View Senior health insurance supplement rates in Indiana from multiple companies and reduce out-of-pocket costs of approved services that may not be covered by Original Medicare. Medigap plans offered by major insurers, including Anthem, help pay for copays, coinsurance, deductibles, services, excess charges, and other expenses. State and Federal legislation helps protect Hoosier State residents, since these types of policies are regulated and constantly reviewed. Our comparison charts help you understand the differences between plans. A 2024  “Plan Finder” is also available.

A seven-month Initial Open Enrollment period is available when you reach age 65 and complete your enrollment in Medicare Part B. During this period, medical questions are not asked, and pre-existing conditions and/or future medical treatment does not affect the cost of coverage. This period starts when your Part B benefits become effective. You also may continue to work beyond age 65 and retain eligibility. If you are currently disabled, and have not yet reached age 65, several carriers offer Supplement contracts.

A “Special Enrollment Period”  may be available after the initial enrollment period has ended. If you were eligible for Part B benefits, but did not sign up because you had employer-provided coverage, the special period can likely be offered. A spouse or other family member’s employer-provided plan would also qualify. Also, a late-enrollment will not apply.

12 standardized 2024 policies

In Indiana, 12 standardized policies are available that identify with letters A, B, C, D, F, G, K, L, M, and N. There are two “F” and “G” plans since a high-deductible option is offered. Benefits can not vary from one company to another. However, rates are different, and separate pricing may occur, depending upon your County of residence. Some expenses that are not covered by Medicare, such as prescription drugs, can be covered by supplements. Separate Part D plans are also offered. These contracts can also be purchased by persons with Advantage plans that do not have drug coverage. Note: Plan F (HD) is no longer offered to new applicants.

Plans C and F are no longer available for new enrollees. However, existing policyholders can retain their current plan or switch to another plan. Once you change from Plans C or F, you may not return to those plans. These two plans are the only options that pay the Part B deductible. Plan A is the basic benefit plan option and Plan J offers the most comprehensive benefits. CMS (Centers for Medicare and Medicaid Services) manages the program and helps with enrollment.

All carriers are required to offer Plan A, which is considered a core plan, since its benefits are contained in all options. For example, $408 per day of hospital confinement is payed for 61-90 days, and $816 for days 91-150. The potential out-of-pocket expenses for uncovered benefits are $1,364, and $10,050. A Skilled nursing confinement copay of $204 per day for days 21-100 can also result in $15,000 of expenses without a Medigap plan.  An extra 365 days is covered after Medicare benefits cease. The Part B copayment is also covered, and generally it is 20% of the approved Medicare amount.

The Centers for Medicare and Medicaid Services is an official government site that helps regulate coverage. They are part of the Department of Health and Human Services (HHS). Updated versions of publications are provided each year. Depending on your county of residence, new products may become available.

Benefits Provided Other Than Part A

Once the contract out-of-pocket expenses limit has been reached, all copayments, coinsurance, and deductibles are covered. Until the annual out-of-pocket limit has been met, specific services may have to be paid. Listed below are additional benefits covered under selected Supplement plans (other than Plan A): If you are already covered under Plan A, and want to sign up for Part B, completion of form CMS 40-B may be required.

Part A Deductible – The amount not payed if you are hospitalized. Currently, it is $1,632 and it is applicable for each separate stay. Part A covers inpatient hospital, skilled nursing, hospice care, and limited health care services. Most persons don’t pay a Part A premium since they have credits for at least 40 quarters of Medicare-covered work. Coinsurance for days 61-90 in the hospital has increased to $408.

Part B Deductible – Covers outpatient services, physician services, some home health services, durable medical equipment, and annual physical costs not paid by Medicare. Three pints of blood is also covered. The current deductible is $240. The cost of the premium is $174.70. On Plan L, the out-of-pocket limit is $2,780.

Skilled Nursing Facility Copay – Days 21-100 at a cost of $204 per day.

