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.
Article Contents
Standardized Medigap Plans
Ohio State Regulations
Ohio Medigap Plans: Vendors and Premiums
Standardized Medigap Plans
There are 10 Standardized Plans, designated by the letters “A” through “N”. Plan’s letter defines a 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 differ significantly from vendor to vendor. Therefore, the knowledge of Medigap vendors and their premiums is important.
Medicare Supplement Plans in Ohio: State Medicare Supplement 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 the 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 (Medicare Supplement Plan C and Medicare Supplement Plan D) are identical to plans that include Extra Charges (Medicare Supplement Plan F and Medicare Supplement 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 Medicare Supplement plans in Ohio, read Ohio Medigap Plans (Medicare Supplement 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 have rating A-, A, and A+.
There are some well-known names, such as Aetna Health and Life, Transamerica Premier Life and United World. 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. The 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. The 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. The 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. The 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. The 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. The 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. The 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. The 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. The 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 Medicare Supplement carriers, and find a reputable vendor with the most affordable rate.
For more information, read Compare Medicare Supplement Plans and How to Choose a Medicare Supplement Plan and Vendor.
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For help finding the best Medicare Supplement Plan for you in Ohio, please contact Liberty Medicare or call us at 877-657-7477.
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