Using 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.
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, Aflac, Anthem Blue Cross & Blue Shield, Bankers Fidelity, Bankers Life, Cigna, Humana, Liberty Bankers Life, Manhattan Life, Medical Mutual of Ohio, Medico, Mutual of Omaha, Physicians Life, United American, United Healthcare AARP, Wellable, and many others.
Several companies offer competitive rates on the most common Plan G and Plan N Medicare supplement policies. United Healthcare, Healthspring (formerly Cigna), Bankers Fidelity, and Mutual of Omaha are all popular choices. Medico, Woodmen, Physicians Mutual (innovative), and Lifeshield 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.
In Ohio, a 65-year-old male can find a Plan G for close to $140 a month. For females aged 65, those rates are closer to $125 a month. If a husband and wife are applying together with the same insurance company, household discounts apply, reducing these rates by 7%-11% overall.
Plan N rates in Ohio are usually about $20-$30 per month less than Plan G rates. For the same 65-year-old couple above, Plan N would be closer to $110 a month for the male and just under $1oo for the female, before applying any applicable discounts.
Of course, rates are higher for older applicants. Those near age 75 might expect to pay closer to $175 (male) for Plan G and $140 (female) when accepted at a preferred, attained age rating. Plan N would be proportionally less and is usually the better value overall.
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 $283 yearly Part B deductible (year 2026) with Plans G and N, but the monthly premiums can be much less than Plan F. This difference more than makes up for the $283 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, Plan G is a “guaranteed issue” Medigap policy. There are several 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 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.
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 2026, you will need to reach a $2,950 deductible before coverage begins. Medicare Parts A and B will always pay their share first, however.
High Deductible Plan G offers the lowest monthly premiums of any policy sold today. United American, Humana, Mutual of Omaha, Healthspring, and a few others all offer very competitive quotes in this space. Rates will be close to $40 a month for most individuals near age 65.
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 you meet the deductible each year. Most of our clients who choose High Deductible Plan G have good overall health.
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, and also offer popular 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, CareSource, Devoted, Humana, Medical Mutual of Ohio, MediGold, Molina, and United Healthcare AARP, all offer comprehensive MAPD plans. Your best options will depend on your county of residence and network needs.
Beginning in 2026, new FIDE plans are available to those who are dual eligible and meet certain requirements. Learning more about these Ohio Medicare Advantage plans will be very beneficial for those who qualify.
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.
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, 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. 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. This can 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.
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!
In Ohio, three Medicare supplement plans 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. Several companies compete with the lowest prices for these three Medigap plans.
Medigap rates are always changing. Both new and old insurance companies will offer fresh lines of Medicare Supplement plans on a frequent basis to stay competitive. Currently, Bankers Fidelity, Healthspring, Lifeshield, United Healthcare and a handful of others offer the best rates, but that can and will change on a yearly basis.
No, never. We cannot charge for our services. We do make a commission on most sales, but that cost is built-in and the same whether you buy directly from the insurance company or through us. We have no markups whatsoever. You get to compare all of the lowest Medicare Supplement rates in Ohio with our independent insurance brokerage.
We are one of the top-rated insurance brokers in Ohio. We offer the best rates available and do so directly to consumers. We will help you find the most suitable coverage while comparing the Market Analytics of each company side by side. This allows you to see their most recent rate increases, AM Best ratings, and benefit options. We can also discuss the nuances of each plan and company. Some offer extra benefits like Silver Sneakers.
Whether you are disabled, eligible for Medicare at age 65, or shopping for better rates, we’ll help you compare your best options. We provide ongoing support every year during Open Enrollment and during your annual renewal. We are very knowledgeable about Supplements, Advantage plans, Part D, dental & vision, life, annuities, and long term care insurance. We are a great resource for several different types of policies.