Medicare Advantage in Indiana

Looking for Indiana Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Indiana state

Information about Medicare Advantage Plans in Indiana

Quick links:

30 percent of 2019 Medicare beneficiaries in Indiana were enrolled in a Medicare Advantage (Medicare Part C) plan.1

There are 1,596 different Indiana Medicare Advantage plans in 2019.1 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.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Indiana

The average 2019 Medicare Advantage plan premium in Indiana is $15 per month.

614 different MA plans in Indiana offered $0 monthly premiums in 2019.

  • Average monthly premium cost in 2019 (weighted): $15
  • Average in-network out-of-pocket spending limit: $5,113
  • Average deductible in 2019 (weighted): $142.551

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

The 2019 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

Compare Plans

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

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 not be eligible for most Medicare Advantage plans. However, you may be able to enroll in 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

Compare Plans

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

Top-rated Medicare Advantage Plans in Indiana 2019

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 755 top-rated 2019 Medicare Advantage plans in Indiana that are rated four stars or higher. This is nearly half (47 percent) of all MA plans in Indiana in 2019.

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 2019

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 24/7 to speak with a licensed insurance agent.

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

2019 Indiana Medicare Advantage plan costs and enrollment information is detailed in the chart below, organized by county.1

  • Allen County had the most $0 premium plans available in 2019, with 12 different plans.

  • Marion County had the highest number of Medicare Advantage plan enrollees in 2019, with 53,687 MA plan enrollees.
2019 IN Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adams 2110 34% 16 7 38.5%
Allen 32973 48% 23 12 52.1%
Bartholomew 3450 21% 16 7 84.0%
Benton 375 19% 19 6 69.1%
Blackford 890 27% 15 5 53.4%
Boone 3188 28% 19 9 44.3%
Brown 1345 30% 19 8 59.6%
Carroll 1143 24% 17 6 63.2%
Cass 2235 26% 17 6 19.8%
Clark 6435 26% 15 5 79.6%
Clay 1326 21% 19 7 70.8%
Clinton 1820 27% 18 8 81.2%
Crawford 584 21% 10 4 71.5%
Daviess 724 12% 17 6 74.9%
De Kalb 4226 46% 17 7 46.1%
Dearborn 2945 26% 15 5 79.3%
Decatur 1440 25% 14 5 59.1%
Delaware 6552 26% 18 8 74.6%
Dubois 1088 12% 15 5 69.4%
Elkhart 11508 32% 18 9 36.5%
Fayette 1162 18% 19 6 41.3%
Floyd 3987 24% 15 5 84.7%
Fountain 887 21% 24 6 65.1%
Franklin 1515 26% 19 6 57.8%
Fulton 1702 35% 14 5 14.7%
Gibson 2056 28% 16 6 39.9%
Grant 4574 28% 17 6 68.2%
Greene 1476 19% 15 5 69.6%
Hamilton 14177 29% 21 10 42.1%
Hancock 5528 34% 22 10 44.6%
Harrison 1917 21% 14 4 87.0%
Hendricks 9306 33% 21 10 43.5%
Henry 3944 33% 19 6 63.2%
Howard 5925 29% 19 8 72.4%
Huntington 3996 47% 20 9 41.9%
Jackson 2917 31% 19 8 88.1%
Jasper 1519 20% 15 6 72.9%
Jay 1267 27% 17 6 52.3%
Jefferson 1646 21% 15 5 77.3%
Jennings 1739 27% 16 6 89.1%
Johnson 8915 30% 22 10 46.0%
Knox 1232 15% 18 6 59.4%
Kosciusko 6781 41% 16 7 40.6%
La Porte 5305 22% 18 8 59.1%
Lagrange 2105 35% 14 5 50.4%
Lake 28293 29% 18 8 62.5%
Lawrence 2675 24% 16 5 70.2%
Madison 11877 39% 21 10 41.3%
Marion 53687 35% 22 10 47.1%
Marshall 3731 38% 18 8 14.6%
Martin 306 12% 15 5 78.0%
Miami 1890 25% 14 5 37.3%
Monroe 4936 22% 15 6 52.1%
Montgomery 2537 31% 17 7 83.9%
Morgan 5090 32% 20 9 49.6%
Newton 636 20% 16 5 58.9%
Noble 4325 44% 16 6 42.7%
Ohio 383 27% 15 5 51.3%
Orange 1111 23% 15 5 83.3%
Owen 1373 26% 16 6 68.0%
Parke 899 24% 15 5 71.2%
Perry 732 17% 15 5 49.4%
Pike 835 26% 15 5 76.0%
Porter 9104 26% 17 8 70.3%
Posey 1456 25% 20 8 40.3%
Pulaski 673 21% 14 5 71.7%
Putnam 2319 29% 16 6 47.3%
Randolph 1171 19% 21 7 78.1%
Ripley 1443 23% 14 5 68.9%
Rush 885 23% 14 5 59.4%
Scott 1386 24% 15 5 77.0%
Shelby 3040 32% 18 8 75.0%
Spencer 934 19% 15 5 65.0%
St. Joseph 18083 35% 24 11 18.0%
Starke 1510 25% 15 5 81.2%
Steuben 3457 41% 14 5 46.5%
Sullivan 998 21% 13 5 72.1%
Switzerland 419 22% 15 5 78.3%
Tippecanoe 6075 23% 19 9 76.3%
Tipton 1094 29% 20 8 68.5%
Union 326 20% 18 6 15.8%
Vanderburgh 11241 29% 22 9 43.5%
Vermillion 730 18% 24 7 62.7%
Vigo 4479 20% 18 6 71.7%
Wabash 3450 41% 15 5 31.1%
Warren 337 17% 24 6 66.0%
Warrick 3623 27% 19 8 44.5%
Washington 1799 28% 14 5 84.7%
Wayne 2208 13% 17 6 18.3%
Wells 2628 42% 21 10 45.2%
White 1242 21% 17 6 81.7%
Whitley 3761 50% 22 11 44.2%

IN Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Indiana Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Indiana enrollees (2019)
Local PPO 52.7%
HMO 46.8%
Regional PPO <1%
PPFS <1%
Other Plans <1%

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 2019 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.