Best Medicare Supplement Plans in Indiana: 2025 Guide
Choosing a Medicare Supplement (Medigap) plan in Indiana can feel overwhelming, and it’s easy to see why.
With dozens of Medigap insurance companies offering different plan types, navigating your options can quickly become confusing.
But here’s the good news: while pricing and service can vary from one carrier to the next, the federal government standardizes the benefits for each Medigap plan.
That means a Plan G from one company offers the same core coverage as a Plan G from another – the difference is in monthly premiums, optional add-ons, and customer experience.
If you’re focused on getting the lowest premium, ACE stands out with rock-bottom pricing and top-tier financial strength. If you want a trusted household name with optional extras like dental, vision, and wellness perks, Anthem delivers a more feature-rich experience.
Do you prefer a middle ground with strong support and competitive pricing? Cigna may be the right fit. If your main concern is minimizing monthly costs while maintaining solid protection, High-Deductible Plan G options from Mutual of Omaha and Humana are hard to beat.
This 2025 guide breaks down the best Medigap options available in Indiana, including:
-
Overviews of the most popular Medigap plans
-
The most competitively priced Plan G, Plan N, and High-Deductible Plan G (HDG) carriers
-
How to choose which plan and company are the best for your needs
-
How to enroll in a Medigap plan
Whether you prioritize the lowest premium, brand reputation, flexible extras, or long-term support, this guide will help you confidently choose the right Medigap plan for your needs and your budget.
Let’s start with an overview of Medigap Plan G.
What Does Plan G Cover and How Does It Work?
Medigap Plan G is widely considered the gold standard in Medicare Supplement insurance – and for good reason.
Plan G offers one of the most complete coverage options available to new Medicare enrollees, helping you avoid costly surprises while providing the flexibility to see any provider who accepts Medicare.
Once you’ve paid the small annual Medicare Part B deductible ($257 in 2025), Plan G picks up 100% of the rest of your Medicare-approved out-of-pocket costs.
That means no coinsurance, no excess charges, and no unexpected medical bills.
What Plan G Covers
Plan G fills in nearly every gap left by Original Medicare Parts A and B, including:
- Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
- Part B coinsurance or copayments
- The first 3 pints of blood (an expense not fully covered by Original Medicare)
- Part A hospice care coinsurance or copayments
- Skilled nursing facility care coinsurance
- Medicare Part A deductible (which is $1,676 in 2025)
- Foreign travel emergency coverage (up to 80%, with a lifetime limit of $50,000)
- Part B excess charges – the difference between what Medicare pays and what certain providers charge (if they don’t accept Medicare’s full payment rate)
What Plan G Does Not Cover
Although Plan G offers nearly complete protection, there are a few items it does not include:
- The Medicare Part B deductible: You’ll need to pay the $257 deductible out of pocket each year (as of 2025)
- Prescription drug coverage: You’ll need a separate Part D plan for medications
- Routine dental, vision, or hearing care: These are not included unless your Medigap carrier offers them as optional add-ons
Who Should Choose Plan G?
Plan G is ideal for individuals who want maximum financial protection with minimal hassle.
It’s especially well-suited for:
People who visit doctors frequently, see specialists, or expect surgeries or outpatient care.
Retirees on fixed incomes who want predictable monthly expenses and fewer surprises.
Anyone who values freedom of choice, since Plan G lets you see any doctor or hospital in the U.S. that accepts Medicare – no referrals and no networks required.
If you want coverage that’s simple, stable, and easy to understand – with the confidence that most of your healthcare costs are fully taken care of – Plan G is one of the smartest choices you can make.
Best Medicare Supplement Plan G Companies in Indiana
Plan G remains the most popular Medigap plan in Indiana (and nationwide) because it offers the most comprehensive coverage for new Medicare enrollees.
Next, let’s review the top two Medigap Plan G providers in Indiana.
#1. ACE Property and Casualty
Best For: Budget Shoppers Seeking the Lowest Premium
ACE, underwritten by Chubb – one of the most financially secure insurance companies in the world – offers the lowest Plan G premium in Indiana for a 65-year-old female in 2025.
Plan G premium: $113.50/month
While it may not be a household Medicare name yet, Chubb holds an A++ AM Best rating, offering rock-solid stability for long-term coverage.
This plan is a standout option for seniors who want full Medigap protection at the lowest possible price.
