Best Medicare Supplement Plans in Ohio

In Ohio, there are ten Medigap plans to compare. Each standardized Medigap plan in Ohio will have the same coverage from any Medicare insurance company. Original Medicare pays 80% of approved expenses. 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 $127 per month with Mutual of Omaha.

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

What Do Medicare Supplement Plans Cover?

Below is a list of the top four plans with coverage highlights:

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 excellent 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.
  • It 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 regular 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

  • Plan F has the most comprehensive benefit level; however, the beneficiary must have a Medicare start date before 1/1/20.

Based on our review of several key factors, Mutual of Omaha is Ohio’s top Medicare Supplement company.

Although Mutual of Omaha Medigap plans may provide some of the most affordable options in Ohio, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.

Mutual of Omaha stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.

This chart compares Mutual of Omaha with other Medicare Supplement companies in Ohio. You’ll find helpful information here, like sample premiums and ratings.

Plan G CostCompanyFinancial Strength
$127Mutual of Omaha A+
65 y/o male, nonsmoker
Plan N CostCompanyFinancial Strength
$92Mutual of OmahaA+
65 y/o male, nonsmoker

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 is 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.

How to Choose a Medigap Plan in Ohio

As you compare plans available in your area, consider these factors:

Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, age, gender, tobacco use, and state of residence.

Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.

Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.

Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.

Frequently Asked Questions:

What Is the Cost of Medicare Supplement Plans in Ohio?

Premiums for Medicare Supplement Plans in Ohio can range from $50-$382 per month. The cost can vary depending on various factors, including the type of plan, the provider offering the program, and the age and health status of the individual.

Who Has the Best Medicare Supplemental Insurance in Ohio?

Aetna, Cigna, and Mutual of Omaha offer a range of Medicare supplement plans that may fit your needs well.

How Much Is Plan G in Ohio?

Plan G in Ohio has an average monthly premium range of $127-$382.

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.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you get the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

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. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.