Ohio Medicare Supplement Insurance

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Ohio Medicare Supplement Insurance Plans

Ohio Medicare Supplement Insurance PlansUsing our independent agency, you can compare Ohio Medicare supplement insurance plans and rates online.

We offer the lowest priced Medicare supplemental policies direct from the top rated Medigap insurance providers.

We are licensed with the most competitive insurance providers. With us, you can compare current rates, renewal history and company ratings. Enrollment is quick and easy.

Comparing Medicare Supplement Plans In Ohio

Using an independent agency like ours allows you to compare rates and benefits from several Medicare supplement providers in one place. You can avoid the hassle of trying to contact different companies and agents. All quotes with us are direct.

We represent all of the most competitive providers, including: Aetna, Anthem Blue Cross & Blue Shield, Central States Indemnity, Cigna, Equitable, Humana, IAC, Manhattan Life, Medical Mutual of Ohio, Medico, Mutual of Omaha, Shenandoah Life, Standard Life and Accident, Transamerica, United American, United Healthcare AARP and many others.

Aetna recently decreased their Plan G rates in Ohio by 20%. They are now very competitive for Plan G – especially if you qualify for their 7% household discount. Your zip code and age will help determine your best options. Mutual of of Omaha is also very competitively priced on Plan G.

The Most Popular Medigap Insurance Plans

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.

In Ohio, Plans F , G  and N are the most often purchased Medicare supplements. Plan F is the most comprehensive policy available and covers all of the gaps left by Medicare Parts A & B. Plans G and N cost less and both have very small coverage gaps. Our clients ask about these three plans the most.

Plans C, D & M are also good choices depending on which gaps you most want covered. We will help you better understand the nuances that make each plan a little unique and why one is more popular than another.

Additionally, some insurance providers offer a High Deductible Plan F Medicare supplement. High Deductible Plan F only fills in gaps once the annual deductible has been met. HD Plan F offers the lowest monthly premiums available. In 2016, you will need to reach a $2,180 deductible first before any gap coverage would begin. Medicare Parts A and B will always pay its share first, however.

Medicare Insurance For Those Under Age 65 in Ohio

If you are under age 65 and eligible for Medicare due to disability, there are no Medicare supplement plans available for sale at this time. This is a statewide rule that can only be changed by our lawmakers.

In most cases, we recommend Medicare Advantage plans for our clients under age 65. We can help you compare benefits and better understand how these Part C insurance plans work.  They are different than Original Medicare, but can help to close the gaps in Medicare while providing known and finite out-of-pocket costs.

Calculating Medicare Supplement Rates & Renewals

Consumers purchase Medigap plans to protect themselves from health care expenses. Some of the factors that will determine your monthly premiums include: age, gender, location, the chosen insurance company, marital status, and plan selected.

Our clients 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.

All supplementsare “guaranteed renewable,” which means the insurance company cannot cancel your coverage as long as you pay your premiums. Insurance companies can raise your rates each year, which is why our clients shop online with us for better rates. It’s important to note that you cannot be singled out for rate increase no matter your expenses.

Understanding Part D Prescription Drug Plans

We offer Medicare Part D prescription drug plans direct from AARP United Healthcare, Anthem Blue Cross & Blue Shield, Coventry First Health, SilverScript and Humana (to name a few). All companies offer varying levels of prescription drug coverage and we will work to find the plan most suitable for your needs.

The most inexpensive Part D plan in Ohio for 2016 is the Humana Walmart policy. It costs $18.40 per month and can be a good option for those on a few generics. The SilverScript Choice plan ($19.60 per month) is also popular as has no deductible and includes many pharmacies. We can help you compare those and several others.

All Part D plans offer competitive premiums and copay options while covering almost all of the most common medications. Most plans offer a nationwide pharmacy network and mail order options for quick and reliable access to prescription Part D approved drugs.

Contact Us For Medicare Quotes And Coverage

Our independent Ohio Medicare supplement insurance agency covers the entire state including: Columbus, Cleveland, Cincinnati, Dayton, Akron, Canton, Toledo and all place in between. Contact us today!