Medicare Supplement Plans in Ohio

For Medicare beneficiaries, Medicare Supplement plans in Ohio are a way to offset some of their out-of-pocket health care expenses. Out-of-pocket costs include coinsurance and deductibles. Medicare Supplemental insurance also offers financial protection if you have an accident or serious illness.

When you sign up for coverage through the federal Medicare program, you can receive benefits in two ways:

Original Medicare pays 80% of approved expenses. You pay the remaining 20%. Depending on your plan, Medicare Supplement plans in Ohio cover all or part of that 20%. Your policy’s effective date is 30 days after you enroll.

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 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

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 $20 copay for office visits
  • Requires $50 copay for emergency room visits

High Deductible Plan G

  • Same benefits as Plan G but requires an annual deductible before coverage starts
  • Cheaper than Plan G
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

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 who have 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:

Medicare Supplement Insurance Cost in Ohio

Premiums for Medigap policies in Ohio depend on the plan and benefits. The average cost for a 65-year-old female nonsmoker in Ohio’s 45720 zip code is $126.56. Here are a few more details.

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 new Medigap policies being sold.
  • 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:

  • Insurer can’t deny coverage
  • Medical underwriting isn’t required
  • 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)

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.

Ohio Medicare Resources

Ohio Enrollment Statistics

  • About 1.3 million Ohio residents are enrolled in Medicare Part A and Part B.
  • Over 430,000 of these Ohio Medicare beneficiaries choose Medicare Supplement plans in Ohio.
  • Out of everybody in the state with Medigap policies, most select Medigap Plan F.
  • The largest Ohio counties by population include Cuyahoga, Franklin, Hamilton, Summit, and Montgomery.
  • Medicare Supplements are not Medicare Advantage plans, such as the HMO plans you might be familiar with. Instead, they are a supplement that goes along with your Original Medicare coverage.

Key Take Aways

  • In Ohio, Medicare Supplement Plan G is the most popular plan for 2022.
  • Over 430,000 Ohio Medicare beneficiaries chose a Medicare Supplement plan.
  • Medicare Supplements are not Medicare Advantage plans, such as the HMO plans that you might be familiar with