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Best Medicare Supplement Plans in Ohio 2020 – Comparison Chart

The best Medicare Supplement plans in Ohio for 2020 help you pay your share of the copayments, deductibles, and coinsurance leftover after Original Medicare pays its portion. The following information will help you understand the ins and outs of the best Medicare Supplement plans in Ohio and how to find the best option at the most favorable rate.

Overview of The Top Medicare Supplement Plans in Ohio for 2020

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.

Medicare Supplement Plan F is the most extensive Medicare Supplement plan, and it’s available as both a standard and high deductible plan. Medigap Plan G is the second-most comprehensive plan, but you’ll be responsible for your Medicare Part B deductible. With Medigap 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 for 2020 once you’ve turned 65 and are covered under Medicare Part B. Some companies will allow you to apply for a plan just before you sign up for your Medicare benefits through the federal Medicare program so that you’ll have time to compare Medicare plans and so that your coverage will be ready to go.

If you have coverage under a Medicare Advantage Plan instead of Original Medicare Parts A and B, you cannot also apply for a Medigap policy.

Medicare Supplement Plan Comparison Chart in Ohio for 2020

Choosing from the best Medicare Supplement plans in Ohio can be tricky. You want to pick a plan with a monthly premium that you can afford, but you probably also want to make sure that you have the best coverage that you can afford. When looking at your options, you’ll definitely want to check out the most popular plans. As listed above, they are Medicare Supplement Plan F, Medicare Supplement Plan G and Medicare Supplement Plan N.

To determine which out-of-pocket costs each of the popular Medicare Supplement insurance plans will cover, Medicare beneficiaries like you can use this helpful Medicare Supplement plan comparison chart for Ohio. Then, you’ll know which plans include the Part B excess charges, Medicare Part B deductible and more.

Please note: Medigap Plan F in Ohio will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

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, such as HMO plans.
  • Many beneficiaries in Ohio have prescription drug coverage through one of the Medicare Part D prescription drug plans that are available.

When Should I Apply for Medicare Supplement Plan in Ohio for 2020?

You should apply for the best Medicare Supplement plan in Ohio 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 A and 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 2020 Rates Calculated for Medicare Supplement Plans in Ohio?

Although many companies sell Medicare Supplement plans, each company sets its premiums for the best Medicare Supplement plans in Ohio. 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. With each plan, you can expect some rate increases over the years for things like inflation. Choosing a Supplemental insurance policy from one of the more reputable and stable private insurance companies can help with this.

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

Since Medicare is a federal program, you can use the best Medicare Supplement plans in Ohio anywhere throughout the country with any doctor that accepts Original Medicare. You do not need preferred provider networks or referrals for doctor’s appointments, hospital visits or skilled nursing care.

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 for 2020?

With so many health insurance companies offering the best Medicare Supplement plans in Ohio, 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.

Related Medicare Supplement Plan Topics in Ohio

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Ohio Medicare Resources

Following are several state and United States government links to help you understand Medicare and the best Medicare Supplement plans in Ohio: