Medicare Supplement Plans in Ohio – 2018

Medicare Supplement Plans in Ohio

Medicare Supplement Plans in Ohio, also known as Medigap Plans, serve the purpose to fill the gaps in both Part A and Part B of Original Medicare. Examples of such gaps are deductibles, copayments / coinsurances, and excess charges. Your Medicare costs could be very high without them. Ohio Medigap plans are sold by private insurance companies. There are 10 Standardized Plans, designated by the letters “A” through “N”. Plan’s letter defines set of benefits, they are identical for all vendors. For example, the benefits of Medicare Supplement Plan F from one vendor are the same as benefits from any other vendors. But the premiums may be differ significantly from vendor to vendor. Therefore, the knowledge of Medigap vendors and their premiums is important.

Medicare Supplement Plans in Ohio: Specific Medigap Regulations

Medigap premiums in Ohio are established using the following factors:

  • Age
  • Zip code (and sometimes a County within the zip code)
  • Gender
  • Whether or not you are a tobacco user.

Rates are usually higher in urban areas and lower in rural areas. Female rates are typically 10-15% lower than male rates in most Medicare Supplement companies. Some Ohio carriers add non-standard benefits, such as Vision Plan discount.

Ohio law prohibits Medicare providers to charge more than what Medicare allows. This difference is known as Extra Charges. In other words, Extra Charges are illegal in Ohio. Therefore, Medicare Supplement Plans that do not include Extra Charges (Medigap Plan C and Medigap Plan D) are identical to plans that include Extra Charges (Medigap Plan F and Medigap Plan G). Medigap Plans C and D are less expensive than Plans F and G, but the difference is quite insignificant.

The Federal Government has no constraint that would force Medigap providers to sell Medicare policies to people under the age of 65, having Medicare due to disability. Because Ohio has not added any additional requirements, Medicare Supplement plans for people under 65 are not available in Ohio.

Ohio does not have any additional special Guaranteed Issue windows, such as 30-day birthday period. A household discount is allowed in Ohio, and several Medicare Supplement vendors include it. The typical discount is 5 to 7 percent.

To find more about Medigap plans in Ohio, read Ohio Medicare Supplement Plans (Medigap Plans).

Medicare Supplement Plans in Ohio: Cleveland, Columbus and Cincinnati.

There are about 20 Medigap vendors selling policies in Ohio. Most of them are on the list of Liberty Medicare Medigap carriers. We only deal with highly respected companies. Only one of them has AM Ratings B+; the rest has ratings A-, A, and A+.

There are some well known names, such as AARP, Aetna Health and Life, and Transamerica Premier Life. Some of them have attractive rates in Ohio. But there are also companies that are smaller and less known, and they often provide real Medigap Plans bargains. Consider such companies as Medico, Manhattan Life, and Americo. They have high rates (A-, B+ and A), and provide very attractive Medicare Supplement Rates in Ohio. And, as it was mentioned above, the premium is the only real difference in the world of standardized Medigap plans.

In the tables below you’ll find the range of premiums for different ages in Cleveland, Columbus, and Cincinnati.

Table 1a. Range of Medigap premiums for Age 65 in Cleveland, OH (Cuyahoga County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $134-$346 $105-$335 $90-$248
Male $148-$356 $120-$335 $102-$256

 

Table 1b. Range of Medigap premiums for Age 65 in Columbus, OH (Franklin County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $120-$346 $94-$335 $81-$248
Male $138-$346 $108-$335 $93-$248

 

Table 1c. Range of Medigap premiums for Age 65 in Cincinnati, OH (Hamilton County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $127-$346 $100-$335 $86-$248
Male $146-$346 $110-$335 $93-$248

 

Table 2a. Range of Medigap premiums for Age 70 in Cleveland, OH (Cuyahoga County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $150-$346 $114-$335 $100-$248
Male $172-$356 $127-$335 $108-$256

 

Table 2b. Range of Medigap premiums for Age 70 in Columbus, OH (Franklin County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $132-$346 $107-$335 $90-$248
Male $152-$346 $116-$335 $98-$248

 

Table 2c. Range of Medigap premiums for Age 70 in Cincinnati, OH (Hamilton County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $139-$346 $107-$335 $92-$248
Male $158-$346 $116-$335 $98-$248

 

Table 3a. Range of Medigap premiums for Age 75 in Cleveland, OH (Cuyahoga County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $174-$346 $132-$335 $117-$248
Male $200-$376 $154-$347 $131-$276

 

Table 3b. Range of Medigap premiums for Age 75 in Columbus, OH (Franklin County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $156-$346 $126-$335 $106-$248
Male $179-$346 $141-$335 $119-$229

 

Table 3c. Range of Medigap premiums for Age 75 in Cincinnati, OH (Hamilton County)

Medicare Supplement Plans
Gender Plan F Plan G Plan N
Female $163-$346 $124-$335 $106-$248
Male $187-$358 $141-$335 $119-$262

 

If you live in Ohio, please contact us if you need help selecting and enrolling in Medigap Plans. Consider using our very extensive list of Medigap carriers, and find a reputable vendor with the most affordable rate.

For more information, read Compare Medicare Supplement Plans and How to Find Affordable Medicare Supplement Plans.

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

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