Foreign Travel Emergency – Medical treatment outside the US is not covered. However, MedSup plans pay 80% of qualified emergency expenses for the first 60 days. The maximum payout is $50,000 (lifetime).

Excess Part B Expenses – Charges up to 15% higher than Medicare-approved amount are covered. The coinsurance can vary between 0% and 20%.

At Home Recovery – $1,600 per year is offered for qualified expenses, such as home visits (from nurses, and other qualified professionals) that help with routine daily activities. Generally, home health coverage must currently be provided, or it has been less than eight weeks since the last approved Medicare visit.

Blood – First three pints of blood.

Part B Preventative Care Coinsurance –  With no copay or deductible, many qualified services are covered, including (but not limited to) routine annual physicals, bone mass measurement, diabetes and mammogram screening, pap test and pelvic exam, cardiovascular disease and colorectal screenings, OBGYN exams, and hepatitis B, pneumonia, and H1N1 flu vaccines. Nutrition therapy and smoking cessation counseling are also included.

Several expenses are not covered. These include prescription drugs, private duty nurses, hearing aids, eyeglasses, contacts, routine dental and vision care, and long-term nursing care. Stand-alone Part D prescription plans are offered by many companies.

How Rates Are Calculated

The rate you pay can be determined by the carrier in three separate ways:

Attained Age: The premium you pay is solely based on your age at the time of enrollment. Therefore, initially, the cost may be less expensive than other options. However, as you get older, the premium also increases. Although prices are typically competitive at ages 65 to age 75, at higher ages, plan rates can be quite high compared to many other plans.

Issue Age – The cost of coverage is based on your age at the time you apply for a policy. Thus, buying a policy at younger ages (65-70), your premiums do not increase, other than for inflation and an overall carrier increase. General increases in healthcare can also impact your rate.

No Rating – Regardless of your age, rates are identical. Although not utilized very often, when available, older applicants receive very favorable pricing. However, younger applicants generally pay more for coverage when compared to the other two methods of rating.

NOTE: Medicare Select plans are offered by several private carriers. Although the premium is typically lower than most other plans, to receive full benefits, you must use a specific network of doctors and hospitals, which can be very restrictive. For example, the Part A deductible is typically covered when you are treated inside the network. However, unless it is an emergency, an out-of-network hospital visit may result in some or all of the deductible not being covered.

ID Cards

Recently, the look of your Medicare ID Cards changed. The social security number, gender, and signature have been removed. Appearing on the front of the card is your name, Medicare number, and the dates when your Part A and Part B benefits began. Cards were mailed in the early summer. The Railroad Retirement Board mailed cards to their retired employees. Benefits and cost of coverage are not impacted, and other ID cards (Advantage, Supplement, or Part D prescription drug) will not change. The previous red, white, and blue card should be cut up and discarded. The effective date of the new card is when it is received.

Which Companies Offer Medicare Supplement Coverage In Indiana?

Although we have more than 40 years of experience offering expert and unbiased advice, we do not “rate” carriers that provide Senior benefits. However, each company must be properly registered and approved by the Department of Insurance (DOI) before they advertise or offer any product. Below, we have listed the companies that have been approved by the Department of Insurance (DOI) to sell Medigap contracts, and the plans they offer.

Not all carriers sell all available contracts. Also, the most appropriate plan for yourself, is likely not to match the specific needs of another person. “SELECT” plans will require the insured to use specific doctors and hospitals in a designated network.

AARP (UnitedHealthcare) – Plans A, B, C, F, G, K, L, N

Accendo – A, F, G, N

Aetna – A, B, F, F (HD), N

Anthem Blue Cross – A, F, G, N

Assured Life – A, F, G, N

Bankers Fidelity – A, F, F (HD), G, G (HD), N

Central States – A, D,  F, N

Cigna – A, F, G, N

Colonial Penn – A, B, D, F, F (HD), G, G (HD),  K, L, M, N

Combined Insurance – A, F, G, N

Erie – A, F, G, N

Continental Life (Aetna) – A, B, F, F (HD), G, N

CSI Life (Central States) – A, F, G, N

Equitable National Life – A, F, G, N

Everence – A, C, F, G, L, N

Everest – A, C, D, F, G, N

Federal Life – A, F, G, G (HD), N

Garden State Life – A, F, G, G (HD), M, N

Gerber – A, F, G

Globe Life – A,  F, G, G (HD),  N

GPM Health And Life – A, F, G, N

Great Southern Life (Americo) – A, F, F (HD), G, N

Guarantee Trust Life – A, F, G, N.

