Ohio Medicare Supplements
If you are searching for a Medicare supplement quote or looking to purchase coverage, our agency can help. We offer supplemental policies from many of the top rated supplemental insurance providers in Ohio. Our vast network of carriers allows us to instantly provide affordable Medigap quotes for our clients.
Compare Multiple Plans Today
The advantage of using an independent agency is it allows you to compare Medicare supplement policies from several carriers. If you are unsure which policy might be best for you, we will explain the differences between the various plans. We can also assist consumers shopping for better rates on their current plan.
Plans to Choose From in Ohio
Currently, there are ten standardized plans - A through J. Plan A will cover basic benefits while a Plan J offers complete coverage. The other plans, B through H, offer coverage in between. Plan cost increases as you move A to J.
In Ohio, plans F and J are two of the most popular supplemental plans. Plan F covers emergency care received outside of the United States and fills in most “gaps” left by Medicare. Plan J fills in all eight gaps. Plans C, D, and G are also popular choices depending on what benefits are most valuable to the insured. In addition, some insurance providers offer high deductible Medicare supplement coverage. High deductible plans only provide coverage once certain deductibles are met and are generally less expensive to the consumer.
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 standardized 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.
Insurance Providers
Our goal is to provide Medicare supplement coverage with economical, well rated carriers. To ease your search, we have narrowed down the list to the companies with the most competitive rates. Among them are American Republic, Anthem, Bankers Fidelity Life, Coventry, Golden Rule and Mutual of Omaha - United World.
We are also working with Coventry and their AdvantraRx plan to offer Medicare Part D prescription drug coverage. They have three levels of coverage (AdvantraRx Value, AdvantraRx Premier and AdvantraRx Premier Plus) from which to select. The three plans offer competitive premiums and co-pay options while covering 98 of the top 100 medications. Coventry offers a nationwide pharmacy network and a mail order option, as well as dedicated customer service 24 hours a day, seven days a week. We will be happy to help you find a plan tailored to cover your prescription needs.
Where We Are
Our independent insurance agents cover most major cities in Ohio, including Columbus, Cleveland, Cincinnati, Dayton, Akron, Canton, Toledo, Mansfield and many of the smaller towns surrounding these areas.
Contact us today for a supplemental insurance quote.
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.
