Anthem Medicare Supplement Plan N
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Anthem Indiana - Medicare Supplement Plan N
Plan N is identical to Plan G except there is a $20 copay for office visits and a $50 copay for emergency room visits. Like Plan G, Plan N does not cover the $283 Medicare Part B deductible.
Plan N covers:
- Your $1,786 Part A deductible and coinsurance
- The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
- Your Part B coinsurance and the cost of the first three pints of blood
- 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
- Skilled nursing facility copayment
- Foreign travel emergency care
Plan N does NOT cover:
- Your $283 Medicare Part B deductible
- Part B Medical Excess Charges - charges from your provider that exceed Medicare-approved amounts. Only Plan F, High Deductible Plan F, and Plan G cover these charges. For all other plans, you are responsible for paying excess charges. In no case can a provider charge more than 115% of the Medicare approved amount.
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Value-Added Services Included With Your Anthem Plan N
Anthem Medicare Supplement members get more than gap coverage. Every Anthem Plan N
policy comes bundled with wellness and savings programs at no extra premium.
SilverSneakers Fitness
A gym and fitness membership at no added cost, with access to 16,000+ participating
locations nationwide plus on-demand and live online classes. Provided through Tivity Health.
24/7 NurseLine
Talk to a registered nurse any hour of the day or night to ask health questions
and help decide the right level of care.
ScriptSave WellRx
A prescription savings card that can lower the cost of medications at
participating pharmacies, including drugs outside your Part D plan.
Blue365 Member Discounts
Year-round deals for Blue Cross members on hearing aids, vision wear, fitness gear,
healthy meals, and more from national and local brands.
These value-added programs are not insurance and are not part of the Medicare Supplement
policy. Vendors, offers, and availability can change or be withdrawn at any time.
How Many Hoosiers Choose Anthem for Medicare Supplement
Anthem is one of the largest single Medicare Supplement carriers in Indiana. Based on the
most recent NAIC Medicare Supplement experience data (2024 experience year, the latest
published), Anthem covered 62,894 Indiana Medigap policyholders out of
372,349 statewide. That is about 16.9% of the market, or
roughly one in six Indiana Medicare Supplement policyholders.
of Indiana Medigap policyholders are with Anthem
Indiana residents covered by an Anthem Medicare Supplement plan
Indiana Medigap members choose Anthem over every other carrier
Source: NAIC 2024 Medicare Supplement Insurance Experience Reports. Anthem Insurance
Companies, Inc. (Indiana) direct premium of about $178.5 million within Indiana's $1.01
billion Medigap market (17.7% by premium). Market-share figures for 2026 are not yet
published; 2024 is the most recent official data available.
Anthem Indiana Medicare Supplement Rate History (Past 10 Years)
A big reason to consider Anthem is pricing stability. The only Anthem Medicare Supplement
rate actions on public record with the Indiana Department of Insurance over the past decade,
effective 2017 and 2023, were each approved at 0.0%, meaning no premium
increase for in-force members.
| Effective Year | Approved Rate Change on File | Detail |
|---|---|---|
| 2017 | 0.0% | Standardized and pre-standardized Medigap blocks (SERFF AWLP-130653141) |
| 2018 | No increase filed on record | - |
| 2019 | No increase filed on record | - |
| 2020 | No increase filed on record | - |
| 2021 | No increase filed on record | - |
| 2022 | No increase filed on record | - |
| 2023 | 0.0% | 2010-standardized block, which includes Plan N (SERFF AWLP-133365824) |
| 2024 | No increase filed on record | - |
| 2025 | No increase filed on record | - |
| 2026 | No increase filed on record | - |
Source: Indiana Department of Insurance Rate Watch filing database (in.gov/idoi). Figures
reflect approved individual Medicare Supplement rate changes filed under the Anthem group.
The public Rate Watch file is a current snapshot; a year listed as "no increase filed on
record" means no individual Medigap rate-increase filing was captured for Anthem that year
and does not by itself guarantee an unchanged premium. Confirm your exact current rate with
your licensed agent before enrolling.
Plan N Benefit Summary
| Benefit | What Plan N Covers |
|---|---|
| Part A Deductible You may need this benefit if you have to stay in the hospital. The Part A deductible for 2026 is $1,786 . This amount can change every year. You have to pay this deductible for each benefit period. |
Plan N covers 100% of the $1,786 deductible. |
| Part B Deductible You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $283 in 2026 ) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year. |
Plan N does NOT cover the $283 Part B deductible, you must pay out of pocket. |
| Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible. |
Plan N covers 100% of the 20% remainder costs after a $20 office visit copay and $50 emergency room copay |
| 365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime. |
Plan N covers all of the costs for an additional 365 additional hospital days |
| 3 Pints of Blood The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced. |
Plan N covers all of the costs of 3 pints of blood per calendar year |
| Part B Excess Charges Under federal law, doctors who don't accept "assignment" (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment. |
Plan N covers 100% of the excess charges |
| Foreign Travel Emergency If you travel outside the United States, this benefit could save you money for emergency care. |
Plan N covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000. |
| Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins. |
Plan N covers up to $164.50 per day for days 21-100 and all costs day 101 and after. |
| Home Health Care Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury. |
Plan N covers the 20% remainder not paid by Medicare Part B. |
