Best Medicare Advantage Plans in Indiana (2027)

MyTruAdvantage keeps a bad year’s costs lower than any other Indiana carrier we rated, as long as you live in one of its 34 counties. Even its highest out-of-pocket limit, $5,500, is below the $6,750 state median. The MyTruAdvantage Select (HMO), which keeps you in its network except in emergencies, caps costs at $3,900, Indiana’s lowest.

All four plans include dental and charge no premium. Every plan holds 3.5 CMS stars, below the 4-star median of Aetna Medicare, Humana and Essence Healthcare. Members still rate MyTruAdvantage 88 out of 100 in CAHPS satisfaction surveys, the highest of any rated carrier.

Hearing aids carry a $399 to $899 copay per aid, with no allowance.

Aetna Medicare offers 4-star quality without Indiana’s highest cost ceilings, provided you choose a PPO. All eight Aetna PPOs hold a 4-star CMS rating and cover out-of-network doctors at a higher cost. Its two HMO-POS plans, which cover only some out-of-network care, drop to 3.5 stars.

Every plan includes hearing coverage, and Aetna’s median hospital copay of $325 a day is the lowest among rated carriers, which counts most if you expect a hospital stay.

Check dental before enrolling. Four of its 10 plans have none, including both HMO-POS options. The Aetna Medicare Eagle (PPO) has the strongest dental coverage among its plans, a $3,750 maximum, across 44 counties.

Anthem Blue Cross and Blue Shield sells plans in all 92 Indiana counties, so it’s an option wherever you live in the state. Every plan includes a hearing aid allowance, and its $2,000 median ties Anthem HealthKeepers for the largest among rated carriers.

Within Anthem’s lineup, the plan you pick sets your costs. The Anthem Medicare Advantage 6 (HMO-POS) caps out-of-pocket costs at $4,450 in 66 counties. The Anthem Medicare Advantage (Regional PPO) charges $28 a month and has a $9,250 out-of-pocket limit. Its PPO plans hold 3.5 CMS stars.

Within a smaller area, Zing Health gives you more extra benefits than any other carrier we rated. All three plans include dental, vision and a $1,500 hearing aid allowance at no premium. They sell in 13 counties, most in central Indiana, plus Lake and Porter.

Zing’s plans differ most on specialist costs. The Zing Select Care IN (HMO), sold in all 13 counties, charges $50 a visit. The Zing Elite Select IL-IN (HMO) charges $20 and adds a $752 yearly over-the-counter allowance, but only in two counties. If you see specialists often, check whether Elite Select reaches you. Every plan holds 3.5 CMS stars.

Humana is the best Indiana choice when 4-star quality matters most and smaller carriers don’t serve your county. It sells in all 92 counties, holds a 4-star median CMS rating, and four of its plans reach 4.5 stars, including the statewide Humana USAA Honor Giveback H7617-073 (PPO).

With 23 plans and a median of 12 per county, Humana also gives you the most to compare, and its limits vary widely. The Humana Gold Plus H5619-189 (HMO-POS) caps costs at $4,350 in 54 counties, while five plans allow up to $9,850. Compare limits before choosing a Humana plan.

Humana members pay a copay for each hearing aid, with no plan allowance.

Essence Healthcare’s two plans both hold 4 CMS stars and charge no premium, but they suit opposite needs. The Essence Advantage (HMO) has a $5,400 out-of-pocket limit, a $2,400 dental maximum and a $1,000 hearing aid allowance, provided you stay in network.

The Essence Advantage Choice (PPO) covers out-of-network providers but raises the limit to $9,850, cuts dental to $475 and drops hearing coverage. Unless you need doctors outside the network, the HMO gives you more for the same $0 premium. Both plans are sold only in nine southern Indiana counties, including Clark, Floyd and Harrison.

Anthem HealthKeepers sells only HMO-POS plans in Indiana. These plans use a provider network but cover some out-of-network services at a higher cost. Its five plans reach all 92 counties. Every plan includes dental, and four add a $2,000 hearing aid allowance, tied for the largest among rated carriers.

Those benefits come with a 3-star CMS rating on every plan, the second-lowest we found. Out-of-pocket limits range from $4,900 to $9,850, and the Anthem Medicare Advantage 3 (HMO-POS) charges $12 a month. If you want out-of-network access with a 4-star rating, Aetna Medicare and Humana PPOs fit better.

UnitedHealthcare, which sells plans under the AARP Medicare Advantage name, fits best if you rarely see specialists or stay in the hospital. Its $50 median specialist copay and $550 median daily hospital copay are the highest among rated carriers, so frequent care adds up faster here.

Its eight PPOs hold a 4-star CMS rating, and two of them, AARP Medicare Advantage from UHC IN-0001 and IN-001P, cap costs at $4,450. Fifteen of its 16 plans include a hearing aid allowance. Seven have no dental, and the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) excludes Part D drug coverage.

Wellcare reaches every Indiana county except Vermillion and Vigo, and all three of its plans include dental, vision and hearing at no premium. The Wellcare Simple (HMO-POS) has the lowest out-of-pocket limit of the three, $5,900, plus $2,000 for dental. 
Those benefits come with the lowest quality ratings among rated carriers, with 2.5 CMS stars on its PPOs and 3 on its HMO-POS. Skip the Wellcare Giveback Open (PPO) unless you rarely need care, since its limit reaches $9,850.