Does Indiana have a birthday rule?

Yes, Indiana officially implemented a Medigap Birthday Rule in 2026. Under state law (HEA 1226), Hoosiers age 65 or older who are already enrolled in a Medicare Supplement plan have a guaranteed right each year to switch to another plan. Your shopping window opens one month before your birthday and closes one month after your birthday (giving you roughly a 60-day annual window). However, you can only make a sideways move. This means that, while you can switch insurance carriers, but you must keep the exact same lettered plan you currently have (e.g., Plan G to another carrier's Plan G). During this window, the new carrier cannot ask health questions, deny you coverage, or penalize you for pre-existing conditions.

What guaranteed issue rights do I have in Indiana?

Indiana grants the standard federal Guaranteed Issue (GI) rights, but the state has also passed massive, consumer-friendly expansions over the last couple of years. Indiana has granted guaranteed issue rights around your birthday (birthday rule): an annual, underwriting-free opportunity to change insurance carriers for your current lettered plan during a 60-day window surrounding your birthday. Indiana has also expanded Under-65 rights. If you qualify for Medicare early due to a disability or End-Stage Renal Disease (ESRD), state law guarantees you a 6-month window to buy a Medigap plan without health questions. Finally, you have a 63-day window to secure a Medigap plan without underwriting if your employer group health plan ends, your Medicare Advantage plan pulls out of your Indiana county, or you move out of your Advantage plan's service network.

What age does Medicare start in Indiana?

For most Indiana residents, Medicare eligibility begins at age 65. Your Initial Enrollment Period is a 7-month window that kicks off three months before your 65th birthday month and wraps up three months after it. However, Medicare can start earlier in Indiana if you are under 65 and qualify via Social Security Disability Insurance (SSDI) after 24 months, or if you have been diagnosed with ALS (Lou Gehrig’s disease) or End-Stage Renal Disease (ESRD).

Can I buy a Medigap plan in Indiana before I turn 65?

Yes, you can! Under Indiana's expanded protections, if you are under 65 and on Medicare due to a disability or ESRD, you are granted a 6-month Medigap Open Enrollment Period starting the month your Medicare Part B becomes active. To keep things affordable, Indiana law mandates that insurers cannot charge you more than the standard age-65 rate for Plans A, B, and D. For any other plan letter (like Plan G or N), carriers cannot charge you more than 200% of the age-65 rate. Also know that if you enroll in a Medigap plan before 65, you will still have your Medigap Open Enrollment period around your 65th birthday to enroll in a new plan at the standard 65 rate.

Do I need prescription drug coverage in Indiana?

Medigap policies in Indiana do not cover retail prescription drugs. Per federal regulations, modern Medicare Supplement plans only cover medical out-of-pocket gaps (like deductibles and the 20% Part B coinsurance), not pharmacy medications. While you aren't legally forced to buy a drug plan, Medicare will permanently penalize you if you don't. If you do not sign up for a standalone Medicare Part D plan—or have creditable drug coverage from a source like VA benefits or a retirement plan—when you first become eligible, Medicare will tack on a lifetime premium penalty when you eventually enroll down the road.

2026 Medigap Plans in Indiana | Costs, Carriers, FAQs

Age	Avg. Monthly Rate
65	$186/mo
70	$211/mo
75	$250/mo
80	$294/mo

CARRIERS

Medicare Supplement Insurance Providers in Indiana