Medigap plans are federally standardized, but each state can add more rules if it wants to. These rules can impact your eligibility, application windows, pricing, and plan access.

Below, this Supplemental Medicare agency in Valparaiso, Indiana is going to explain how Indiana’s Medigap laws have recently changed, and how they compare to neighboring states.

Federal laws that every state must follow

Across the country, Medigap Plans A through N have to offer the same benefits, no matter which insurance company you buy from. That means if you look at Plan G from three different companies, the coverage will be the same every time.

If you are 65 or older and you sign up for Medicare Part B, you get a six-month Medigap Open Enrollment Period. During those six months, any company selling Medigap plans in your state has to offer you any plan they sell. They can’t reject your application or charge you more because of your health.

In some special situations, you have guaranteed rights. For example, when you lose your work coverage or leave a Medicare Advantage plan. When you are in one of these situations, the company must cover your pre-existing health conditions immediately. They are not allowed to ask health questions or make you wait. They also can’t charge you more for those reasons.

Once you buy your Medigap plan, you can keep it as long as you keep paying for it. Even if your health changes a lot over time, your coverage will not be discontinued.

The federal law does not require companies to sell Medigap plans to people under 65. So, if you are younger than that and on Medicare because of a disability, you might not be able to get one unless your state has stronger rules.

If these rules sound confusing, you can talk to a Supplemental Medicare agency in Valparaiso, Indiana. They can help explain how the federal laws apply to your situation.

Indiana’s Medigap laws

For a long time, Indiana followed what the federal government required, but not much more. If you were under 65 and got Medicare because of a disability, Indiana only made companies offer you Plan A. And even then, those companies could charge you a lot more than they would charge someone older.

But that changed at the start of 2025.

Indiana passed a new law (Senate Enrolled Act (SEA) 215) that gives younger enrollees more choices. Now, insurance companies have to offer all Medigap plans to people under 65, including people with disabilities.

These people also now get the same six-month enrollment period when they first get Medicare Part B. During that time, companies can’t say no to them or raise the price because of health problems.

The law also sets some rules to provide fair pricing. For example:

• If you are under 65 and want Plans A, B, or D, the company can’t charge you more than what a 65-year-old would pay.
• If you want one of the other Medigap plans, the price can’t be more than double the amount a 65-year-old pays for that same plan.
• Companies are not allowed to make you wait to use the plan. They also can’t refuse to cover a pre-existing condition during that time.

These new rules help people under 65 in Indiana have more access to Medigap plans. And it makes pricing a little fairer as well.

Another change coming soon is Indiana’s new “birthday rule.”

Illinois and Oregon already let people switch their Medigap plans each year around their birthday. They don’t have to go through health checks or worry about getting turned down. Indiana did not have that rule before, but it is adding it now.

Starting January 1, 2026, thanks to a law called House Bill 1226, people in Indiana will be able to change their Medigap plan during a 60-day window that starts on their birthday. They will be allowed to switch to the same plan from another company, or a plan with fewer benefits, without going through medical underwriting.

It can be hard to keep track of all the rules and how they change. On top of that, each insurance company might do things a little differently. A Supplemental Medicare agency in Valparaiso, Indiana can help you sort through your choices and figure out what works best for you.

Looking for a Supplemental Insurance Agency in Valparaiso, Indiana?

Do you want to know how these new rules might affect your eligibility or premiums? If so, and if you are looking for a Supplemental insurance agency in Valparaiso, Indiana, Senior Care Insurance Services is here to help. Contact us today to schedule an appointment with our agents.