KC in Missouri
- Cigna Healthcare
- Humana
- UnitedHealthcare
- Wellcare
Service areas, costs, and coverage amounts differ by plan.
Medigap
Private insurers offer Medigap policies to help cover out-of-pocket costs for Original Medicare beneficiaries.
Keep in mind that Medigap is not health insurance; rather, it picks up the tab for out-of-pocket costs like deductibles, copayments, and coinsurance.
People in Indiana can choose from 12 different Medigap plans:
Some of the companies that offer Medigap plans in Indiana include:
- Ace Property and Casualty Insurance Company
- Aetna Health and Life Insurance Company
- AFLAC
- Allstate Health Solutions
- American Benefit Life Insurance Company
- American Financial Security Life Insurance Company
- American Home Life Insurance Company
- Anthem Blue Cross Blue Shield
- Erie Family Life Insurance Company
- Everence Association Inc.
- Farm Bureau Health Plans (Members Health Insurance Company)
- Federal Life Insurance Company
- Globe Life and Accident Insurance Company
- GPM Health and Life Insurance Company
- Guarantee Trust Life Insurance Company
- Heartland National Life Insurance Company
- Humana Achieve (CompBenefits Insurance Company)
- Humana (Humana Benefit Plan of Illinois, Inc.)
- LifeShield National Insurance Company
- Manhattan Life Assurance Company
- Medico Corp Insurance Company
- MedMutual Protect
- Mutual of Omaha (Mutual of Omaha Insurance Company)
- Nassau Life Insurance Company
- New Era Life Insurance Company
- Pekin Life Insurance Company
- Physicians Select Insurance Company
- Royal Arcanum
- State Farm Mutual Automobile Insurance Company
- Transamerica Life Insurance Company
- UnitedHealthcare/AARP
- United American Insurance Company
- USAA Life Insurance Company
- Washington National Insurance Company
- Wellcare (Centene)
- Wisconsin Physicians Service Insurance Corporation
- Woodmen Of The World Life Insurance Society
Service areas, costs, and coverage amounts differ by plan.
You’re eligible for Medicare if you:
- are age 65 or over
- are a U.S. citizen or legal resident of at least 5 years
If you’re under age 65, you may be eligible for Medicare if you:
- received Social Security Disability Insurance (SSDI) or Railroad Retirement Board (RRB) benefits for at least 24 months
- have end stage renal disease (ESRD) or a kidney transplant
- have amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease
When can you enroll in Medicare in Indiana?
You can enroll in Medicare or change your coverage during specific periods:
- Initial Enrollment Period (IEP): This lasts for seven months — three months before your 65th birthday, during your birth month, and three full months afterward.
- Open Enrollment Period (OEP): From October 15 to December 7, you can enroll, switch plans, or drop coverage.
- Medicare Advantage OEP: If you’re already enrolled in a Medicare Advantage plan, you can make changes from January 1 to March 31.
- Medigap OEP: You have six months after turning 65 to enroll in Medigap.
Certain life events can trigger a special enrollment period, allowing you to sign up for Medicare outside of standard enrollment.
Tips for enrolling in Medicare in Indiana
To help you narrow down your options, consider the following:
- Provider network: To get the most out of a Medicare Advantage plan, you may need to use in-network providers. Before enrolling, confirm that your healthcare team is part of the network.
- Prescription drugs: Make a list of your medications and compare it against the coverage provided by stand-alone prescription drug plans and Medicare Advantage plans in your area. Ensure your medications are covered and reasonably priced.
- Travel coverage: If you travel frequently, look for Medicare Advantage plans that offer coverage outside the plan’s service area.
- Plan performance: The CMS publishes annual performance ratings for Medicare plans, rated from one to five stars, with five being the highest.
Medicare has a helpline with staff available 24 hours a day, 7 days a week (excluding some federal holidays) to answer your questions. You can call Medicare at 1-800-633-4227 (TTY: 1-877-486-2048).
For personalized health insurance counseling, contact Indiana’sState Health Insurance Assistance Program (SHIP)at 1-800-452-4800 (TTY: 1-866-846-0139).
More than 1.3 million Indiana residents are enrolled in Medicare.
Several private insurance companies offer Medicare Advantage, Medigap, and stand-alone prescription drug coverage throughout the state.
Overall, monthly premium costs have increased for Medicare Advantage plans in Indiana.