Medicare Advantage in Indiana

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Indiana state

Information about Medicare Advantage Plans in Indiana

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There are 108 different Indiana Medicare Advantage (Medicare Part C) plans in 2022.1 It's important to find out which plans are offered where you live, because not every Medicare Advantage plan is offered in each area of Indiana.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Indiana.

Average costs of Medicare Advantage in Indiana

The average premium for a Medicare Advantage plan in Indiana is $43.65 per month in 2022, though you may be able to find $0 premium Medicare Advantage plans in your area of Indiana.

  • Average in-network out-of-pocket spending limit: $5,470.37
  • Average drug deductible (weighted): $207.022

Individual plan premiums, deductibles and out-of-pocket costs may vary depending on where you live.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Indiana Medicare Advantage plan costs

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Medicare Eligibility & Enrollment

In order to enroll in a Medicare Advantage plan in Indiana, you must first be enrolled in Medicare Part A and Part B (also called Original Medicare).

You must meet the following requirements to be eligible for Medicare at age 65:

  • You must be a United States citizen or a permanent legal resident for at least five consecutive years.

  • You or your spouse must qualify for Social Security or Railroad Retirement benefits.

  • You or your spouse must have paid Medicare payroll taxes as government employees or retirees.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be eligible to enroll in a Medicare Advantage plan or an Indiana Medicare Special Needs Plan (SNP).

How to sign up for a Medicare Advantage Plan in Indiana

The first time you may be able to enroll in an Indiana Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your seven-month Medicare IEP begins three months before your 65th birthday, includes the month of your birthday and extends for three additional months thereafter.

If you do not sign up for a Medicare Advantage plan during your IEP, you may have other opportunities to do so, including the following Medicare enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare from January 1 to March 31 every year.

You can also join a Medicare standalone prescription drug plan (Medicare Part D) if you disenroll from Medicare Advantage and return to Original Medicare during this period.

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

You may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another during AEP, which lasts from Oct. 15 to Dec. 7 each year.

You may also drop your existing Medicare Advantage plan and return to Original Medicare during AEP (which is also sometimes called the Annual Election Period).

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

Depending on your situation, you may potentially qualify for a Medicare Special Enrollment Period (SEP) at any time throughout the year.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find $0 premium Indiana Medicare Advantage plans today

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Indiana 2022

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings using a system of one to five stars to rate Medicare Advantage plans across the country.3

In order for a Medicare Advantage plan to be considered a top-rated Part C plan, it must have four or more stars out of five stars.

Roughly 47% of 2022 Medicare Advantage plans in Indiana are rated four stars or higher.2

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Availability and coverage of preventive care services
  • Chronic condition management
  • Member experiences with the plan
  • Member complaints and plan performance
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Indiana in 2022

To view a list of plans offered in your area within Indiana, use our plan comparison tool.

Find $0 premium Indiana Medicare Advantage plans today

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer IN Medicare Advantage plans

There are a number of insurance carriers that may offer Medicare Advantage plans in Indiana, depending on where you live.

Private insurance companies and the plans that they offer can vary from one region to the next.

A licensed insurance agent can help you find Medicare Advantage plans that are sold by insurance companies in your area.

You might consider using some of the following information as you shop for Indiana Medicare Advantage plans:

  • Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Indiana Medicare Advantage plans by county

Learn more about Marion County Medicare Advantage plans.

IN Medicare Advantage plans by plan type

The major types of Medicare Advantage plans include:

  • HMO
    If you have a Medicare Health Maintenance Organization (HMO), you'll typically be required to visit health care providers who are in your plan network.

    You will likely also need to designate a primary care physician (PCP) and you typically will need to get a referral from them in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) plan can typically see providers outside of their plan’s network, though the cost is generally higher when getting out-of-network services.

    PPO plans typically do not require beneficiaries to get a referral before seeing a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts Medicare and your plan terms.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics, such as certain financial needs or chronic health conditions.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2022 Indiana Medicare Advantage plans that are available where you live.

Local health insurance resources in Indiana

  • Indiana’s chapter of the nationwide Senior Health Insurance Program is made up of trained volunteers who can help answer questions about Medicare, Medicare Advantage, Medicare Supplement Insurance and other health insurance programs.

    Indiana SHIP can help beneficiaries gain a better understanding of their Medicare benefits, options and rights. The program may be reached at 800-452-4800.

  • You can also explore more information about the insurance industry in Indiana by visiting the state’s Department of Insurance website.

  • Indiana Prescription Drug Assistance Programs
    The state of Indiana has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

 

1 Freed M. et al. (Nov. 2, 2021). Medicare Advantage 2022 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2022-spotlight-first-look.

2 MedicareAdvantage.com's The Best States for Medicare report.

3 Medicare evaluates plans based on a 5-star rating system.