Humana – A, F, F (HD), G, G (HD), N

Independence American – A, F, G, N

Indiana Farm Bureau – A, B, C, D, F, G, M, N

Lumico Life – A, F, G, N

Manhattan Life – A, F, G, N

Nassau Life – A, F, G, N

National Guardian Life – A, F, G, N

National Health – A, F, F (HD), G, N

New Era Life – A, C, F, F (HD), G, G (HD), N

Oxford Life – A, F, G, N

Pan American – A, F, G, N

Pekin Life – A, F,  G , N

Physicians Life – A,  F, F (HD), G, G (HD), N

Prosperity Life (USAA) – A, F, G

Puritan Life – A, F, G, N

Reserve National – A, C, F, F (HD), G, N

Resource Life – A, F, G

Sentinel Security – A, F, G, N

Shenandoah Life – A, F, G, N

State Farm – A, C, D, F, G, N

The Capitol Life – A, F, G, N

The Order Of United Commercial Travelers Of America – A, B, C. D, F, G, N

Transamerica – A, B, C, D, F, G, K, L, M, N

Union Security – A, F, G, N

United American – A, B, C, D, F, F (HD), G, G (HD), K, L, N

United States Fire – A, B, F, G, G (HD), K, L, N

United World Life (Mutual Of Omaha) – A, F, F (HD), G, G (HD), N

USAA – A, F, G, N

Wisconsin Physicians Service – A, C, F, G, K, L, N

Indiana Medicare Supplement Plan Rates (2024)

Illustrated below are current monthly prices for several different counties. Rates shown are for females. Male rates are typically higher.

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan A

$75 – AARP-UnitedHealthcare

$97 – Omaha Supplemental Insurance

$100 – Allstate

$100 – Manhattan Life

$102 – Paramount

$103 – Continental Life

$103 – AFLAC

$105 – Medico

$106 – Humana

$106 – Cigna

$107 – American Benefit Life

$107 – New Era Life

$107 – Ace Property And Casualty

$107 – Medical Mutual

$108 – American Home Life

$110 – Elips Life

$116 – United States Fire

$121 – Bankers Fidelity

$122 – Heartland National Life

$127 – Manhattan Life

$128 – Capitol Life

$129 – SBLI USA Life

$132 – Anthem

$192 – GPM Health

$221 – Guarantee Trust Life

$241 – Assured Life

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan B

$114 – AARP-UnitedHealthcare

$121 – Continental Life

$132 – United States Fire

$262 – Assured Life

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan C

$134 – Paramount

$137 – New Era Life

$145 – AARP-UnitedHealthcare

$161 – Heartland National Life

$173 – Medical Mutual

$245 – United American

$269 – GPM Health

$358 – Assured Life

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan F

$99 – SBLI USA Life

$109 – Ace Property And Casualty

$106 – Allstate

$109 – Medico

$112 – Elips Life

$112 – United States Fire

$117 – Manhattan Lie

$119 – Accendo

$119 – Mutual Of Omaha

$120 – Central States

$120 – Great Southern Life

$128 – New Era Life

$129 – Capitol Life

$133 – Union Security

$141 – Cigna

$142 – AARP-UnitedHealthcare

$146 – Bankers Fidelity

$152 – Humana

$158 – GPM Health

$159 – Assured Life

$166 – Anthem BCBS

$167 – Guarantee Trust Life

$172 – Aetna

$192 – GPM Health

$212 – United American

$216 – Oxford Life

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan F (High Deductible)