Pros:
- Lowest Plan G premium available in Indiana for 2025
- Backed by Chubb’s A++ financial strength and global reputation
- Household discount typically available (7%)
- Clean, no-frills enrollment process with efficient claims handling
- In some counties, access to basic wellness extras like virtual tools or health-tracking
Cons:
- No built-in dental, vision, or hearing (DVH) package
- No fitness or wellness benefit integration like SilverSneakers®
- Limited brand recognition in the Medicare space, which may give some buyers pause
Our Opinion:
ACE is ideal for retirees who want core Medigap coverage without paying for bundled perks they may not use.
If you’re generally healthy, value simplicity, and prefer a low monthly premium backed by financial strength, ACE is a top-tier option.
It’s especially appealing to price-sensitive enrollees who understand that low cost doesn’t mean low quality when it comes to standardized Plan G benefits.
#2. Anthem Blue Cross and Blue Shield
Best For: Those Who Want a Trusted Brand, Extras, and Support
Anthem is one of the most recognized and respected names in healthcare across Indiana.
As part of the Blue Cross Blue Shield network, it has served Medicare beneficiaries for decades – and that experience shows in its strong service infrastructure and bundled benefit options.
Plan G premium: $155.38/month
While Anthem’s Plan G premium is over $40 more per month than the most affordable option (ACE), it comes with a more feature-rich package that can make the added cost worthwhile for many enrollees.
Pros:
- Strong brand recognition and trust, especially in Indiana
- Nationwide provider access, plus deep local provider relationships
- Optional dental, vision, and hearing (DVH) benefits (for an additional premium)
- Wellness perks including SilverSneakers®, telehealth access, 24/7 nurse lines, and more
- Dedicated Medicare service teams and helpful mobile/digital tools
Cons:
- Highest Plan G premium among Indiana’s most competitive options
- Some perks vary by ZIP code and may not be available in all areas
- Maybe less appealing to those seeking a lean, no-frills plan at the lowest cost
Our Opinion:
Anthem is an excellent choice for individuals who value brand trust, local support, and having all their medical, dental, and wellness options under one roof.
If you’re willing to pay a bit more for the convenience of bundled benefits and premium service, Anthem offers one of the most complete and user-friendly Plan G packages in the state.
Which Plan G Company Is Right for You?
What Does Plan N Cover and How Does It Work?
Plan N is an increasingly popular Medicare Supplement choice for Indiana enrollees who want strong coverage at a lower monthly cost than Plan G.
It’s a great fit for healthy individuals who are comfortable with modest out-of-pocket costs in exchange for substantial premium savings.
What Plan N Covers
Plan N has similar coverage to Plan G, including:
- Part A coinsurance and hospital costs (+365 days)
- Part B coinsurance (except small copays)
- First 3 pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- 80% foreign travel emergency (after deductible)
What Plan N Does Not Cover
With Plan N, you’ll still have excellent protection against high medical bills, but you’ll pay:
- Up to $20 for office visits
- Up to $50 for ER visits (waived if admitted)
- Part B excess charges (though rare, they can occur with non-participating providers)
Plan N offers great value, but as with any Medigap policy, the right insurance company can make all the difference.
Best Medicare Supplement Plan N Companies
Here’s how the top Plan N providers in Indiana compare in 2025:
#1. ACE Medicare Supplement
ACE offers the lowest Plan N premium in Indiana for a 65-year-old female.
Plan N premium: $82.92/month
It’s an ideal choice for shoppers who want straightforward, reliable coverage at the best price point.
Key Highlights:
- Cheapest Plan N premium available in Indiana
- Backed by Chubb’s A++ financial rating, offering long-term stability
- Household discounts available, typically around 7–12%
- No DVH (dental, vision, hearing) or fitness perks, but excellent value for the core Plan N benefits
Our Opinion:
Plan N with ACE is ideal for healthy retirees looking to keep premiums low and who don’t mind a few small copays.
If you’re seeking basic coverage at a highly affordable price – without bundled extras – ACE is tough to beat.
#2. Cigna
Cigna has a strong national reputation in the Medicare market and offers one of the most competitive Plan N premiums in Indiana, coming in just slightly above ACE.
Plan N premium: $90.29/month
While it doesn’t include extras like fitness programs or DVH by default, its stability, claims support, and brand confidence make it a dependable choice.
Key Highlights:
- Moderate monthly premium with strong name recognition
- Optional DVH coverage may be available depending on your ZIP code for an additional premium
- Household discounts apply in many regions
- Backed by a company with decades of Medicare experience and a broad support network
Our Opinion:
Cigna is a great match for individuals who want a balance between cost and brand familiarity.
