Medicare Supplement Insurance
Find the Medigap plan that fits your life — and your budget.
Original Medicare leaves gaps. A Medigap plan fills them in, so you know exactly what you'll pay before you ever see a doctor.
The three plans most Indiana seniors choose
There are ten standardized Medigap plan types, but most people in Indiana end up choosing Plan A, Plan G, or Plan N. Here's what each one covers — and who it's best for.
Plan A
Lowest monthly premiumCore coverage at the lowest premium
Best for
Healthy seniors who want a safety net for hospital costs without paying for coverage they may not use.
What it covers
- Part A coinsurance and hospital costs up to 365 days after Medicare benefits are used
- Part B coinsurance or copayment
- First three pints of blood
- Part A hospice care coinsurance or copayment
Not covered
- Part A deductible ($1,676 in 2025)
- Part B deductible ($257 in 2025)
- Part B excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency
Plan G
Most popular choiceThe most comprehensive coverage available
Best for
Seniors who want maximum peace of mind and predictable out-of-pocket costs after paying the annual Part B deductible.
What it covers
- Part A coinsurance and hospital costs up to 365 days after Medicare benefits are used
- Part B coinsurance or copayment
- First three pints of blood
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B excess charges
- Foreign travel emergency (80% up to plan limits)
Not covered
- Part B deductible ($257 in 2025) — the only out-of-pocket cost
Plan N
Lower premium than Plan GStrong coverage with a lower monthly premium
Best for
Seniors who are comfortable with small copays at office and ER visits in exchange for a meaningfully lower monthly premium.
What it covers
- Part A coinsurance and hospital costs up to 365 days after Medicare benefits are used
- Part B coinsurance or copayment (with copays — see below)
- First three pints of blood
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Foreign travel emergency (80% up to plan limits)
Not covered
- Part B deductible ($257 in 2025)
- Part B excess charges
- Up to $20 copay for some office visits
- Up to $50 copay for ER visits that don't result in admission
Side-by-side coverage comparison
All Medigap plans are federally standardized — the same letter plan covers the same things regardless of which insurance company sells it.
Common questions about Medigap plans
Ready to find the right plan?
Gary will compare rates from multiple top-rated carriers and walk you through every option — at no cost to you. There's no pressure, just clear answers.
Independent broker · No cost to you · Serving central Indiana