$29 – United American

$29 – New Era Life

$31 – Great Southern Life

$33 – Allstate

$34 – Medico

$35 – Bankers Fidelity

$45 – Aetna

$46 – Humana

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan G

$87 – Allstate

$90 – Ace Property And Casualty

$92 – AARP-UnitedHealthcare

$93 – Mutual Of Omaha

$93 – Medico

$94 – Accendo

$95 – American Home Life

$95 – SBLI USA Life

$95 – Elips Life

$96 – United States Fire

$99 – New Era Life

$102 – Manhattan Life

$104 – United Security

$106 – Capitol Life

$106 – Cigna

$109 – Great Southern Life

$112 – Anthem

$115 – Assured Life

$117 – Aetna

$127 – Humana

$135 – GPM Health

$164 – Guarantee Trust Life

$135 – Oxford Life

$139 – GPM Health

$149 – Guarantee Trust Life

$185 – United American

$194 – Heartland National Life

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan G (High Deductible)

$29 – New Era Life

$29 – United American

$32 – Medico

$33 – Bankers Fidelity

$33 – Mutual Of Omaha

$34 – United States Fire

$36 – Ace Property And Casualty

$38 – Elips Life

$45 – Humana

 

Age 65 Non-Smoker Marion, Hancock, Shelby, Johnson, Morgan, Boone, and Hamilton Counties Plan N

$69 – Ace Property And Casualty

$69 – Mutual Of Omaha

$70 – Allstate

$72 – Medico

$74 – AARP-UnitedHealthcare

$76 – SBLI USA Life

$76 – Cigna

$79 – American Home Life

$80 – American Benefit Life

$82 – AFLAC

$84 – Cigna

$85 – United States Fire

$85 – Bankers Fidelity

$85 – Manhattan Life

$86 – Capitol Life

$87 – New Era Life

$87 – Humana

$88 – Elips Life

$89 – Union Security

$97 – GPM Health

$99 – Assured Life

$113 – Aetna

$114 – Anthem

$139 – Heartland National Life

$140 – Guarantee Trust Life

$164 – United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan A

$80 – AARP-UnitedHealthcare

$91 – Allstate

$97 – Ace Property And Casualty

$97 – Mutual Of Omaha

$100 – New Era Life

$104 – Humana

$106 – United American

$107 – SBLI USA Life

$109 – Medico

$119 – American Benefit Life

$124 – Elips Life

$125 – Cigna

$129 – Humana

$130 – United States Fire

$133 – American Home Life

$138 – AFLAC

$140 – Aetna

$142 – Union Security

$145 – Manhattan Life

$145 – Capitol Life

$150 – Bankers Fidelity

$152 – Assured Life

$162 – GPM Health

$168 – Anthem

$171 – Guarantee Trust Life

$175 – Heartland National

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan B

$147 – United States Fire

$148 – Aetna

$189 – United American

$333 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan C

$117 – New Era Life

$162 – AARP-UnitedHealthcare

$223 – United American

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F

$112 – SBLI USA Life

$119 – Medico

$120 – New Era Life

$126 – Accendo

$132 – Elips LIfe

$135 – United States Fire

$137 – Central States

$138 – Great Southern Life

$140 – AARP-UnitedHealthcare

$142 – Humana

$146 – National Health

$149 – Capitol Life

$153 – Manhattan Life

$157 – Bankers Fidelity

$161 – Cigna

$177 – United World Life

$181 – Guarantee Trust Life

$184 – Aetna

$192 – GPM Health

$164 – Sentinel Security

$202 – Anthem BCBS

$204 – United American

$216 – Oxford Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan F (High Deducible)

