MedMutual Protect has Indiana's best rates for Plan G at $142 monthly and Plan F at $162 monthly. Farm Bureau Insurance leads Plan N pricing at $97 monthly. Age, plan selection and insurer pricing methods affect your final cost.
Best Medicare Supplement Plans in Indiana (2026)
Updated: January 26, 2026
Advertising & Editorial Disclosure
Key Takeaways
Farm Bureau Insurance has Indiana's cheapest Plan N while MedMutual Protect offers the lowest G and F rates.
Plans range from $37 to $547 per month in Indiana based on your age and coverage selection.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in Indiana
| United American | A | $121 | $73 | Attained Age Pricing |
| Aetna | B | $207 | $52 | Attained Age Pricing |
| New Era | C | $175 | $124 | Attained Age Pricing |
| Farm Bureau Insurance | D | $153 | $46 | Attained Age Pricing |
| MedMutual Protect | F | $162 | $149 | Attained Age Pricing |
| MedMutual Protect | G | $142 | $97 | Attained Age Pricing |
| Transamerica | K | $83 | $22 | Issue Age Pricing |
| Everence Association Inc. | L | $107 | $60 | Issue Age Pricing |
| New Era | M | $94 | $55 | Attained Age Pricing |
| Farm Bureau Insurance | N | $97 | $105 | Attained Age Pricing |
*Prices are for 65-year-olds.
MedMutual
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.4/5Pricing Style
4/5Plan Availability
Average Plan G Rate
$142Plan Types
A, D, F, G, N
United American
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Pricing Style
5/5Plan Availability
Average Plan G Rate
$236Plan Types
A, B, C, D, F, G, K, L, N
Farm Bureau
MoneyGeek Rating
4.0/ 5
4.9/5Affordability
3.6/5Pricing Style
2.7/5Plan Availability
Average Plan G Rate
$148Plan Types
A, D, G, N
Aetna Medicare
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$215Plan Types
A, B, F, G, N
New Era
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.1/5Pricing Style
3.5/5Availability
Average Plan G Rate
$159Plan Types
A, C, F, G, M, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$176Plan Types
A, B, C, D, F, G, K, L, M, N
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Availability
Average Plan G Rate
$165Plan Types
A, F, G, L, N
Best Medicare Supplement Plan G in Indiana
Plan G is the most popular Medicare Supplement option, covering all out-of-pocket costs except the Part B deductible. MedMutual Protect has the best Medicare Supplement Plan G rates in Indiana at $142 monthly, delivering $97 in savings below the state average. Farm Bureau Insurance and Globe Life follow at $148 and $149 monthly respectively.
| MedMutual Protect | $142 | $97 | $1,704 | $1,161 |
| Farm Bureau Insurance | $148 | $91 | $1,776 | $1,089 |
| Globe Life | $149 | $90 | $1,788 | $1,077 |
| Physicians Select | $149 | $90 | $1,788 | $1,077 |
| Atlantic Capital | $154 | $85 | $1,842 | $1,023 |
| Nassau | $154 | $85 | $1,848 | $1,017 |
| Bankers Life | $159 | $80 | $1,902 | $963 |
Best Medicare Supplement Plan F in Indiana
Seniors eligible for Medicare before 2020 can access Plan F's comprehensive coverage at exceptional rates. MedMutual Protect has the lowest premium in Indiana for Plan F at $162 monthly, saving you $149 below the state average or $1,789 annually. Nassau and Atlantic Capital offer competitive alternatives at $179 and $182 monthly.
| MedMutual Protect | $162 | $149 | $1,944 | $1,789 |
| Nassau | $179 | $132 | $2,148 | $1,585 |
| Atlantic Capital | $182 | $129 | $2,184 | $1,549 |
| Physicians Select | $190 | $122 | $2,274 | $1,459 |
| LifeShield National | $196 | $115 | $2,352 | $1,381 |
| WoodmenLife | $198 | $113 | $2,376 | $1,357 |
| Globe Life | $203 | $108 | $2,436 | $1,297 |
Best Medicare Supplement Plan N in Indiana
Plan N is ideal for budget-conscious seniors, featuring lower premiums and modest copays for doctor visits and emergency care. Farm Bureau Insurance offers Indiana’s lowest Medicare Supplement Plan N rate at just $97 per month, providing savings of $105 below the state average. MedMutual Protect and Nassau follow with rates of $104 and $115 per month, respectively.
| Farm Bureau Insurance | $97 | $105 | $1,164 | $1,266 |
| MedMutual Protect | $104 | $98 | $1,248 | $1,182 |
| Nassau | $115 | $87 | $1,380 | $1,050 |
| LifeShield National | $119 | $83 | $1,428 | $1,002 |
| Atlantic Capital | $119 | $83 | $1,428 | $1,002 |
| Medico Corp | $121 | $81 | $1,452 | $978 |
| WoodmenLife | $122 | $80 | $1,464 | $966 |
Personalized Indiana Medicare Supplement Plan Recommendations
Your age and chosen plan type both influence premium amounts. Apply filters below to see what Indiana insurers charge for your specific situation.
Data filtered by:
A
Select
No
| United American | A | No | 65 | $121 | $0 | Attained Age Pricing |
| Farm Bureau Insurance | A | No | 65 | $127 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $132 | $0 | Attained Age Pricing |
| Everence Association Inc. | A | No | 65 | $134 | $0 | Issue Age Pricing |
| Transamerica | A | No | 65 | $136 | $0 | Issue Age Pricing |
| Physicians Select | A | No | 65 | $137 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $142 | $0 | Attained Age Pricing |
| Bankers Life | A | No | 65 | $144 | $0 | Attained Age Pricing |
| MedMutual Protect | A | No | 65 | $145 | $0 | Attained Age Pricing |
| Atlantic Capital | A | No | 65 | $154 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Indiana
For 65-year-olds in Indiana, Medicare Supplement insurance costs average $212 monthly. Prices range from $105 to $311 across 10 standardized plan types, with Plan K costing least and Plan F costing most.
Popular plans carry these average monthly premiums:
- Plan G: $239 ($2,868 yearly)
- Plan F: $311 ($3,732 yearly)
- Plan N: $202 ($2,424 yearly)
Which provider you pick, what age you enroll and your insurer's rate-setting method (attained age, issue age or community-rated) all modify your final payment.
| A | $194 | $2,328 |
| B | $259 | $3,108 |
| C | $299 | $3,588 |
| D | $199 | $2,388 |
| F | $311 | $3,732 |
| G | $239 | $2,868 |
| K | $105 | $1,260 |
| L | $167 | $2,004 |
| M | $149 | $1,788 |
| N | $202 | $2,424 |
How to Choose the Best Medicare Supplement Plan
Compare Indiana providers once you've selected your plan type. Focus on these critical elements when selecting carriers:
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Indiana Medicare Resources
Indiana residents reviewing Medigap options can access these resources:
- Indiana SHIP: Trained volunteers offer unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage through free, personalized counseling sessions. The Indiana State Health Insurance Assistance Program helps seniors understand Medicare, compare plans and avoid insurance fraud. Visit Indiana SHIP
- Indiana Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the Indiana Department of Insurance
- Indiana Area Agencies on Aging: Serves older adults and their families with Medicare enrollment assistance, benefits counseling and access to local community resources for seniors and caregivers. These agencies provide information and programs specifically designed for aging residents. Find Your Local Agency
- Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov
Medicare Supplement Plans in Indiana: FAQ
Common questions about Indiana Medicare Supplement plans answered below.
When is Medicare Supplement open enrollment in Indiana?
Medicare Supplement open enrollment in Indiana begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Indiana Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Indiana Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.