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. MedMutual's Plan G rate is $97 below the state average, $1,164 less per year. Your only out-of-pocket cost with Plan G is the annual Part B deductible. Plan N charges $20 per doctor visit and $50 per ER visit.
Best Medicare Supplement Plans in Indiana (2026)
Updated: June 9, 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.
Transamerica's Plan G is $176 monthly under Issue Age Pricing. That rate stays fixed after enrollment. Pre-2020 Medicare enrollees can choose Plan F from MedMutual Protect at $162 monthly, $20 more per month than Plan G. Plan F covers the Part B deductible; Plan G doesn't.
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
MedMutual Protect has the best Plan G rate in Indiana at $142 monthly, $97 below the state average. Farm Bureau Insurance and Globe Life follow at $148 and $149 monthly. Plan G is Indiana's most popular Medicare Supplement option, it covers all out-of-pocket costs except the Part B deductible.
| 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 |
Farm Bureau Insurance and MedMutual Protect are separated by only $6 monthly. Seniors who want Plan G without long-term rates should compare Transamerica's $176 monthly rate against its Issue Age structure before committing to MedMutual at $142 or Farm Bureau at $148.
Best Medicare Supplement Plan F in Indiana
MedMutual Protect has Indiana's lowest Plan F rate at $162 monthly, $149 below the state average and $1,788 less per year. Nassau and Atlantic Capital are the next-closest options at $179 and $182 monthly. The $17 monthly gap between MedMutual and Nassau is $204 annually. Seniors who enrolled in Medicare before 2020 can access Plan F's full coverage.
| 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
Farm Bureau Insurance has Indiana's lowest Plan N rate at $97 monthly, $105 below the state average. MedMutual Protect is $7 more per month at $104, and Nassau at $115. Farm Bureau uses Attained Age Pricing, that $97 rate will increase annually. Plan N carries lower premiums than Plan G in exchange for copays: $20 for doctor visits and $50 for emergency room visits.
| 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 |
Rates in this analysis reflect statewide averages for Indiana 65-year-olds. Within Indiana, rates are standardized by carrier, meaning a carrier charges the same premium statewide regardless of whether you live in Indianapolis, Fort Wayne or a rural county. Unlike auto or home insurance, ZIP code doesn't change your Medigap rate with a given carrier. What changes your rate is your age at enrollment, your chosen plan type and which carrier you pick, not where in Indiana you live.
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 has 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
Bottom Line
MedMutual Protect leads Plan G at $142 monthly, $97 below the state average. Plan G covers all costs after the Part B deductible. Farm Bureau Insurance's Plan N is $97 monthly, $84 less per year than MedMutual's. Plan N carries $20 copays for doctor visits. Transamerica's Issue Age Pricing locks its rate at enrollment.
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.
What does Plan G cover in Indiana?
Plan G covers all Medicare out-of-pocket costs except the annual Part B deductible, which is $240 in 2024. That includes the Part A hospital deductible, skilled nursing co-insurance, Part B excess charges and foreign travel emergency coverage up to plan limits. After you pay the Part B deductible once per year, Plan G covers the rest. It's the most comprehensive plan available to Indiana residents who enrolled in Medicare in 2020 or later.
Can I switch Medicare Supplement plans in Indiana after I enroll?
You can apply to switch Medigap plans in Indiana at any time outside open enrollment, but carriers can use medical underwriting, meaning they can charge more or deny coverage based on your health history. The only time you're guaranteed the right to switch without underwriting is during a guaranteed issue period, such as when you lose employer coverage or move out of a Medicare Advantage plan's service area. The six-month open enrollment window starting at 65 is the one period when Indiana carriers must accept you regardless of health conditions.
Which Medicare Supplement plan is best if I have a chronic condition?
Plan G is the strongest fit if you have a chronic condition and see doctors frequently. It removes cost uncertainty by covering all out-of-pocket costs except the Part B deductible, so you pay a fixed monthly premium and the annual deductible, and nothing else regardless of how often you use care. Plan N adds $20 copays for doctor visits and $50 for emergency room visits, which compounds quickly if you see specialists regularly. Plans K and L have cost-sharing features that cap your annual out-of-pocket but leave you exposed to a percentage of costs until you hit that limit.
Our Methodology
MoneyGeek collected Indiana Medicare Supplement rate data for 65-year-olds and 75-year-olds in June 2026 using Medicare.gov's plan browsing tool. We reviewed plans across all 10 standardized Medigap plan types (A through N) and compared rates from every carrier available to Indiana residents. Unless otherwise noted, this article references rates for a 65-year-old nonsmoker at enrollment. Rates vary by age, health status and ZIP code.
We scored Indiana Medigap carriers across three categories to produce a weighted score out of 5:
- Affordability (50%): Monthly premiums compared against the Indiana state average for each plan type. Lower premiums relative to the state average earn higher scores.
- Pricing style (20%): We scored pricing methods on long-term stability: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with a slightly higher current premium can outscore a cheaper attained-age plan because its rate doesn't automatically climb as you age.
- Plan availability (30%): Carriers with more plan types score higher. We weighted the three most-requested plans: G, F and N, more heavily in this category.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Medicare.gov. "Welcome to Medicare." Accessed June 16, 2026.
- CMS.gov. "What are you looking for today?." Accessed June 16, 2026.
- Indiana Department of Insurance. "Medicare Supplement Plans." Accessed June 16, 2026.