$29 – United American

$29 – New Era Life

$36 – Medico

$38 – Great Southern Life

$42 – Bankers Fidelity

$43 – United World Life

$44 – National Health

$46 – Humana

$53 – Aetna

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan G

$93 – New Era Life

$97 – AARP-UnitedHealthcare

$98 – Medico

$103 – SBLI USA Life

$109 – Accendo

$111 – Elips Life

$112 – United States Fire

$116 – National Health

$119 – Great Southern Life

$120 – Capitol Life

$121 – Cigna

$123 – United World Life

$123 – Manhattan Life

$126 – Humana

$129 – Union Security

$129 – Sentinel Security

$134 – Bankers Fidelity

$136 – Aetna

$139 – GPM Health

$141 – Assured Life

$142 – Oxford Health

$144 – Anthem BCBS

$149 – Guarantee Trust Life

$185 – United American

$224 – Heartland National Life

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan G (High Deductible)

$29 – New Era Life

$29 – United American

$34 – Medico

$37 – United World Life

$39 – Bankers Fidelity

$40 – United States Fire

$44 – Elips Life

$45 – Humana

 

Age 65 Non-Smoker Lake, Newton, Jasper, Pulaski, Starke, LaPorte, and Porter Counties Plan N

$73 – New Era Life

$75 – SBLI USA Life

$76 – Medico

$82 – Accendo

$84 – National Health

$86 – Elips Life

$87 – Cigna

$87 – United States Fire

$89 – Capitol Life

$89 – Bankers Fidelity

$90 – AARP- UnitedHealthcare

$91 – Great Southern Life

$92 – GPM Health

$93 – Assured Life

$94 – Humana

$95 – United World Life

$97 – Central States

$97 – Union Security

$111 – Sentinel Security

$117 – Guarantee Trust Life

$131 – Aetna

$147 – Anthem BCBS

$155 – Oxford Life

$161 – Heartland National Life

$164 – United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan A

$72 – AARP-UnitedHealthcare

$85 – Accendo

$85 – New Era Life

$87 – Cigna

$88 – Humana

$90 – SBLI US Life

$91 – United States Fire

$92 – Elips Life

$95 – Capitol Life

$96 – Great Southern Life

$101 – United World Life

$102 – Manhattan Life

$104 – Union Security

$106 – United American

$109 – Assured Life

$110 – Central States

$111 – Aetna

$111 – Bankers Fidelity

$113 – GPM Health

$132 – Guarantee Trust Life

$140 – Heartland National

$141 – Medico

$144 – Anthem

$152 – Sentinel Security

$162 – Oxford Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan B

$119 – AARP-UnitedHealthcare

$131 – United States Fire

$136 – Aetna

$180 – United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan C

$111 – New Era Life

$151 – AARP-UnitedHealthcare

$213 – United American

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F

$110 – National Health

$112 – SBLI USA Life

$119 – Medico

$120 – New Era Life

$134 – Elips Life

$135 – United States Fire

$137 – Mutual Of Omaha

$138 – Great Southern Life

$138 – Accendo

$144 – Central States

$152 – Humana

$152 – AARP-UnitedHealthcare

$153 – Manhattan Life

$160 – Capitol Life

$172 – Cigna

$173 – Bankers Fidelity

$181 – Guarantee Trust Life

$192 – GPM Health

$194 – Assured Life

$200 – Aetna

$202 – Anthen BCBS

$212 – United World Life

$227 – Oxford Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan F (High Deductible)

$29 – New Era Life

$33 – Great Southern Life

$34 – United World Life

$35 – Medico

$45 – Aetna

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan G

$91 – Manhattan Life

$92 – Capitol Life

$93 – Lumico Life

$93 – New Era Life

$94 – Union Security

$95 – AARP-UnitedHealthcare

$96 – Great Southern Life

$98 – United World Life

$99 – Cigna

$100 – Aetna

$101 – Assured Life

$106 – Anthem

$115 – Oxford Life

$125 – Medico

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan G (High Deductible)

$29 – New Era Life

$32 – United World Life

 

Age 65 Non-Smoker Allen, Noble, DeKalb, Steuben, Huntington, Wells, Whitley, Kosciusko, and Lagrange Counties Plan N

