Original Medicare does not cover all of your medical expenses. Ohio Medigap plans, also known as Ohio Medicare Supplement plans, provide protection against Original Medicare out-of-pocket costs. The costs include deductibles, co-payments, coinsurances, and excess charges. Your Medicare health costs may be very significant without such plans.
Ohio Medigap Plans are sold by private insurance companies licensed in Ohio. Most Medigap rules are standard for all states (except Massachusetts, Minnesota, and Wisconsin). In particular, Standardized Medicare Supplement Plans define Medigap benefits for each of its plans that are universal regardless of what Medigap vendor is offering a specific Medicare Supplement plan.
Medigap premiums in Ohio are decided by the following factors:
- Zip code (and sometimes a county within the zip code)
- 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 Medigap Insurance companies. Some Ohio carriers add more benefits than is standard, such as theVision Plan discount. Contact Liberty Medicare for more information.
Ohio Medigap Plans: State Medicare Supplement Regulations
Ohio law prohibits Medicare providers to charge more than what Medicare allows. This difference is known as Extra Charges, and they are illegal in Ohio. Therefore, the less expensive Ohio Medigap Plans that do not include Extra Charges (Medicare Supplement Plan C and Medicare Supplement Plan D) are identical to the more expensive plans that include Extra Charges (Medicare Supplement Plan F and Medicare Supplement Plan G).
The Federal Government has no constraint that would force Medigap providers to sell Medicare policies to people under the age of 65 (Medicare due to disability). Ohio has not added any additional requirements; therefore Medicare Supplement plans for people under 65 are not available in Ohio.
Some states have additional special Guaranteed Issue periods (in addition to the standard Guaranteed Issue Rights), such as 30-days birthday period. Ohio does not have such periods. Ohio does permit a household discount to be applied to Medicare Supplement plans, and several Medigap vendors offer this discount.
Ohio Insurance Department
Liberty Medicare list of Ohio Medicare Supplement (Medigap) carriers
Ohio Medicare Supplement providers represented by Liberty Medicare offer a variety of Medicare Supplement plans. Some providers sell all available Standardized plans. Vendors’ premiums for Ohio Medigap plans vary widely. Contact Liberty Medicare for assistance in selecting your Medigap plan.
- Aetna Senior Products
- Anthem Blue Cross Blue Shield
- Cigna Medicare Supplement
- Guarantee Trust Life
- Manhattan Life
- Medico® Corp Life Insurance Company
- Transamerica Life Insurance Company
- United World
Let Liberty Medicare Help you to Choose one of the Ohio Medigap Plans
Liberty Medicare is here to help you through the entire process of selecting and enrolling in the best, most suitable Ohio Medigap Plan for you.
All of our many services are offered to you at no cost. We’ll help you:
- Find all available plans and compare their benefits
- Determine your eligibility (particularly if medical underwriting is required)
- Find the least expensive Medigap plan and enroll into it
Learn more about all the benefits of working with Liberty Medicare.
If you are looking for Medicare Supplement coverage, let us guide you. To view real quotes from Ohio Medigap plan vendors, please fill out our Medicare Supplement Quote form, or give us a call at 877-657-7477.