Medicare Advantage in Indiana

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Indiana state

Information about Medicare Advantage Plans in Indiana

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There are 82 different Indiana Medicare Advantage Prescription Drug (MAPD) plans in 2021.1 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 with prescription drug coverage in Indiana is $21 per month in 2021.

  • Average monthly premium cost in 2021 (weighted): $21
  • Average in-network out-of-pocket spending limit: $5,158
  • Average drug deductible in 2021 (weighted): $1451

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

The 2021 average Indiana Medicare Advantage plan monthly premiums are listed by county below in this guide.

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 an Indiana Medicare Advantage plan

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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 2021

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.2

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.

There are 38 top-rated 2021 Medicare Advantage Prescription Drug plans in Indiana that are rated four stars or higher. This is 60 percent of all MAPD plans in Indiana in 2021.

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 2021

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

Find an Indiana Medicare Advantage plan

Compare Plans

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.

2021 Indiana Medicare Advantage Prescription Drug plan costs and enrollment information is detailed in the chart below, organized by county.1

2021 IN Medicare Advantage by County
County Total Enrollees in County Average Premium % of Plans Rated 4 Stars or Higher Avg. Annual Drug Deductible # Plans Available
Adams 2262 $21.33 81% $133.50 26
Allen 36052 $16.87 73% $109.33 37
Bartholomew 4237 $19.56 82% $153.16 25
Benton 439 $26.05 74% $148.64 29
Blackford 1034 $27.58 73% $212.67 20
Boone 3811 $19.40 74% $150.89 35
Brown 1551 $20.03 79% $136.30 30
Carroll 1285 $26.11 82% $189.72 24
Cass 2624 $26.71 83% $163.95 25
Clark 7505 $33.66 73% $161.00 20
Clay 1687 $25.21 79% $173.33 28
Clinton 2251 $22.74 76% $150.20 32
Crawford 727 $25.65 67% $203.08 18
Daviess 967 $34.91 81% $116.67 32
De Kalb 4657 $21.03 80% $132.89 25
Dearborn 3438 $27.47 73% $203.33 20
Decatur 1676 $26.02 73% $198.00 20
Delaware 8147 $20.18 76% $143.13 31
Dubois 1404 $26.69 73% $188.33 20
Elkhart 13257 $18.01 77% $128.20 32
Fayette 1473 $27.89 58% $156.00 26
Floyd 4655 $33.66 73% $161.00 20
Fountain 1106 $35.35 44% $121.21 37
Franklin 1600 $29.19 58% $165.79 25
Fulton 1908 $26.37 75% $185.29 22
Gibson 2244 $21.79 75% $160.95 27
Grant 5466 $22.02 78% $143.25 26
Greene 1873 $25.24 80% $222.33 20
Hamilton 16377 $18.06 74% $136.09 39
Hancock 6211 $18.06 73% $136.09 39
Harrison 2327 $33.66 71% $161.00 20
Hendricks 10921 $18.83 74% $145.69 36
Henry 4501 $28.88 63% $163.57 27
Howard 6833 $18.90 68% $146.61 38
Huntington 4272 $21.76 78% $134.09 28
Jackson 3376 $21.57 79% $145.95 28
Jasper 1787 $20.60 87% $192.00 21
Jay 1510 $25.45 76% $177.94 23
Jefferson 2014 $26.91 73% $201.67 20
Jennings 2076 $22.84 75% $164.47 25
Johnson 10359 $19.38 71% $133.83 37
Knox 1657 $37.34 76% $129.80 33
Kosciusko 7589 $21.59 80% $132.95 28
La Porte 6510 $17.79 68% $154.05 27
Lagrange 2362 $21.71 82% $150.26 25
Lake 33011 $17.39 72% $156.19 27
Lawrence 3265 $26.70 82% $179.72 24
Madison 13500 $16.20 68% $137.50 39
Marion 62547 $18.55 74% $128.83 37
Marshall 4230 $19.69 70% $133.96 29
Martin 386 $26.69 73% $188.33 20
Miami 2385 $26.37 75% $178.24 22
Monroe 6075 $21.30 83% $154.47 25
Montgomery 2886 $19.45 82% $151.82 28
Morgan 5941 $23.07 76% $153.86 29
Newton 812 $28.15 65% $166.58 25
Noble 4811 $23.58 72% $137.50 26
Ohio 517 $27.47 73% $203.33 20
Orange 1412 $25.58 80% $202.33 20
Owen 1665 $23.40 76% $201.76 23
Parke 1067 $23.23 75% $172.00 26
Perry 1021 $28.24 73% $208.00 20
Pike 937 $36.43 75% $121.00 33
Porter 10690 $18.12 72% $164.00 26
Posey 1695 $19.19 68% $149.23 32
Pulaski 823 $24.08 79% $206.07 19
Putnam 2643 $22.42 78% $146.88 30
Randolph 1425 $28.28 62% $172.14 28
Ripley 1846 $25.90 79% $212.69 18
Rush 1093 $23.52 79% $195.94 21
Scott 1777 $26.91 73% $201.67 20
Shelby 3627 $19.11 74% $146.15 32
Spencer 1129 $26.69 73% $188.33 20
St. Joseph 20502 $21.74 69% $129.63 33
Starke 1844 $24.45 78% $190.29 23
Steuben 4013 $24.19 75% $159.47 25
Sullivan 1229 $19.44 85% $202.14 19
Switzerland 606 $27.47 73% $208.33 20
Tippecanoe 7359 $19.16 73% $142.40 32
Tipton 1230 $22.65 71% $149.23 33
Union 405 $27.89 58% $156.00 26
Vanderburgh 13025 $21.06 71% $151.11 34
Vermillion 937 $34.68 50% $113.93 37
Vigo 5956 $25.03 79% $159.75 27
Wabash 3642 $23.78 78% $160.28 23
Warren 402 $35.35 44% $121.21 37
Warrick 4025 $19.30 68% $150.20 31
Washington 2242 $23.67 79% $200.00 19
Wayne 2817 $26.90 59% $122.35 23
Wells 2835 $19.51 71% $117.20 31
White 1536 $26.11 82% $193.89 24
Whitley 4066 $18.86 72% $121.15 32

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 2021 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 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).

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