$69 – Accendo

$70 – Capitol Life

$71 – Union Security

$71 – Cigna

$72 – Manhattan Life

$73 – United States Fire

$73 – New Era Life

$76 – Assured Life

$77 – Great Southern Life

$78 – Thrivent

$78 – Humana

$79 – Great Southern Life

$89 – AARP-UnitedHealthcare

$97 – Medico

$111 – Anthem BCBS

$126 – Oxford Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan B

$99 – Aetna

$105 – United States Fire

$108 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan C

$111 – New Era Life

$137 – AARP-UnitedHealthcare

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan F (High Deductible)

$29 – New Era Life

$29 – United American

$34 – United World Life

$37 – National Health

$45 – Aetna

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Starke, Marshall, Kosciusko, and Noble Counties Plan F

$106 – Accendo

$108 – Central States

$110 – Manhattan Life

$115 – Capitol Life

$117 – Humana

$119 – Lumico Life

$120 – New Era Life

$124 – National Health

$129 – Guarantee Trust Life

$131 – Cigna

$132 – Assured Life

$138 – AARP-UnitedHealthcare

$139 – United World Life

$139 – Anthem

$146 – Aetna

$175 – Oxford Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan G (High Deductible)

$29 – New Era Life

$29 – United American

$32 – United World Life

$39 – Humana

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusco, Starke, Marshall, and Noble Counties Plan G

$87 – Lumico Life

$92 – Accendo

$92 – Great Southern Life

$92 – Western United Life

$93 – New Era Life

$94 – Union Security

$95 – AARP-UnitedHealthcare

$98 – United World Life

$98 – CSI Life

$99 – Humana

$99 – Anthem

$100 – Aetna

$101 – Cigna

$101 – Thrivent

$101 – Assured Life

$113 – Medico

$115 – Oxford Life

 

Age 65 Non-Smoker St. Joseph, Wabash, Huntington, Elkhart, Kosciusko, Starke, Marshall, and Noble Counties Plan N

$70 – Accendo

$70 – Capitol Life

$71 – Union Security

$71 – Cigna

$72 – Manhattan Life

$73 – United States Fire

$73 – New Era Life

$76 – Assured Life

$76 – Lumico Life

$76 – Central States

$77 – Great Southern Life

$79 – United World Life

$80 – National Life

$82 – Humana

$89 – AARP-UnitedHealthcare

$97 – Medico

$103 – Anthem BCBS

$104 – Aetna

$126 – Oxford Life

$157 – United American

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan B

$105 – United States Fire

$107 – Aetna

$108 – AARP-UnitedHealthcare

$173 – United American

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan C

$111 – New Era Life

$137 – AARP-UnitedHealthcare

$204 – United American

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan F

$108 – Central States

$109 – Accendo

$110 – Manhattan Life

$112 – united States Fire

$114 – Great Southern Life

$115 – Capitol Life

$119 – Lumico Life

$120 – New Era Life

$123 – Union Security

$123 – Humana

$124 – National Health

$131 – Great Southern Life

$131 – Cigna

$132 – Assured Life

$138 – AARP-UnitedHealthcare

$139 – United World Life

$137 – Anthem BCBS

$158 – Aetna

$165 – Medico

$175 – Oxford Life

$204 – United American

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan F (High Deductible)

$29 – New Era Life

$29 – United American

$33 – Great Southern Life

$34 – United World Life

$35 – Medico

$37 – National Health

$45 – Aetna

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan G

$90 – United States Fire

$91 – Manhattan Life

$92 – Capitol Life

$93 – Lumico Life

$93 – New Era Life

$94 – Accendo

$94 – Union Security

$95 – AARP-UnitedHealthcare

$96 – Great Southern Life

$98 – United World Life

$99 – Cigna

$99 – National Health

$99 – GPM Health

$101 – Assured Life

$105 – Humana

$108 – Aetna

$112 – Anthem BCBS

$115 – Oxford Life

$125 – Medico

$178 – United American

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan G (High Deductible)

$29 – New Era Life

$29 – United American

$32 – United World Life

$34 – United States Fire

$39 – Humana

 

