Best Medicare Supplement Plans in Ohio

In Ohio, there are ten Medigap plans to compare. They all provide certain basic benefits but may vary in the coinsurance, deductibles, and copayments they help cover. Each standardized Medigap plan in Ohio will have the same coverage from any Medicare insurance company. Original Medicare pays 80% of approved expenses. You pay the remaining 20%. Depending on your plan, a Medicare Supplement plan in Ohio covers all or part of that 20%.

Of the ten plans, we found Medicare Supplement Plan G to be the best Medigap plan in Ohio. It offers affordable rates and the most comprehensive coverage. The best rates on Plan G in Ohio came in at $105.00 per month with Aetna.

We also found Medicare Supplement Plan N as the second best option with an average monthly rate of $81.00 from Mutual of Omaha. Plan N will require a copay of $20 for office visits and a $50 copay for ER visits; these two features are the main reason the monthly rates are slightly better than Plan G.

Medicare Supplement Plan options in Ohio

The best Medicare Supplement plan in Ohio is different for each beneficiary.

Here’s a quick look at the top four plans to see how they compare.

Medicare Supplement Plan G

  • Medigap Plan G in Ohio is a choice that offers almost as much as Plan F, but that will help you save money on monthly premiums.
  • Does NOT cover Medicare Part B deductible
  • Plan G offers great value for those also eligible for Medicare Plan F

Medicare Supplement Plan N

  • The third most popular Supplemental health insurance plan for beneficiaries in Ohio is Medigap Plan N. This is usually a good choice for beneficiaries who want more than what Plan A offers but don’t want to pay the higher rates for Plan G or Plan F.
  • Does NOT cover Part B Deductible
  • Does NOT cover Medicare Part B excess charges
  • Requires a $20 copay for office visits
  • Requires a $50 copay for emergency room visits

High Deductible Plan G

  • Same benefits as Plan G but requires an annual deductible before coverage starts.
  • High Deductible Plan G is generally Cheaper than a normal Plan G
  • In 2023, the deductible is $2,700. Once you satisfy this deductible, the plan will cover 100% of the costs.

Medicare Supplement Plan F

Medicare Plan F Coverage includes:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted.
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Top Rated Medicare Supplement Insurance Companies in Ohio

More than 50 private health insurance companies offer Medigap policies in Ohio. Ohio does not require insurers to cover individuals under 65 with Medicare benefits due to a disability. Because they have an excellent record of stability, ratings, and reasonable monthly premiums, these companies cover the majority of enrollees:

What Does Medicare Supplement Insurance Cost in Ohio?

Medicare Supplement Plans in Ohio cost an average of $126.56 per month, but rates can vary depending on the plan and benefits.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

Choosing a Medicare Supplement Plan in Ohio

  • Most popular: Plan F has the most enrollees, but Plan G is the most popular in terms of selling new Medigap policies.
  • Best benefits: Plan F, but it’s only available for those eligible for Medicare before Jan. 1, 2020. Plan G

has the best benefits for those eligible after Jan. 1, 2020. Choosing the Best Medigap Plan

  • Choosing the best Medicare Supplement insurance plan in Ohio can be confusing. Our licensed insurance agents can help you sort through the plan options. In general, here’s what you need to consider:
  • Budget: If you have frequent doctor visits, a plan that covers all of your Part B coinsurance might be cheaper long-term than a plan with office visit copays.
  • Health condition: If you’re healthy with no pre-existing conditions, a plan with a high deductible might be the best option in return for premium savings.

Frequently asked questions:

When Can I Enroll in a Medicare Supplement Plan?

There is no annual election period for Medigap plans, only for Medicare Advantage and Part D plans. Medigap eligibility starts when you’re 65 and enrolled in Part B Medicare.

Once you’re eligible, you have a six-month Medigap Open Enrollment Period. During open enrollment, you have guaranteed issue rights:

  • Insurers can’t deny coverage
  • Medical underwriting isn’t required
  • An insurance company can’t charge more based on health history.

You also have guaranteed rights when:

  • Your group coverage ends
  • Your carrier discontinues your plan
  • You have Medicare Advantage or Medicare Select, and you move out of the service area

Our licensed agents can determine if you qualify for special guaranteed rights.

Is Plan G offered in Ohio?

Yes, Plan G is available in Ohio. Premiums for Plan G vary based on location, tobacco use, and age. Here’s a cost comparison for a 65-year-old female who does not smoke:

  • Zip code 43050: $113.85 average (range $93.70-$144.97)
  • Zip code 44124: $124.25 average (range $106.03-$152.45)

Ohio Medicare Resources

Ready to Learn More?

We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers. Compare our list of the 10 Best Medigap Insurance Carriers or take a deeper look at the plans by reviewing our Medigap Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.