Medicare Supplement

Turning 65 in Fort Wayne? The Medigap Rules for 2026

FORT WAYNE, Ind. — If you carry a Medigap policy in Allen County, or you are shopping for one as you turn 65, a handful of quiet but real changes shape what you can buy and what you will pay in 2026. None of them rewrite the program, but each one affects a different group of shoppers, and rate-filing season is the moment to pay attention.

Medicare SupplementFort Wayne, IN

The plan-letter rule that still trips people up

Medigap policies are standardized by letter. In Indiana, people newly eligible for Medicare today can choose from Plans A, B, D, G, G-HD, K, L, M, and N. Plans C and F are only sold to people who were eligible for Medicare before January 1, 2020, because federal law closed those two letters to newcomers.

That rule has not changed for 2026, but it still surprises Fort Wayne readers who see a spouse or neighbor on Plan F and assume it is on the menu. If you became Medicare-eligible in 2020 or later, it is not. Plan G is the closest match in structure, and Plan N is the other letter most shoppers compare it against.

Why the January 1 reset matters for Plans G and N

Plans G and N are designed around the Part B deductible. You pay that deductible once each calendar year, and then the Medigap policy takes over most of the remaining Part B coinsurance.

That deductible resets every January 1. CMS sets the 2026 figure and posts it at medicare.gov before the new year. If you are comparing a Plan G quote to a Plan N quote, or weighing a high-deductible Plan G (G-HD), the current-year deductible is the number to plug in — not last year's. We are not listing a dollar amount here because the official 2026 figure is the one you should use.

Rate-adjustment season: how to check what your premium is doing

Unlike Medicare Advantage and Part D, Medigap premiums are not reset by CMS each fall. Insurers file rate changes with the Indiana Department of Insurance throughout the year. That means your renewal notice can arrive at almost any time, and the increase (or decrease) is specific to your carrier, your plan letter, your age, and how your policy is rated.

A few practical steps for Fort Wayne readers:

• Read the renewal letter your insurer sends before your policy anniversary. It will state the new premium.
• If the change looks steep, call the carrier and ask whether the increase is an age-based step, a trend adjustment, or both.
• You can also check filings through the Indiana Department of Insurance, and SHIP counselors (Indiana's State Health Insurance Assistance Program) can walk you through what you are seeing.
• Remember that switching Medigap plans after your initial open enrollment window usually requires medical underwriting in Indiana, so a lower quote is not automatically a policy you can move to.

Who sells Medigap in Indiana in 2026

The insurer list for Indiana is long, and the plan letters each company offers vary. Familiar names include Anthem Blue Cross and Blue Shield - Indiana, AARP - UnitedHealthcare Insurance Company, Aetna Health and Life Insurance Company, Humana (Humana Benefit Plan of Illinois, Inc.), Mutual of Omaha (Mutual of Omaha Insurance Company), State Farm Mutual Automobile Insurance Company, and USAA Life Insurance Company. Smaller and regional carriers such as Pekin Life Insurance Company, Erie Family Life Insurance Company, Everence Association Inc., WoodmenLife, and Farm Bureau Health Plans - Members Health Insurance Company also participate.

Rather than list every combination here, the table below lists every insurer and the plan letters each one is offering to Indiana residents. Use it as your starting point, then get quotes directly from the carriers you want to compare.

What did not change for 2026

A few things worth repeating because they cause a lot of confusion:

• Medigap is still separate from Medicare Advantage. You cannot use a Medigap policy with an Advantage plan.
• Medigap does not include drug coverage. If you want prescription coverage, you pair Medigap with a stand-alone Part D plan. The 2026 Part D out-of-pocket cap is $2,100, the maximum Part D deductible is $615, and the Medicare Prescription Payment Plan is available if you want to spread drug costs across the year.
• The Annual Enrollment Period (October 15 – December 7) and Medicare Advantage Open Enrollment (January 1 – March 31) apply to Advantage and Part D — not Medigap. Medigap has its own six-month open enrollment window that starts when you are 65 and enrolled in Part B.