Age 65 Non-Smoker Vanderburgh, Gibson, Spencer, Warrick, Pike, Martin, Dubois, Spencer, Perry, Knox, Dubois, and Posey Counties Plan N

$70 – Accendo

$70 – Capitol Life

$71 – Union Security

$71 – Cigna

$72 – Manhattan Life

$73 – United States Fire

$73 – New Era Life

$76 – Assured Life

$76 – Central States

$76 – Lumico Life

$77 – Great Southern Life

$79 – GPM Health

$80 – National Health

$81 – Central States

$82 – United World Life

$82 – Humana

$90 – AARP-UnitedHealthcare

$92 – Bankers Fidelity

$94 – Sentinel Security

$97 – Medico

$104 – Aetna

$111 – Anthem BCBS

$132 – Oxford Life

Note: “Rate Watch” is an online service that allows consumers to view recent price increase and decrease requests submitted by their insurer. Medicare Supplement, Health, and Long-Term Care coverage can be accessed. Vision and dental coverage is also included in the database. Information provided with each search includes date submitted, insurance company, filing number, filing status, impacted form numbers, average rate change requested, and average rate change approved. Compliance and proper business practices are reviewed when a filing is submitted.

Generally, most (or all) of the requested price increase or decrease is granted. Comments may be submitted.  Several date ranges may be chosen. However, choosing current dates may result in an incomplete result since a ruling may not have been made by the DOI. Information can also be viewed by visiting the DOI downtown Indianapolis office. The database tracks price changes for the last nine years. Reports can also be printed or downloaded. Both the requested and granted increases or decreases are shown. Each year, the database is updated.

Is Coverage Available If You Are Disabled?

Although several carriers may offer plan options to applicants under age 65, it is not a requirement that Medigap coverage must be made available, even during the Open Enrollment period which begins in October. There also is not a separate OE period specifically for persons that are disabled. Many plans are offered throughout the year to applicants under age 65 (non-Obamacare options). Ambetter and Caresource are the two participating carriers.

If you are actively employed, and your place of work has at least 100 employees, generally, you can choose one of the medical plans offered to other employees. Your rate will not be surcharged, no extra waiting period will be imposed, and you can select the same policy coverage that other workers have access to. The same guidelines apply to part-time workers. However, if your place of work employs less than 100 persons, your principal healthcare coverage would be furnished by Medicare.

A Medicare Managed HMO is also an option to consider, since applicants can not be denied because of a disability. Although applications are guaranteed to be approved, unfortunately, most carriers do not offer that type of coverage, so options are often limited. Of course, when you reach age 65, many more options will immediately become available since a new enrollment period is created. Anthem, Cigna, Humana and AARP (UnitedHealthcare) provide Medigap plans, but do not underwrite under-65 private plans.

What Is The State Health Insurance Assistance Program?

SHIP provides free counseling and services to Seniors and is approved by the DOI. Although you can not purchase coverage, you can receive valuable and unbiased information to help you make an informed decision. The Centers of Medicare and Medicaid Services sponsors SHIP and also provides similar services in other states. More than 300 counselors receive comprehensive training before earning their certification, and they can be contacted by phone. Training sessions are offered in Indianapolis, Richmond, Yorktown, Vincennes, Wabash, Danville, Carmel, Bloomington, South Bend, New Albany, Crown Point, Terre Haute, and Lafayette.

Brochures and hard-copy guides can also be provided. Several of their services include:

Discussing beneficiary rights.

Making available speakers for Local Groups.

Help with evaluating Part D prescription drug options.

Discussion of local Agencies and Organizations that can help.

Assisting Medicare claims and appeals.

Providing Medicare Advantage and Long Term Care information.

Helping with the filing of a compensation fund certificate of insurance.

SHIP also offers a volunteering program for interested applicants. Some of the required criteria for interested persons includes completing paperwork, completing a 24-30 hour training program, commit for one year, complete nine (or more) client contact forms each month, not be licensed or affiliated with an insurance agency, and attend scheduled training sessions.