Medicare in Indiana: compare your plan options with a licensed agent
Whether you live in Indianapolis, Fort Wayne, Evansville or a small town in between, a licensed agent can explain the Medicare plans we offer in your Indiana ZIP code in plain English. There's no cost for our help.
When you call, you'll speak with a licensed insurance sales agent. Amerance Health is not connected with or endorsed by the U.S. government or the federal Medicare program.
Your guide to Medicare in Indiana
Medicare is a federal program, so Parts A and B work the same way in Indiana as in every other state. What changes from state to state is which private plans you can choose from, the state rules that apply to Medicare Supplement insurance, and the local programs that can help you pay for coverage. This page covers what's specific to Indiana.
Your Medicare options in Indiana
People with Medicare in Indiana choose between two main paths:
Original Medicare, with a Medicare Supplement and Part D
Original Medicare (Part A for hospital care and Part B for medical care) lets you see any doctor or hospital in the U.S. that accepts Medicare. That's useful if you see specialists across Indiana or spend part of the year out of state. Because Original Medicare has no yearly out-of-pocket limit, many people add a Medicare Supplement (Medigap) policy to cover deductibles and coinsurance, plus a stand-alone Part D plan for prescriptions.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They bundle hospital, medical and usually drug coverage into one plan, often with dental, vision and hearing benefits and a yearly out-of-pocket maximum. Plans are approved county by county, so what's available in Indianapolis may differ from what's available in Fort Wayne or rural Indiana. Most use provider networks (HMO or PPO), so it's important to confirm your doctors and hospitals before you enroll.
Not sure which path fits you? Read our Medicare Advantage vs. Medicare Supplement comparison.
Indiana Medicare Supplement (Medigap) rules
Indiana recently added two important Medigap protections: a birthday rule in 2026, and guaranteed access for people under 65 in 2025.
- Birthday rule (since January 1, 2026): if you're 65 or older and have a Medigap policy, you can switch to the same plan letter at a different insurance company each year, without health questions. The window runs from about one month before to one month after your birthday. For example, you could move from one company's Plan G to another company's Plan G. Changing to a different letter isn't guaranteed.
- Under 65 (since January 1, 2025): every Medigap plan an insurer sells to people 65 and older must also be offered to people under 65 on Medicare because of a disability or End-Stage Renal Disease, with 6 months of guaranteed issue when Medicare begins. Premiums for Plans A, B and D can't exceed the age-65 rate, and other plans can't exceed twice that rate.
Everywhere in the U.S., your strongest protection is your Medigap Open Enrollment Period: the 6 months starting when you're 65 or older and enrolled in Part B. During that window, insurers in Indiana must sell you any Medigap plan they offer, at the same price as someone in good health. Plan G and Plan N are common choices for people new to Medicare. Compare what each Medigap plan covers.
Talk with a licensed agent in Indiana
We'll compare the plans we offer in your ZIP code against your doctors, prescriptions and budget.
Call (954) 668-4095 Request a callbackTurning 65 in Indiana
Your Initial Enrollment Period is the 7 months around your 65th birthday: the 3 months before your birthday month, the month itself and the 3 months after. Sign up in the 3 months before your birthday month so your coverage starts on the first day of the month you turn 65. If you already receive Social Security, you'll be enrolled in Parts A and B automatically. Otherwise, apply through Social Security online, by phone at 1-800-772-1213, or at a local Social Security office in Indiana.
If you're still working, you may be able to delay Part B without a penalty. Our Turning 65 Medicare guide walks through every deadline, or you can take our 2-minute quiz to get a personal game plan.
Help paying for Medicare in Indiana
- Medicaid (Indiana Medicaid): Indiana residents with limited income and resources may qualify for Medicaid in addition to Medicare. Learn more from Indiana Medicaid.
- Medicare Savings Programs: run through Indiana's Medicaid agency, these can pay your Part B premium ($202.90 a month in 2026), and in some cases your deductibles and coinsurance.
- Extra Help: a federal program that lowers Part D premiums, deductibles and copays. Apply through Social Security.
- Dual Special Needs Plans (D-SNPs): Medicare Advantage plans for people with both Medicare and Medicaid, which coordinate both sets of benefits.
Free, unbiased Medicare counseling in Indiana
Indiana SHIP is Indiana's State Health Insurance Assistance Program (SHIP). Trained counselors give free, unbiased help with Medicare questions and don't sell insurance. Call 1-800-452-4800 or visit their website.
Insurance in Indiana is regulated by the Indiana Department of Insurance, which licenses agents and handles consumer complaints.
We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) or Indiana SHIP.
2026 Medicare costs in Indiana
Original Medicare costs are set nationally by CMS and are the same in Indiana as everywhere else. Medicare Advantage, Medigap and Part D premiums vary by plan and location.
| Cost | 2026 amount |
|---|---|
| Part B standard monthly premium | $202.90 |
| Part B yearly deductible | $283 |
| Part A hospital deductible | $1,736 per benefit period |
| Part A premium | $0 for most people with 40 quarters of work |
| Part D out-of-pocket cap | $2,100 |
| Medicare Advantage in-network out-of-pocket limit | Up to $9,250 (many plans are lower) |
Key Medicare dates for Indiana residents
- Annual Enrollment Period: October 15 – December 7, 2026, for coverage starting January 1, 2027.
- Medicare Advantage Open Enrollment: January 1 – March 31, 2027, if you're already in a Medicare Advantage plan.
- General Enrollment Period: January 1 – March 31 each year, if you missed signing up for Part A or Part B.
- Moving within or out of Indiana: if you move out of your plan's service area, you get a Special Enrollment Period to choose a new plan.
Indiana Medicare FAQs
Does Indiana have a Medigap birthday rule?
Yes. Since January 1, 2026, Indiana Medigap policyholders 65 and older can switch to the same plan letter at a different insurer each year, from about one month before to one month after their birthday, without health questions.
Can I get a Medicare Supplement plan under 65 in Indiana?
Yes. Since January 1, 2025, Indiana insurers must offer every Medigap plan they sell to people 65 and older to people under 65 who have Medicare due to a disability or End-Stage Renal Disease, with 6 months of guaranteed issue when Medicare begins. Plans A, B and D are priced at the age-65 rate, and other plans at no more than twice that rate.
Where can I get free Medicare counseling in Indiana?
Indiana SHIP is Indiana's State Health Insurance Assistance Program (SHIP). It offers free, unbiased Medicare counseling at 1-800-452-4800. You can also call 1-800-MEDICARE or visit Medicare.gov for information on all plans.
Can I get help paying for Medicare in Indiana?
Yes, if your income and savings are limited. Indiana's Medicaid program (Indiana Medicaid) runs the Medicare Savings Programs, which can pay your Part B premium, and Social Security runs Extra Help, which lowers prescription drug costs. People with both Medicare and Medicaid may also qualify for a Dual Special Needs Plan.
Are Medicare Advantage plans the same everywhere in Indiana?
No. Medicare Advantage plans are approved county by county, so the plans, premiums, networks and extra benefits available in Indianapolis can differ from those in other parts of Indiana. A licensed agent can show you the plans we offer for your ZIP code.
When can I sign up for Medicare in Indiana?
Enrollment dates are the same in every state. Most people first sign up during their 7-month Initial Enrollment Period around their 65th birthday. If you already have Medicare, you can change Medicare Advantage and Part D plans during the Annual Enrollment Period, October 15 to December 7, with coverage starting January 1.
Medicare help in nearby states
We also help people with Medicare in Illinois, Kentucky, Michigan and Ohio. See all the states we serve.