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Find Affordable Medigap Plans in Ohio

Best Medicare Supplement Plans in Ohio 2021

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.

What are the Top 5 Medicare Supplement Plans in Ohio?

The best Medicare Supplement plan in Ohio is different for each beneficiary. Here’s a quick look at the top five plans in Ohio to see how they compare.

1. Best coverage: Plan F

  • Plan F covers all copayments, deductibles, and coinsurance, including Medicare Part A deductible and Part B deductible
  • Must have an Original Medicare start date prior to Jan. 1, 2020

2. Best overall coverage: Plan G

  • Most comprehensive coverage for Medicare beneficiaries whose eligibility for Medicare Supplement insurance plans starts after Jan. 1, 2020
  • Covers everything except Part B deductible
  • Plan G offers great value for those also eligible for Medicare Plan F

3. Best value: Plan N

  • Plan N offers lower premiums if willing to trade certain benefits for additional savings
  • Pays Part B coinsurance except for copayments:
    up to $20 for office visit and up to $50 for ER (waived if admitted)
  • Plan N does not cover Part B excess charges or Part B deductible

4. Best deductible based: High Deductible Plan F

  • Benefits same as Plan F but requires annual deductible before coverage kicks in
  • Significantly cheaper than original Plan F
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

5. Best for lowest rates: High Deductible Plan G

  • Same benefits as Plan G but requires annual deductible before coverage starts
  • Cheaper than Plan G
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

What is the Best Supplemental Insurance to go with Medicare?

  • 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 that has 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.

What is the Average Cost for a Medicare Supplement Plan in Ohio for 2021?

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 F: $122.85-$151
  • Plan G: $93.70-$144.97
  • Plan N: $81.01-$120.62

Common Ohio Medicare Supplement Plan Questions

What Companies Sell Medigap Plans 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:

  • Aetna
  • Mutual of Omaha
  • Cigna

When Can I Apply for a Ohio 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 both 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.

Which is better, Medigap Plan G or Plan N?

Both Plan G and Medicare Plan N offer good coverage. Plan G has slightly higher premiums. Plan N has a higher cost-share. Here’s how they compare.
What they cover:

  • Part A coinsurance
  • Part A deductible
  • Hospital costs
  • First three pints of blood
  • Part A hospice care copay or coinsurance
  • Skilled nursing facility coinsurance
  • Foreign travel emergency

How they differ:

  • Medicare Plan G pays all Part B coinsurance. Plan N has copays for office and emergency room visits, then picks up the remaining Part B coinsurance.
  • Plan G covers excess charges. Plan N does not. However, in Ohio, doctors aren’t allowed to apply the Part B excess charges.

What is Medicare Supplement Insurance?

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

  • Original Medicare (Medicare Part A and Medicare Part B)
  • Medicare Advantage

Original Medicare pays 80% of approved expenses. You pay the remaining 20%. Depending on which plan you buy, 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 insurance plans in Ohio do not cover the following:

  • Prescription drug coverage
  • Vision
  • Dental
  • Hearing

To get drug coverage, you must buy a separate Prescription Drug Plan.

Is Plan G the Best Medigap Plan in Ohio?

How Much Does Plan G Cost 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)

What is the Plan G Deductible in 2021?

Plan G does not have a deductible. However, you have to pay your Medicare Part B deductible, which is $203 for 2021.

What does Medigap Plan G Cover in Ohio?

Related Topics

Plan G by State

Ready to Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Ohio Medicare Resources

Ohio Enrollment Statistics

  • There are about 1.3 million Ohio residents 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 that 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 2021.
  • There are 10 Medicare Supplement Plans in Ohio to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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