How many Medicare beneficiaries are in Indiana?

Indiana has approximately 1.3M Medicare beneficiaries. Roughly 57% are enrolled in Medicare Advantage plans, with the balance on Original Medicare — often paired with a Medigap plan and a standalone Part D drug plan.

When is Indiana Medicare enrollment?

The Annual Enrollment Period (AEP) runs October 15 through December 7 each year, with changes effective January 1. The Medicare Advantage Open Enrollment Period (MA OEP) runs January 1 through March 31. New-to-Medicare beneficiaries use their 7-month Initial Enrollment Period around their 65th birthday.

Is Medigap available in Indiana?

Yes. Indiana has all federal Medigap letter plans (A, B, D, G, K, L, M, N, and high-deductible G and F for those eligible) available from multiple carriers. Medical underwriting typically applies outside your one-time 6-month Medigap Open Enrollment window, so timing matters.

Indiana · Medicare · 2026 plan year

Indiana Medicare plans for 2026.

Q: What are the top Medicare Advantage carriers in Indiana?

Leading Medicare Advantage carriers in Indiana include Anthem Blue Cross Blue Shield IN, Humana, UnitedHealthcare (AARP), Aetna, MDwise, IU Health. Plan availability and network depth vary by county.

Indiana has approximately 1.3M Medicare beneficiaries — about 57% on Medicare Advantage, the rest on Original Medicare. We compare Medicare Advantage, Medigap, and Part D options from Anthem Blue Cross Blue Shield IN, Humana, UnitedHealthcare (AARP), Aetna, MDwise, IU Health.

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1.3M

Indiana Medicare beneficiaries

~57%

on Medicare Advantage in IN

All 92

Indiana counties served

Carriers pay us — never you

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The core decision

Medicare Advantage vs. Medigap in Indiana

For most Hoosiers, the choice between Medicare Advantage (Part C) and Original Medicare plus a Medigap (Supplement) plan is the biggest decision you'll make.

Medicare Advantage in Indiana

Bundles Part A, Part B, and usually Part D into a private plan. Most Indiana metros offer competitive $0-premium plans with dental, vision, hearing, OTC, and transportation benefits.

Most Indiana MA plans are HMOs with local networks including IU Health, Community Health Network, Franciscan Health, Ascension St. Vincent, Parkview Health, Beacon Health. We verify your doctors before enrolling.

Medigap in Indiana

Pairs with Original Medicare and covers the deductibles, coinsurance, and copays Medicare doesn't pay. Any doctor or hospital nationwide that accepts Medicare accepts Medigap — no networks.

Indiana Medigap premiums vary by ZIP and age, and carriers may medically underwrite outside your one-time 6-month Medigap Open Enrollment window.

Carriers

Top Medicare carriers in Indiana

Plan availability and network depth vary by county.

Anthem Blue Cross Blue Shield Indiana

Indiana's Blue plan. Statewide network covering IU Health, Community Health, Franciscan Health, Ascension St. Vincent.

Humana & UnitedHealthcare

Both national carriers compete strongly in Indianapolis, Fort Wayne, Evansville, and South Bend. UnitedHealthcare's AARP Medigap plans widely held in IN.

Aetna & Cigna

Aetna offers competitive $0-premium MA plans in Indianapolis metro. Cigna has growing Medicare Advantage presence in IN.

IU Health Plans

Indiana University Health's insurance arm. Integrated Medicare Advantage tied to IU Health hospital network — appealing if your doctors are at IU Health.

Part D

Part D prescription coverage in Indiana

Under the Inflation Reduction Act, 2026 Part D caps out-of-pocket drug costs at $2,100 per year and eliminates the old "donut hole."

Every Indiana Medicare beneficiary needs prescription drug coverage (or creditable alternative coverage) to avoid the Part D late enrollment penalty. Indiana has dozens of standalone Part D plans plus drug coverage bundled into most MA-PD plans.

Formulary check: The same medication can land in very different tiers across plans. We run your drug list against every Part D plan in your ZIP.
Preferred pharmacy: Many Indiana Part D plans offer lower copays at preferred pharmacies (CVS, Walgreens, Walmart, Kroger, Meijer, Costco). Which pharmacy you prefer can change which plan is cheapest.
Extra Help / LIS: Indiana beneficiaries with limited income may qualify for the Low Income Subsidy that significantly reduces drug costs.

Timing

Medicare enrollment dates for Indiana

Annual Enrollment Period (AEP): October 15 – December 7. Change Medicare Advantage or Part D plans; changes effective January 1.
Medicare Advantage Open Enrollment (MA OEP): January 1 – March 31. One plan change allowed for members already in a Medicare Advantage plan.
Initial Enrollment Period (IEP): 7 months around your 65th birthday — 3 months before, your birthday month, and 3 months after.
Medigap Open Enrollment: 6 months from your Part B effective date — the one-time window when Indiana Medigap carriers cannot deny you or charge more for health reasons.
Special Enrollment Periods: Moving into Indiana, losing employer coverage, qualifying for Extra Help, or moving into or out of a nursing facility may each trigger a SEP.

Common questions

Indiana Medicare FAQ

Are there Indiana-specific Medicare rules?

Medicare is federal, so core rules match nationwide. What varies in Indiana is plan availability, network depth, Medigap pricing, and carrier mix.

Can I switch from Advantage to Medigap later?

Sometimes. Outside your one-time Medigap Open Enrollment window, Indiana Medigap carriers can medically underwrite — which means they can decline you or charge more for health conditions. We walk through your specific options carefully.

What if my doctor is at a different network?

We verify every doctor and hospital you want to keep against each plan's network before recommending anything. Networks like IU Health, Community Health Network, Franciscan Health, Ascension St. Vincent, Parkview Health, Beacon Health are common in Indiana — but specifics vary plan by plan.

What does SilverEdge cost?

Nothing. Medicare carriers pay us a commission when you enroll. We earn the same regardless of which carrier you pick — our job is to find your best Indiana fit.

Coverage

Indiana counties we cover

All 92 Indiana counties. A few of the counties where we have the most active members:

Marion (Indianapolis) Lake (Hammond/Gary) Allen (Fort Wayne) Hamilton St. Joseph (South Bend) Vanderburgh (Evansville) Hendricks Tippecanoe Porter Johnson Madison Elkhart Monroe Howard Clark Vigo Bartholomew Delaware Floyd Hancock + 72 more

★★★★★

$1,560 / yr saved

on Medicare Advantage · Indianapolis, IN

"I needed IU Health in network. SilverEdge found me an IU Health Plans Medicare Advantage plan that kept all my IU specialists AND added vision and dental. $0/month premium."

Tom R.

Network-driven MA switch · Indianapolis, IN

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