If you’re looking for a well-known company that keeps things simple and doesn’t overcharge, Cigna delivers reliable value.
While Anthem’s Plan N premium is the highest on this list, the added perks may justify the price for many enrollees.
Plan N premium: $154.24/month
With Anthem, you’re getting more than just basic Plan N coverage.
Key Highlights:
- Dental, vision, and hearing benefits (for an additional premium)
- Fitness and wellness programs (like SilverSneakers®)
- Telehealth and 24/7 nurse line
- Broad provider access and local support infrastructure
- Strong mobile and web tools for members
Our Opinion:
Anthem is best for people who want premium service and bundled benefits and are comfortable paying a higher monthly premium for a more inclusive package.
If you’re seeking the convenience of one carrier for medical, dental, wellness, and support, Anthem may be worth the investment.
Which Plan N Company Is Right for You?
ACE Medicare Supplement offers the lowest Plan N premium in Indiana at $82.92/month, making it the best choice for healthy enrollees who want straightforward, affordable coverage without extras. Backed by Chubb’s A++ financial strength, it’s a reliable option if you’re focused on value and don’t mind small copays.
Cigna, priced slightly higher at $90.29/month, is a great fit for those who want budget-friendly coverage from a nationally recognized brand. It offers dependable service, optional DVH benefits in some areas, and a strong Medicare track record – perfect for those seeking a balance between cost and name recognition.
Anthem Blue Cross and Blue Shield costs $154.24/month and is ideal for those who want a more inclusive package. With dental, vision, and fitness perks (for an additional premium) and top-tier support, Anthem is the premium choice for enrollees willing to pay more for bundled benefits and a trusted brand experience.
In short, Choose ACE for low cost and simplicity, Cigna for value with brand strength, and Anthem for a more complete, benefit-rich experience.
-
Need Help?
Since pricing and discounts vary by ZIP code and personal situation, it’s always smart to compare quotes side by side.
A licensed Policy Guide agent can help you determine which carrier offers the best value for your needs.
How to Choose Between Plan G and Plan N?
Suppose you’ve narrowed your Medicare Supplement options down to Plan G and Plan N. In that case, you’re already on the right track – these are the two most popular and well-rounded Medigap plans available to Indiana residents in 2025.
Both offer strong protection against Medicare’s out-of-pocket costs, but they’re designed for slightly different needs and budgets.
To help you decide, here’s a quick side-by-side comparison of how the two plans differ in terms of costs and coverage:
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly Premium | Higher | Lower |
| Part B Deductible | Not Covered | Not Covered |
| Office Visit Copays | None | Yes (up to $20 per visit) |
| ER Visit Copays | None | Yes (up to $50 per visit) |
| Part B Excess Charges | Covered | Not Covered |
Both Plan G and Plan N offer comprehensive, stable, and network-free coverage, but they’re designed for different types of Medicare enrollees.
The best choice depends on your current health needs, budget, and comfort, with minor out-of-pocket costs.
Decision Guide
Choose Plan G if you want maximum coverage and prefer to avoid out-of-pocket costs for office visits, specialists, and outpatient services.
It’s a great choice for people who see doctors regularly or want the peace of mind that comes with knowing nearly everything is covered after the annual Part B deductible.
Choose Plan N if you’re generally healthy and only see doctors occasionally. It allows you to save significantly on monthly premiums in exchange for small copays and the risk of limited excess charges (which are rare in most areas, including Indiana).
Plan N is often the better value for people who don’t mind a bit of cost-sharing and want to keep their monthly expenses low.
If you’re unsure which route to take, a licensed Policy Guide agent can help walk you through real-world pricing and show you how each plan would work based on your specific situation.
If you’re looking for the lowest premium available in Indiana, let’s move on to discuss High-Deductible Plan G.
What’s the Cheapest Medigap Plan in Indiana?
If your main goal is to keep your monthly premium as low as possible, the most affordable Medicare Supplement option in Indiana is the High-Deductible Plan G (HDG).
This plan is designed for people who want strong coverage for major medical events without the higher premiums of standard Plan G or Plan N.
HDG offers identical benefits to standard Plan G – including coverage for Medicare Part A and B coinsurance, skilled nursing care, foreign travel emergencies, and more.
The only difference is that you must pay the first $2,870 in Medicare-approved out-of-pocket costs (as of 2025) before the plan begins to pay.
