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HomeMedicare SupplementIndianaMedigap in Indiana for 2027: 29 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Indiana for 2027: 29 Insurers and the Plans They Sell

INDIANAPOLIS — Hoosiers who want predictable out-of-pocket costs on Original Medicare have a wide shelf to shop from heading into 2027. A search of Medicare.gov's Medigap policy finder for ZIP code 46201 returns 29 insurers selling standardized Medicare Supplement plans in Indiana, covering 12 different plan letters across the lineup. The policies themselves are set by federal rules, but the companies, pricing and underwriting are not — which is why comparing is worth the time.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP code 46201 lists 29 insurers selling Medigap in Indiana, across plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • Your strongest window to buy any Medigap plan sold in Indiana without medical underwriting is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
  • 16 Medicare Advantage plans offered somewhere in Indiana in 2026 will not be offered anywhere in the state in 2027, and members of a non-renewing plan get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include drug coverage, so a stand-alone Part D plan is a separate decision during Annual Enrollment 2027, October 15 – December 7, 2026.
Medicare SupplementIndiana
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Indiana
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Indiana?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to pay some of the costs Medicare leaves to you, such as coinsurance. Medicare Advantage (Part C), by contrast, replaces the way you receive your Medicare benefits by bundling them through a private plan, usually with a network and often with drug coverage built in.

You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time. Medigap plans are standardized by letter under federal rules, so Plan G from one insurer covers the same benefits as Plan G from another; what differs is the company behind it, the premium, and how it underwrites applications outside of protected enrollment windows.

Which insurers sell Medigap in Indiana for 2027, and what plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 46201 lists 29 insurers selling Medigap in Indiana. What is actually available to any one person can differ by ZIP code and by age, sex and tobacco use, and plan details come from the Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

The 29 insurers and the plan letters listed for each:

Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

What is the six-month Medigap Open Enrollment Period in Indiana, and why does it matter?

A Hoosier's Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B. During that window, an insurer licensed in Indiana must sell you any Medigap policy it offers, cannot use your health to deny you, and cannot charge more because of a health condition.

That protection is specific to this window. Apply later and, in most situations, an insurer may ask health questions and decide whether to issue the policy and at what price. It is the single most important date on a Medigap shopper's calendar.

What guaranteed-issue rights apply in Indiana if a Medicare Advantage plan leaves?

Federal rules give you a guaranteed-issue right to buy certain Medigap plans in specific situations, including when a Medicare Advantage plan you are enrolled in stops being offered in your area. According to CMS Landscape files, 16 Medicare Advantage plans offered somewhere in Indiana in 2026 will not be offered anywhere in the state in 2027, so members of those plans will have that right.

Other triggers include losing certain kinds of employer or union coverage that worked with Medicare, or moving out of your plan's service area. Which Medigap letters you can buy and the deadline to apply depend on the trigger; the details are explained at medicare.gov and 1-800-MEDICARE.

Does Medigap cover prescriptions in Indiana, or do I need a separate Part D plan for 2027?

Medigap sold today does not include prescription drug coverage, so Hoosiers who want drug coverage pair their Medigap policy with a separate stand-alone Medicare Part D plan. That is a different decision made during Annual Enrollment 2027, which runs October 15 – December 7, 2026, with coverage effective January 1, 2027.

Two Part D numbers are set for 2027: the out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium for 2027 is $41.33, a national figure used to calculate the late-enrollment penalty; the premium you pay is set plan by plan.

How should I compare Medigap policies in Indiana?

Start from the letter, then the company. Because benefits within a letter are standardized by federal law, two Plan G policies cover the same services; the differences are the insurer behind the policy, the premium, how premiums change with age, and whether you are inside a protected enrollment window.

The Medigap policy search at medicare.gov lets you filter by ZIP code and plan letter and shows which insurers file policies in your area. For an exact quote, request it from the insurer or an Indiana-licensed agent, and read the outline of coverage the insurer provides.

Where can Hoosiers get free help with Medigap and Medicare?

Medicare.gov hosts the official Medigap policy search, the Medicare Plan Finder for Part D, and plain-language explanations of enrollment periods, guaranteed-issue rights and standardized plan letters. It is the authoritative starting point.

You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, to ask about Medigap rules, Part D enrollment and the dates that apply to your situation. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which is worth knowing as you plan.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can an insurer in Indiana turn me down for Medigap because of my health?
During your six-month Medigap Open Enrollment Period, which starts when you are 65 or older and enrolled in Part B, an insurer licensed in Indiana must sell you any Medigap policy it offers regardless of health. Outside that window, and outside a federal guaranteed-issue situation, insurers in most cases may use medical underwriting. Medicare.gov and 1-800-MEDICARE have the full rules.
Are Medigap Plans C and F still available to new Hoosiers?
Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. People eligible before that date may still apply where an insurer offers them; the Medigap search at medicare.gov shows which Indiana-licensed insurers file C and F in a given ZIP code.
Does my Medigap policy include drug coverage for 2027?
No. Medigap policies sold today do not include prescription drug coverage, so if you want drug coverage you choose a stand-alone Part D plan separately. Annual Enrollment 2027 runs October 15 – December 7, 2026, with coverage starting January 1, 2027.
What happens if my Medicare Advantage plan in Indiana is not offered in 2027?
If your plan is one of the 16 Medicare Advantage plans offered somewhere in Indiana in 2026 and not offered anywhere in the state in 2027, you have a federal guaranteed-issue right to buy certain Medigap policies. The specific letters you can buy and the deadline to apply are explained at medicare.gov and by calling 1-800-MEDICARE.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search results for ZIP code 46201, including the 29 insurers and the plan letters each files in Indiana.
  • CMS Landscape Source File: the count of Medicare Advantage plans offered in Indiana in 2026 and not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, and federal guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates and the 2027 Part D cap, maximum deductible and base beneficiary premium.
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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