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Medicare Supplement Plans in Ohio

Medicare Supplement plans in Ohio help you pay your share of the copayments, deductibles, and coinsurance left over after Original Medicare pays its portion. The following information will help you understand the ins and outs of Medicare Supplement plans in Ohio and how to find the best option at the most favorable rate.

Medicare Supplement Plans in Ohio

Overview of Medicare Supplement Plans in Ohio

Thirty-eight insurance carriers offer Medicare Supplement plans in Ohio. All of Ohio’s 88 counties have options, but the plans available vary by zip code. The Medigap plan names include Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M and Plan N.

Plan F has the most extensive Medicare Supplement plan. Plan G is the second-most comprehensive plan, but you’ll be responsible for your Medicare Part B deductible. With Plan N, you’re responsible for a $20 office copay and a $50 emergency room co-pay when not admitted to the hospital. It may be a good option if you’re healthy and do not have frequent doctor or hospital visits. The out-of-pocket limits under Plans K and L are subject to annual changes by the insurance company.

The benefits of Medicare Supplement plans in Ohio are standard among all of the insurance companies, but the rates will vary between the carriers who provide Medigap plans. As an example, Plan M has the same benefits no matter where you buy it. Remember, none of the Medicare Supplement plans offer coverage for prescription drugs. You have to buy a separate policy to protect yourself against the high cost of prescription medication.

You are eligible to apply for a Medicare Supplement plan in Ohio once you’ve turned 65, are covered under Medicare Part B.   If you have coverage under a Medicare Advantage Plan instead of Original Medicare Part A and Part B, you cannot also apply for Medicare Supplement insurance.

Medicare Supplement Plans in Ohio: Enrollment Statistics

Ohio has 88 counties. The top five are:

  • Franklin (Columbus)
  • Cuyahoga (Cleveland)
  • Hamilton (Cincinnati)
  • Summit
  • Montgomery

Ohio’s average retirement age of 63 matches the national average. Here are some other facts for OH:

  • Ohio’s population is more than 11.6 million; over 16 percent are eligible for Medicare.
  • More than 2.2 million residents have Medicare coverage, a 9 percent increase from 2011.
  • Of those covered by Medicare, 60 percent (more than 1.346 million) have Original Medicare; 40 percent have coverage through MA plans or other health plans.

When Should I Apply for Medicare Supplement Plan in Ohio?

You should apply for Medicare Supplement plan during your Medigap Open Enrollment Period. Open enrollment is a six-month period that begins 3 months before the month you meet two conditions:

  • You are age 65
  • You are signed up for Medicare Part B

During this six-month open enrollment period, you have particular rights, also called guaranteed issue rights. This means that insurance companies offering coverage in your area cannot turn you down when you apply, even if you have a pre-existing condition.

If you don’t sign up for a Medicare Supplement plan in Ohio within this six-month time frame, insurance companies can deny you coverage or charge a higher premium for your policy. Also, if you switch Medigap carriers, you may have to pass a health screening by the new company.

Below are a few other examples of opportunities an individual can purchase a Medicare Supplement plan without requiring health questions or underwriting:

  • Loss of Medigap coverage because the insurance company goes bankrupt
  • Leaving or drop a plan because the insurance carrier misled you or did not follow federal or Ohio rules
  • Have Original Medicare, and your secondary insurance coverage through an employer or union group plan ends
  • Move out of your policy’s coverage area
  • Your Medicare Advantage plan leaves Medicare, stops providing coverage in your area or you move out of the plan’s coverage area


How Are Rates Calculated for Medicare Supplement Plans in Ohio?

Although many companies sell Medicare Supplement plans, each company sets its premiums. Factors that influence your premium include gender, whether you use tobacco, zip code and type of coverage. There are three types of coverage:

  • Age Rated

    The insurance company bases the premium cost on your age when you buy the policy. This is also called issue age.

  • Community Rated

    Premiums are the same for everyone no matter how old you are.

  • Attained Age Rated

    Your current age determines the premium, so premiums increase as you get older.

Ohio allows insurance carriers to use all three types of rating systems.

Can I Use My Ohio Medicare Supplement Plan In Different States?

Since Medicare is a federal program, you can use your Medicare Supplement plan anywhere throughout the country with any doctor that accepts Original Medicare. You do not need preferred provider networks or referrals. Since medical costs and health care vary among geographic regions, having a Medicare Supplement plan means you have the freedom to access quality health care anywhere in the country. Also, most often you can keep your Medigap plan even if you move to one of 47 states. Remember, however, that your rate can change based on your new location.

How Do I Apply for An Medicare Supplement Plan in Ohio?

With so many health insurance companies offering Medicare Supplement plans, it’s a good idea to get assistance from a qualified insurance agent. Our goal is to help you save money on your out-of-pocket health care costs by showing you the options you have. We can help you understand the outline of coverage for the different Medigap plans, shop for the best rates, and provide reviews of the best insurance companies licensed to offer Medicare Supplement plans in Ohio.  Call us at 888-414-4547 and talk with one of our Medicare specialists. We can even help you enroll in a Medicare Supplement plan right over the phone.

Ohio Medicare Resources

Following are several links to help you understand Medicare Supplement plans: