Hyers & Associates

Get a Quote »If you are searching for a Medicare supplement quote or looking to purchase coverage, our agency can help. We offer supplemental policies from the top rated supplemental insurance providers in Ohio.

Our vast network of carriers allows us to instantly provide affordable Medigap quotes for our clients.  You can compare plans and reduce your monthly premiums. 

Compare Plans From Multiple Providers

The advantage of using an independent agency is it allows you to compare Medicare supplement policies from several carriers. We represent Aetna, Anthem, American Continental, American Republic, Assured Life, Bankers Fidelity, Gerber, Loyal American, Mutual of Omaha, United Healthcare (AARP Plan) and many others.

Plans to Choose From in Ohio

Currently, there are ten standardized plans - A through N.  Plan A will cover basic benefits while a Plan F offers complete coverage. The other plans, B through M, offer coverage in between.  Plan cost increases as you move A to F.

 In Ohio, Plans C, F and G three of the most popular supplemental plans. Plan F is the most comprehensive available and covers most “gaps” left by Medicare.  Plans C, D, and G are also popular choices depending on what benefits are most valuable to the insured.

Additionally, some insurance providers offer high deductible Plan F Medicare supplement coverage. High deductible plans only provide coverage once certain deductibles are met and are generally less expensive to the consumer.  In 2010, you will need to reach a $2000 deductible before coverage would begin.

All policies are “guaranteed renewable,” which means as long as you pay your premium each year, the insurance company offering your plan cannot cancel your coverage. However, the insurance company can raise rates from year to year, which is why healthy consumers occasionally look for better prices on their Medigap policies.

Medicare Supplement Cost

Many consumers on Medicare purchase Medigap plans to provide themselves with more health care coverage and less out of pocket expenses to health care facilities. Some of the factors that will determine the cost of your plan include: age, gender, location, the chosen insurance company and the plan selected.

Finally, it is important to find out if you are a “Qualified Medicare Beneficiary.” If your income is at or below 100% of the federal poverty level, normally you do not need to purchase a Medigap policy.

Consumers usually choose a plan based on what they feel they can afford from year to year. There is a modernized chart that can be viewed by clicking on the Ohio Department of Insurance “consumer publications” link for Medigap policies. The chart has a detailed explanation of the different plans and what they cover. Our agents can tell you the cost of each plan with several insurance carriers.

Part D Prescription Drug Coverage

We are also working with Coventry and their AdvantraRx plan as well as AARP - United Healthcare to offer Medicare Part D prescription drug coverage. Both companies offer three levels of prescription drug coverage from which to select.

The three plans offer competitive premiums and copay options while covering 98 of the top 100 medications. Both AARP and Coventry offer a nationwide pharmacy network and a mail order option for quick and reliable access to prescription Part D approved drugs.

We will be happy to help you find a plan tailored to cover your prescription needs.

Where We Are

Our independent insurance agents cover all major cities in Ohio, including Columbus, Cleveland, Cincinnati, Dayton, Akron, Canton, Toledo, Mansfield and all of the smaller towns surrounding these areas.

For further information about supplemental insurance please refer to the “Shopper’s Guide to Medicare Supplement Insurance and Medicare Options” provided by The Ohio Department of Insurance.