Medicare Advantage HMO plans in Indiana
There are 60 Medicare Advantage HMO plans in Indiana from 12 carriers, averaging 3.45 out of 5 stars across the 42 plans CMS has rated. 70% of those with a published premium charge $0 a month (42 of 60); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 60 HMO plans in Indiana that publish one, the in-network out-of-pocket maximum has a median of $7,150 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,285, which sits above the median — the spread is not symmetric, so the median is the better guide.
HMO plans in Indiana rate below the national average.
The 42 rated HMO plans here average 3.45 stars against a national median of 3.75. That is a reason to compare carefully rather than to rule the state out — 6 plans here still rate 4 stars or better, and the rating describes the contract, not any one plan's benefits.
18 of Indiana's HMO plans carry no star rating yet.
CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 18 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in Indiana
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Gold Plus H5619-189 (HMO-POS)Humana | 4★ | $4,350 | $0 |
| Essence Advantage (HMO)Essence Healthcare | 4★ | $5,400 | $0 |
| Humana Gold Plus H5619-051 (HMO-POS)Humana | 4★ | $5,900 | $0 |
| Humana Gold Plus H5619-188 (HMO)Humana | 4★ | $6,700 | $0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · Chronic or Disabling Condition SNP | 4★ | $9,150 | $0 |
Showing 5 of 60. See all IndianaMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 12 | — | 4 |
| Anthem HealthKeepersElevance Health, Inc. | 9 | 3.0 | — |
| HumanaHumana Inc. | 9 | 4.0 | 5 |
| UnitedHealthcareUnitedHealth Group, Inc. | 9 | 3.5 | 1 |
| Zing HealthZing Health Consolidator, Inc | 7 | 3.5 | 5 |
| Aetna MedicareCVS Health Corporation | 6 | 3.5 | 4 |
| Provider Partners Health PlansRifkin Managed Care Holding, LLC | 3 | 3.5 | 3 |
| American Health Advantage of IndianaMitchell Family Office | 1 | — | 1 |
| Communicare AdvantageSNP Holdings, LLC | 1 | — | 1 |
| Essence HealthcareLumeris Group Holdings Corporation | 1 | 4.0 | — |
| MyTruAdvantageSIHO Holding, Inc. | 1 | 3.5 | — |
| WellcareCentene Corporation | 1 | 3.0 | — |
How HMO compares
States with similar HMO star ratings
Indiana Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Indiana?
What are the star ratings for Indiana HMO plans?
How many Medicare Advantage HMO plans are available in Indiana?
Do Indiana HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in Indiana?
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