Best Medicare Supplement Plans in Ohio
A Medicare Supplement insurance plan in Ohio is a type of policy that fills in gaps that Original Medicare misses. There are ten Medicare Supplement plans to choose from.
- Out of all the different Medicare Supplement Plan options available to residents in Ohio, Mutual of Omaha's version of Medicare Supplement Plan G is one of the best in terms of price and coverage. For only $110.31 a month, this plan provides some excellent benefits.
- We also found Mutual of Omaha offers the best Medicare Supplement Plan N rates at $81.01 per month; for those that want the best monthly value without compromising coverage.
- Cigna's version of the High Deductible Plan G only costs $40.93 per month while still providing great coverage, making it an affordable option for Medicare beneficiaries. The plan provides access to the same benefits as the standard Plan G, after you meet the annual deductible of $2,700.
You can find all the information you need about Medicare Supplement plans below, including key benefits and a list of companies with the most competitive prices.
Mutual Of Omaha Medicare Supplement Plan G
If you need comprehensive coverage, Mutual of Omaha's Medicare Plan G will give you precisely what you are looking for. This plan takes care of nearly all your out-of-pocket expenses except for the Part B deductible.
Choosing Plan G offers several key advantages:
- Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
- No referrals are required.
- Freedom to see any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $110.31
*Quotes for a 65 year old non smoking female, in zip code 43001.
Mutual Of Omaha Medicare Supplement Plan N
If you’re looking for a Medigap plan that won’t break the bank, Mutual Of Omaha Plan N is your best bet. Plan N provides a more affordable premium than Plans F and G without compromising on quality.
Plan N provides several advantages including:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $81.01
*Quotes for a 65 year old non smoking female, in zip code 43001.
Cigna High-Deductible Plan G
- Although you'll have to pay a yearly deductible of $2,700 before the coverage kicks in, this plan provides all the same benefits as Medicare Plan G. Best part? It comes with significantly lower premiums compared to its counterpart.
Monthly Plan Cost: $40.93
*Quotes for a 65 year old non smoking female, in zip code 43001.
Cigna Medicare Supplement Plan F
- For seniors looking for comprehensive coverage, Cigna Plan F is the most complete of all Medigap plans. It not only covers Part A and B deductibles but also additional coinsurances. To qualify, individuals must already be enrolled in Original Medicare before January 1st 2020.
Monthly Plan Cost: $132.93
*Quotes for a 65 year old non smoking female, in zip code 43001.
What's the Best Medicare Supplement Company in Ohio?
Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in Ohio.
While Mutual of Omaha Medigap plans tend to be more affordable in Ohio, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in Ohio, including sample premiums, ratings, and market share:
Cigna
Market share: 1.78%
Plan G cost: $116.89
Plan N cost: $82.52
Financial strength: A
Mutual of Omaha
Market share: 7.24%
Plan G cost: $110.31
Plan N cost: $81.01
Financial strength: A+
Aetna
Market share: 6.68%
Plan G cost: $105.62
Plan N cost: $82.80
Financial strength: A
United Healthcare
Market share: 34.9%
Plan G cost: $110.73
Plan N cost: $87.87
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does a Medigap Plan Cost in Ohio?
The best price for Medicare Supplement Plan G in Ohio is $110.31 per month with Mutual Of Omaha.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$132.70
$110.31
$81.01
$40.93
$89.68
$40.38
Plan Popularity in Ohio
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Ohio for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
Enrolling in a Medicare Supplement Plan in Ohio
An application for a Medigap plan in Ohio is best made within the Medigap open enrollment period. This time allows you to compare plan options with the insurer and review Medicare benefits pricing. For age specifics, see below.
At 65 or older, you can have a Medicare Supplement insurance plan in Ohio once enrolled into Part B (it can't be changed or repeated).
When turning 65, a Medicare beneficiary can enroll on the effective date of the first day of the month they turn 65. This begins a six-month enrollment period. Part B is necessary for enrollment.
If under 65, eligibility is reduced. Some states are required to sell Medigap policies for those under 65. Pricing for these Medicare plans usually costs more.
Medicare Supplement plans do not have enrollment periods. Therefore, a Medigap plan in Ohio can be purchased at any time.
FAQ:
When Can I Change Medigap Plans?
If you want to switch plans outside the Open Enrollment Period, you may, but the insurance carrier will review your records and consider your health condition. You may
be charged a higher premium or be refused coverage.
Can I Be Denied Medigap Coverage?
The following guaranteed issue rights will keep you from being denied, especially if you have pre-existing conditions. They are:
- Switch from a Part C plan to a Medigap plan.
- Move out of a service area.
- You had your current Medicare Supplement plan for less than six months.
Always speak with your licensed insurance agent if you are considering any changes or if something unexpected has happened in your life.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
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