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Ohio Medicare Supplements Plans in 2022


Medicare Supplement plans help cover costs Original Medicare (Part A and Part B) leave behind. Across the U.S., many people on Medicare find the benefits of a Medicare Supplement (Medigap) plan essential for their healthcare needs.

Medicare Supplement plans in Ohio are a popular addition to Original Medicare coverage. Several top insurance carriers offer Medigap plans in the state, and all the typical lettered plans are available. The federal government standardizes these plans to ensure identical benefits across carriers.

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When choosing a Medicare Supplement plan in Ohio, it is crucial to understand your plan options and state-specific rules. Below, we discuss the best Medigap plans in Ohio and how to find the right coverage for your needs.

What are the Best Medicare Supplement Plans in Ohio?

Ranking Medicare Supplement plans in each state looks similar due to standardized Medigap benefits. Ohio’s top-rated Medigap plans are Medicare Supplement Plan F, Plan G, and Plan N. Each plan offers the same benefits nationwide and allows seniors easy access to the doctors and hospitals of their choice.

When deciding which Medigap plan is best for you, it is essential to determine your needs and compare how each plan covers those needs. Someone who visits the doctor regularly may be inclined to enroll in Medigap Plan F or Plan G, whereas someone who only goes a few times a year may enroll in Plan N due to the plan’s copayment structure.

Either way, your best plan may not be the best for someone else. Your coverage must complement your needs.

How Much Do Medicare Supplement Plans in Ohio Cost?

Monthly premiums for Medicare Supplement plans in Ohio can vary based on several factors. These factors include age, gender, ZIP Code, tobacco-use status, and more. Typically, women have lower premiums than men, and the older you are, the higher your premium.

The chart below shows a monthly premium comparison between a male and female at age 65 and age 75 in the same Ohio ZIP Code.

Female, No Tobacco, Ohio ZIP Code 43081
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $112-$402* $143-$478*
Medicare Supplement Plan G $100-$368 $118-$441
Medicare Supplement Plan N $76-$360 $94-$360
Male, No Tobacco, Ohio ZIP Code 43081
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $128-$454* $164-$531*
Medicare Supplement Plan G $113-$416 $136-$490
Medicare Supplement Plan N $86-$405 $106-$405

* If on Medicare before 1/1/20

Medicare Excess Charges in Ohio

Few states nationwide do not allow Medicare excess charges. Ohio is one of these states. Thus, all Medicare-covered procedures will cost the same regardless of the doctor you visit.

Excess charges accrue when a doctor charges more than the Medicare-approved amount for a procedure. In this case, it is typically your responsibility to pay these costs in full. However, in Ohio, you do not need to worry about these additional costs.

Yet, if an Ohio resident with a Medigap plan receives care out of state from a physician who bills for excess charges, they will be responsible for payment.

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Can I Get a Medigap Plan in Ohio if I’m Under 65?

There is no mandate for Medicare Supplement insurance companies in Ohio to offer plans to those with Medicare under 65 due to disability. However, some carriers still offer Medigap plans to those on disability at a higher monthly premium rate.

Since Medigap usually costs more when you are not yet 65, a good alternative is waiting until you turn 65 to obtain a Medigap plan. In the meantime, several Medicare Advantage plans are available to those under 65 in Ohio.

Additional Medicare Coverage Options in Ohio

Medicare Supplement plans are not the only option for additional coverage available to you when you enroll in Medicare in Ohio. We recognize that Medigap is not for everyone. So, if you want a policy with a lower monthly premium and are comfortable with potentially higher out-of-pocket costs, you may shop for a Medicare Advantage plan.

Part C, or Medicare Advantage plans often include additional benefits like dental, vision, hearing, and prescription drug coverage. However, you cannot simultaneously have Medicare Advantage and a Medigap plan. Thus, you must choose which plan type fits your needs best.

In addition to health coverage, ancillary dental, vision, and hearing plans are available to purchase in Ohio. This coverage helps those on Original Medicare and Medigap fill the holes in benefits that neither covers.

Lastly, if you require prescription drug coverage, Medicare Part D is available to help with prescription drug costs. Neither Original Medicare nor Medigap plans in Ohio or any other state includes prescription drug coverage. Even if you do not yet take any prescription medications, enrolling as soon as possible is wise to avoid the Medicare Part D penalty.

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How to Apply for a Medicare Supplement Plan in Ohio

Finding the right Medigap plans in Ohio is simple. Whether you already know the policy you want or still need guidance from a licensed professional, we are here to help.

To compare all the top-rated Medicare Supplement plans in Ohio and receive a free side-by-side comparison, call the number above or complete our online rate form today. We look forward to assisting you in your Medicare journey.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare, Ohio Insurance. Accessed April 2022.
    https://insurance.ohio.gov/consumers/medicare
  2. Medicare, SSA. Accessed April 2022.
    https://www.ssa.gov/benefits/medicare/
  3. Medicare, CMS. Accessed April 2022.
    https://www.cms.gov/Medicare/Medicare

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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