Ohio Medicare Supplements
Get a Quote »If you are searching for Medicare supplement insurance quotes or looking to purchase coverage, our agency can help. We offer supplemental policies direct to you from the top rated Medigap insurance providers here in Ohio.
Our vast network of carriers allows us to provide affordable Medigap quotes to our clients direct and online. You can compare rates and significantly reduce your monthly premiums using our agency.
Compare Medigap Plans From Multiple Providers
The advantage of using an independent agency like ours is that it allows you to compare Medicare supplement policies from several carriers without the hassle of contacting several different companies or agents.
We represent AARP, Aetna, AFLAC, Anthem Blue Cross and Blue Shield, American Continental, American Republic, Assured Life, Central States Indemnity, Gerber, Family Life, Forethought Life, Loyal American, Mutual of Omaha, Standard Life and Accident, United Healthcare and many others.
Medicare Insurance Plans To Choose From In Ohio
Currently, there are ten modernized plans – A through N. Plan A covers only basic benefits while Plan F offers the most comprehensive coverage.
Plans B through M offer varying benefit amounts to the insured. Plan premiums increase as you move from A to F. (View Benefit Chart)
In Ohio, Plans C, F and G are three of the most popular supplemental plans. Plan F is the most comprehensive available and covers all of the “gaps” left by Medicare.
Plans D, M, and N are also popular choices depending on the benefits that are most important to you as well as your insurance budget.
Additionally, some insurance providers offer High Deductible Plan F Medicare supplement coverage. The High Deductible Plan F only provides coverage once the annual deductible has been met, but the premiums are usually very affordable. In 2012, you will need to reach a $2,070 deductible first before any gap coverage would begin. Medicare Parts A and B will always pay its share first however.
All supplemental policies are “guaranteed renewable,” which means as long as you pay your premiums each year, the insurance company cannot cancel your coverage for any reason. However, the insurance company can raise rates from year to year, which is why healthy consumers occasionally shop online for better prices on their Medigap insurance.
Medicare Supplement Rates And Benefit Chart
Many consumers 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, marital status, and the plan selected.
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, your insurance plans may be subsidized by the government.
Consumers usually choose a plan based on the amount of annual out-of-pocket and monthly premiums they are most comfortable with. 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. We can also outline the cost and benefit description of each plan with several insurance carriers.
Part D Prescription Drug Coverage In Ohio
We work with Coventry First Health and AARP United Healthcare to offer Medicare Part D prescription drug coverage. Both companies offer two levels of prescription drug coverage from which to select and we find that most of our clients fit well within these four plans.
All plans offer competitive premiums and copay options while covering almost all of the most common 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 an rx plan tailored to cover your prescription needs whether through us or through other available options.
Where We Are
Our independent insurance agency covers all of Ohio, including Columbus, Cleveland, Cincinnati, Dayton, Akron, Canton, Toledo, Mansfield and all of the smaller towns surrounding these areas. Contact us today!
For further information about supplemental insurance please refer to the “Shopper’s Guide to Medicare Supplement Insurance Options and Part D” provided by The Ohio Department of Insurance.