This structure keeps the monthly premium much lower, making it ideal for:
- Healthy individuals who don’t go to the doctor often
- Retirees who want catastrophic coverage in case of serious illness or hospitalization
- People looking for low fixed monthly expenses with the flexibility to self-insure smaller costs
Here are the top two HDG providers in Indiana for 2025:
| Company | Monthly Premium | Perks |
|---|---|---|
| Mutual of Omaha | $39.74 | DVH add-ons, household discounts, strong customer service reputation |
| Humana | $43.42 | DVH benefits, household discounts, digital tools, and member support |
Let’s break down these providers in a little more detail.
#1. Mutual of Omaha
Best for: Lowest Cost and Trusted Service
Mutual of Omaha offers the most affordable HDG premium in Indiana and backs it with a long-standing reputation in the Medicare market. Their plan combines simplicity with options for added support if you want it.
What You Get:
- Optional add-on dental, vision, and hearing (DVH) coverage available
- Household discount that can reduce your premium further
- Excellent customer service and a reputation built over 60+ years in the Medicare space
Mutual of Omaha is ideal if you want rock-bottom premiums without sacrificing trust or optional support tools. It’s especially appealing for people who’ve used Mutual of Omaha for other insurance needs and want to stay with a company they know.
#2. Humana
Best for: Digital Tools and Wellness-Friendly Features
Humana is a close second for HDG in Indiana. While it’s a few dollars more per month than Mutual of Omaha, it includes DVH coverage, a variety of member wellness resources, and user-friendly digital tools.
What You Get:
- Optional add-on DVH benefits available depending on your location
- Household discount available
- Access to online member portals, claims tools, and virtual support
- Well-established Medicare Supplement footprint across the country
Humana works well for those who want low monthly costs paired with tech-savvy support and flexible benefit add-ons. If you like managing your coverage online and prefer a slightly more bundled experience, Humana is worth a strong look.
Which Company Do You Choose?
Mutual of Omaha is best if your top priority is paying the least possible while maintaining trusted service and flexible add-ons. Humana is perfect if you’re looking for a balance between affordability, DVH options, and digital convenience.
Before enrolling, it’s smart to compare rates based on your age, ZIP code, and eligibility for household discounts.
A quick conversation with a Policy Guide agent can help you confirm which company offers the best net premium for your situation – and make sure you don’t miss out on optional extras that matter to you.
Medigap Plan G vs Medicare Advantage in Indiana: Which is Best?
Next up, I want to switch gears and give you some valuable information regarding the recent Medicare Advantage shakeup, showcasing why you’re much better off choosing a Medicare Supplement plan.
As the 2024 Annual Election Period (AEP) wrapped up, thousands of Indiana seniors found themselves reassessing the choices they made – or, in some cases, the choices that were made for them.
If you were enrolled in a Medicare Advantage (MA) plan last year, you likely experienced some kind of disruption. From plan terminations to sudden premium hikes, the year brought more instability than most people bargained for.
But if you were enrolled in Medigap Plan G, your experience was probably very different – and a whole lot more predictable. While Medicare Advantage enrollees navigated last-minute changes, provider dropouts, and shifting benefits, Plan G members largely stayed the course with uninterrupted access to care.
Let’s look at why 2024 was so turbulent for MA plans in Indiana – and how Plan G became a welcome safe harbor for many.
2024: A Rough Ride for Medicare Advantage in Indiana
In early 2023, the Centers for Medicare & Medicaid Services (CMS) announced proposed changes to Medicare Advantage reimbursement rates. While the final cuts weren’t as steep as first anticipated, they were enough to force insurers to make big decisions.
Some raised premiums, others cut benefits, and several, especially those operating in smaller markets, simply pulled out altogether.
In Indiana, these ripple effects became very real. MDwise, a homegrown Indiana insurer, exited the Medicare Advantage space entirely by the end of 2024. Humana, one of the biggest names in the MA world, announced it would be leaving 13 counties across the U.S.- including areas right here in Indiana.
Even Aetna reduced its rural footprint, leaving many seniors with fewer options and more questions than answers.
By the time AEP rolled around, over 1.8 million MA enrollees across the country were affected by these shifts. That included thousands who suddenly had to shop for new plans under pressure – and often with limited choices.
In early 2024, the Community Healthcare System in northwest Indiana ended its partnerships with Aetna and Humana MA plans due to reimbursement delays and claim denials. This left patients with tough choices: switch doctors, appeal denied claims, or pay out-of-network costs, disrupting their continuity of care.
What About Medigap Plan G Members?
Meanwhile, none of this touched Medigap Plan G members. While MA plans were shifting and dissolving, Plan G quietly kept doing what it always does: offering comprehensive, predictable, and network-free coverage.
