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Best Medicare Supplement Plans in Ohio

A Medicare Supplement insurance plan in Ohio is a type of policy that fills in gaps that Original Medicare misses. Often these plans are called Medigap policies.

This insurance policy will handle the following:

  • Medical Expenses – Copayments, Coinsurance, and Medicare Part A Deductible (Some cover Part B deductible)
  • Medical Services
  • Medical Supplies

Most popular Medigap plans in Ohio based on enrollment:

Find Plans in Your Area

Best for Full Coverage: Medicare Supplement Plan F

Plan F has the most comprehensive Medicare Supplement coverage and benefits. Medicare enrollees in Ohio must have a start date with Medicare before January 1, 2020, to eligible.

Plan F covers:

  • Medicare Part A deductible and Medicare Part B deductible
  • Medicare Part A hospital and coinsurance costs
  • Medicare Part B deductible, coinsurance, and copayments
  • Medicare Part B excess charges
  • Medicare Part B coinsurance for preventative care
  • First 3 pints of blood per year when needed for a medical procedure
  • Foreign travel emergency medical expenses
  • Co-insurance for skilled nursing facility care

Best Comprehensive Coverage: Medicare Supplement Plan G

Plan G offers the same level of coverage as Plan F, but it does not cover the Medicare Part B deductible.

– You can visit any doctor in the United States (they accept Original Medicare)

– Change your doctors at anytime

– You have the freedom to go to any hospital or facility that takes Original Medicare

– Referrals not required with Medigap Plan G

– There are no networks to stay inside of

Best Value: Medicare Supplement Plan N

Plan N does not cover Part B excess charges, and you will be responsible for copays.

For example, out-of-pocket costs for Plan N will include office visits ($20), and ER visits are $50 (ER copay is waived if admitted).

Medicare Supplement Insurance cost in Ohio

For a Medigap plan in Ohio, the average cost will depend on the private health insurance companies factors. Premium factors include the following:

  • Community ratings: Priced for any age in Ohio
  • Issue age: Priced for the age you are when you purchase a plan
  • Attained age: Priced for premiums to increase with age
65-Year Old Female Non-smoker
Plan Type Premium Range
Plan G$105.07 - $152.69
Plan N$93.78 - $155.70

Enrolling in a Medicare Supplement plan in Ohio

An application for a Medigap plan in Ohio is best done within the Medigap open enrollment period. This time allows you to compare plan options with the insurer and review Medicare benefits pricing. For age specifics, see below.

At 65 or older, you can have a Medicare Supplement insurance plan in Ohio once you are enrolled into Part B (it can’t be changed or repeated).

When turning 65, a Medicare beneficiary can enroll the effective date of the first day of the month they turn 65. This begins a six-month enrollment period. Part B is necessary for enrollment.

If under 65, eligibility is reduced. Some states are required to sell Medigap policies for those under 65. Pricing for these Medicare plans usually costs more.

Medicare Supplement plans do not have enrollment periods. A Medigap plan in Ohio can be purchased at any time.

Enrollment periods only apply to the following:

– Part C plans (Medicare Advantage) with private insurance companies
– Part D plans
– Aging into the Federal Medicare Program
– Retiring from group coverage
– Losing Part C coverage

When signing up with Social Security, you will automatically be enrolled into Medicare Part A and Medicare Part B at the age of 65.

Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. Give us a call today, or request a quote online to learn more.

Frequently asked questions:

When can I change Medigap plans?

If you want to switch plans outside of the Open Enrollment Period you may, but the insurance carrier will review your records and consider your health condition. You may
be charged a higher premium or be refused coverage.

Can I be denied Medigap coverage?

The following guaranteed issue rights will keep you from being denied, especially if you have pre-existing conditions. They are:

  • Switch from a Part C plan to a Medigap plan
  • Move out of a service area
  • You had your current Medicare Supplement plan less than 6 months

Always speak with your licensed insurance agent if you are considering any changes or something unexpected has happened in your life.

Related Topics

Ohio State Links

Key Take Aways
  • In Ohio, Medicare Supplement Plan G is the most popular plan for 2022.
  • There are 10 Medicare Supplement Plans in Ohio to choose from.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.