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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 Supplement Plans In Ohio

Using our independent insurance agency here in Ohio allows you to compare the direct quotes and benefits from several Medicare supplement providers at once. You can avoid the hassle of trying to contact different companies and agents. We serve the entire state, including: Columbus, Cleveland, Cincinnati & Dayton.

We represent all of the most competitive private insurance companies, including: Aetna, Anthem Blue Cross & Blue Shield, Bankers Fidelity, Bankers Life, Central States Indemnity, Cigna, Equitable, GTL, Humana, Liberty Bankers Life, 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.

And several companies have introduced or 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 direct 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 and does not require any medical underwriting in certain situations. Plans G and N cost less, cover the most important gaps, and oftentimes offer lower renewal rates. Our clients ask about these three plans the most.

Plan G and N can oftentimes offer more value than Plan F when you compare benefits vs. cost. You must pay the one-time $185 Part B deductible with Plans G and N, but the monthly premiums can be more than $25 less than Plan F. This difference more than makes up for the $198 one-time deductible.

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 are the small copays with Plan N – a maximum of $20 for any 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.

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

(Plans C, D & M can also be good choices depending on which gaps you most want covered, but we see much more demand for the three mentioned above. With Plans C and F, leaving the market for new enrollees in 2020, some of this may change, however. Contact us to learn how to strategize now for this impending Medicare update.)

High Deductible Plan F Medicare Supplement

Many 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. In 2020, you will need to reach a $2,340 deductible first before coverage would begin. Medicare Parts A and B will always pay its share first, however.

High Deductible Plan F offers the lowest monthly premiums available on any policy sold today. Standard Life & Accident, United American, Thrivent, Medical, 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, however, that 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 F might be great now, you may like it less in the future if you are meeting the deductible each year. Most of our clients who choose High Deductible F 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 of our clients are better off with Advantage plans than just Original Medicare coupled with a Part D drug plan. Advantage (Part C) policies usually include Part D drug coverage, minimize the gaps in Medicare while also offering dental & vision coverage. While there is more out of pocket than with a traditional supplement, the exposure is less than just Medicare alone. In Ohio, Aetna, Coventry, Anthem BCBS, Humana and Medical Mutual 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 plan selected.

Our clients usually choose a plan based on monthly premiums and benefits covered. 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 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

Supplements, by rule, cannot include Part D drug coverage. We offer stand-alone prescription drug plans direct from AARP United Healthcare, Anthem Blue Cross & Blue Shield, Envision Rx, 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. There is not a one-size fits all with drug plans.

There are several inexpensive Part D Drug plans available for 2020. Humana, Envision, 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. One size does not fit all, so 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.

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 can help you find a plan, then enroll direct with that company. There are no additional costs to use us. You get our 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 the definition of Advantage, Part D and supplemental policies so you know that you’re enrolling in the most suitable insurance plan for your needs.