There were no last-minute plan terminations, scrambled provider searches, referrals or prior authorizations, or phone calls to find out if a doctor was “in-network.”
That’s because Medigap plans don’t rely on provider networks. They work with any doctor or hospital in the U.S. that accepts Medicare.
And the benefits don’t change every year. Once you’re enrolled, you don’t have to re-shop or re-verify your coverage.
It’s yours for as long as you keep paying the premium – and it doesn’t vanish when insurers shift their strategy.
Plan G also keeps things simple. Aside from the annual Medicare Part B deductible, you don’t owe anything else for Medicare-approved services. No surprise copays. No coinsurance. No hidden costs.
Seniors in Indiana who chose Medigap Plan G were spared the stress and scrambling that hit so many Medicare Advantage members. While others were navigating sudden changes, Plan G members saw their regular doctors, kept their plans, and avoided the chaos.
How to Enroll in a Medigap Plan in Indiana
If you’ve made the decision to enroll in a Medigap plan – congratulations! Enrolling doesn’t have to be confusing, especially when you know what to look for.
In Indiana, several high-quality companies offer competitive rates and added perks, but the key is finding the one that best fits your budget, health needs, and lifestyle.
Here’s a step-by-step guide to make the enrollment process easier:
#1. Compare Premiums from Top Carriers
Start by comparing rates from Indiana’s most competitive Medigap providers. For 2025, the standout companies include:
- ACE – often the lowest premium for Plan G and Plan N
- Anthem Blue Cross and Blue Shield – known for brand trust and bundled benefits
- Cigna – reliable, affordable, and widely available
- Mutual of Omaha – strong option for High-Deductible Plan G
- Humana – a close competitor with DVH integration and strong digital tools
Your premium may vary based on your age, gender, ZIP code, and household situation, so it’s important to get a personalized quote.
#2. Review Plan Perks and Optional Add-Ons
While all Medigap plans are standardized in terms of core benefits, some companies offer extras that can make a big difference in your overall healthcare experience. These may include:
- Dental, vision, and hearing (DVH) packages
- Fitness programs like SilverSneakers® or other wellness incentives
- Telehealth access or nurse support lines
- Digital tools for managing claims and finding providers
If these features matter to you, be sure to factor them in when choosing your plan.
#3. Ask About Discounts
Some carriers offer household discounts if you live with another Medicare-eligible adult – even if only one of you is applying. Others may have multi-policy discounts or incentives based on payment method (like autopay via bank draft).
These discounts can add up to hundreds in annual savings, so don’t overlook them.
#4. Work with a Licensed Medicare Agent
A licensed, independent agent can save you time, stress, and money.
They’ll help you:
- Compare real-time rates based on your ZIP code and age
- Explain how underwriting works if you’re switching from an MA plan or outside your initial enrollment window
- Ensure your enrollment is completed accurately and without delays
Even better, there’s no extra cost to use an agent – and they’re often your best ally in navigating a complex system.
Final Thoughts
For Indiana residents navigating Medicare in 2025, Medigap remains the most stable and predictable path to long-term healthcare coverage.
With Medicare Advantage plans seeing significant shakeups – including insurer exits, shrinking networks, and disrupted care – Medigap plans like Plan G and Plan N stand out for their consistency, simplicity, and reliability.
Plan G is the top choice if you want the most comprehensive coverage with minimal out-of-pocket costs. It’s ideal for individuals who visit doctors regularly and want the peace of mind that nearly every Medicare-approved cost (after the small Part B deductible) is fully covered.
Plan N is the better fit for healthy enrollees willing to accept minor copays in exchange for lower monthly premiums.
If you want to keep monthly costs to an absolute minimum, High-Deductible Plan G (HDG) offers a powerful safety net with ultra-low premiums.
No matter your health, lifestyle, or budget, Indiana’s Medigap market in 2025 has a plan that can fit your needs. The key is comparing premiums, benefits, and company reputations and making sure your chosen plan aligns with your wallet and your well-being.
Need help getting started?
Whether you’re new to Medicare or reconsidering your options after a frustrating experience with Advantage, a licensed Policy Guide agent can walk you through the entire process.
From comparing companies to submitting your application, we’re here to help you enroll confidently and avoid costly mistakes.
FAQs
- Which Medigap plan do most people choose?
- What is the most cost-effective Medigap plan?
- Do I need to use a network with my Medicare Supplement?
- What is the disadvantage of Medigap Plan G?
- How difficult is it to change Medigap plans?
