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Ohio Medicare Supplement Insurance Rates

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 supplement plans in Ohio 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 Insurance Benefits & Premiums

Our independent insurance agency here in Ohio allows you to compare quotes and benefits from all Medicare supplement providers. You avoid the hassle of contacting different companies and agents. We serve the entire state, including Akron, Canton, Columbus, Cleveland, Cincinnati, Dayton, Toledo, Youngstown, and all places in between.

We represent well-rated insurance companies, including Aetna, Ace, Allstate, Anthem Blue Cross & Blue Shield, Bankers Fidelity, Bankers Life, Central States Indemnity, Cigna, GTL, Humana, Liberty Bankers Life, Manhattan Life, Medical Mutual of Ohio, Medico, Mutual of Omaha, Prosperity Life, United American, United Healthcare AARP, and many others.

Several companies have lowered rates on the popular Plan G Medicare supplement policy. United Healthcare, Anthem Blue Cross and Blue Shield, and Medical Mutual are all very competitive in this space. Mutual of Omaha, Medico, and Liberty Bankers Life are also well-priced depending on your zip code and marital status. We can quote all of them for you directly and in one place.

The Most Popular Medigap Insurance Plans: F, G & N

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, Medicare Supplement Plans F, G, and N are purchased most often at our agency. Plan F is offered on a guaranteed issue basis (when applicable) and is the most comprehensive policy available. It covers all of the gaps left by Medicare Parts A & B. It, along with Plan G, does not require medical underwriting in certain situations. Plans G and N cost less, cover the most important gaps, and frequently offer lower renewal rates. Our clients ask about these three plans the most.

Plan G and N oftentimes offer more value than Plan F when you compare benefits vs. cost. You must meet the one-time $240 yearly Part B deductible (year 2024) with Plans G and N, but the monthly premiums can be much less than Plan F. This difference more than makes up for the $240 amount.

And here in Ohio, doctors are not allowed to apply Part B Excess Charges. It’s against the rules. That fact makes Plan N a smart choice as well. The only difference between Plan G and Plan N is the small copays with Plan N – $20 for office visits and $50 for the Emergency Room. Our clients who don’t visit the doctor often might choose Plan N over G to keep premiums low.

Medicare supplement Plan N tends to have smaller rate increases than Plans G & F. At present, Plans G is a “guaranteed issue” Medigap policy. There are a lot of ways someone can qualify for Plan G without medical underwriting. This is not always the case for other supplements. Because of this designation, G Plans will usually have a membership with more health claims. This increased usage results in larger premium increases.

(Plans D & M can also be good choices depending on which gaps you most want to be covered. We see more demand for the three mentioned above, however. And now that Plans C and F are no longer for sale to new enrollees, Plans N and G are the next best options.

High Deductible Plan G & F Medicare Supplements

Several insurance companies offer a High Deductible Plan G Medicare supplement. High Deductible Plan G (and F before it) only fills in gaps once the annual deductible has been met. In 2024, you will need to reach a $2,800 deductible first before coverage would begin. Medicare Parts A and B will always pay their share first, however.

High Deductible Plan G offers the lowest monthly premiums available on any policy sold today. United American, Humana, Mutual of Omaha, Cigna, and a few others all offer very competitive quotes in this space. Rates can be as low as $40 a month for some individuals.

It’s important to note you may not be able to upgrade your Supplement in the future. Medical underwriting is almost always required to change plans – even within the same insurance company. While HD Plan G might be great now, you may like it less in the future when meeting the deductible each year. Most of our clients who choose High Deductible G tend to be in very good health.

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.

Most consumers are better off with Advantage plans than just Original Medicare. Advantage (Part C) policies usually include Part D drug coverage, minimize the gaps in Medicare while also several ancillary benefits. Many plans include dental, vision, and hearing benefits along with gym memberships, transportation, meals, and over-the-counter allowances.

While there is more out-of-pocket than with a traditional supplement, the exposure is less than just Medicare alone. In Ohio, Aetna, Anthem BCBS, Humana, Medical Mutual Of Ohio, and United Healthcare AARP, all offer comprehensive MAPD plans. Your best options will depend on your county of residence and network needs. We can help.

Calculating Medicare Supplement Rates & Renewals

Consumers purchase Medicare supplement Medigap plans to cover the costs that Original Medicare does not. Some of the factors that will determine your monthly premiums include age, gender, location, the chosen insurance company, marital status, and the plan selected.

Our clients usually choose a plan based on monthly premiums and benefits covered. You can also gather information from the Ohio Department of Insurance here.

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 supplements are “guaranteed renewable.” This means the insurance company cannot cancel your coverage as long as premiums are paid on time. Insurance companies can increase rates each year for everyone each year, but they cannot single you out individually. We help our clients (and prospective clients) shop and keep the most affordable plans.

Understanding Part D Prescription Drug Plans

By rule, Medicare Supplements cannot include Prescription Part D Drug coverage. We offer stand-alone prescription drug plans directly from AARP United Healthcare, Anthem Blue Cross & Blue Shield, SilverScript, Humana, Mutual of Omaha, and Wellcare (to name a few). All companies offer varying levels of prescription drug coverage, but follow the same outline as mandated by the government. It is not one-size-fits-all with drug plans.

There are several inexpensive Part D Drug plans available. Humana, Wellcare, and Anthem BCBS all offer comprehensive coverage for under $20 a month. We can help you compare those and several others to see which policy fits you best. It’s important to choose the plan that offers you the best overall value. That may mean choosing a policy with higher premiums.

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. We can help you find which plans are best based on what you take and where you shop.

Contact Us For Medicare Quotes And Coverage

Our independent insurance agency offers Medicare supplement plans in Ohio.  We cover the entire state including Columbus, Cleveland, Cincinnati, Dayton, Akron, Canton, Toledo and all place in between. Contact us for quotes today!

Frequently Asked Questions:

What are the most popular supplemental plans in Ohio?

In Ohio, There are three Medicare supplement plans that are most popular. They are Plan F, Plan G, and Plan N. You can view our comparison chart and/or guide here to learn more. Plans G and N typically provide the best value overall. Plan F is only available to those whose Medicare began before January 2020.

Why should I use your agency?

We are one of the top-rated Medigap insurance brokers in the State of Ohio. We offer the best rates available and will help you find the most suitable coverage. We enroll you direct with that company; there are never any fees or markups to use our services. You get our 25 years of knowledge and experience for free.

What services do you provide?

Whether you are disabled or eligible for Medicare at age 65, we’ll help you compare company ratings, discounts, and renewals. We provide ongoing support every year during Open Enrollment and at any other time. We’ll also explain all of your options. Whether you want to know more about Supplements, Advantage plans, or Part D coverage – we are here to assist you.