Best Medicare Supplement Plans in Ohio
In Ohio, Mutual of Omaha offers the best Medicare Supplement plans at the most affordable rates. The Plan G option offers the most comprehensive coverage and is priced at an average of $127.34 per month in Franklin County, while Plan N also has a competitive rate of $93.79 on average in Hamilton County.
Notable features of these plans include:
- Access to the fitness program Mutually Well
- Household discounts
- Affordable monthly premiums
- Excellent customer satisfaction rating
You can also purchase additional dental and prescription drug coverage policies from Mutual of Omaha by paying an extra premium.
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Plan G Highlights
Plan G: $127.34 per month (average)
Plan Features:
The benefits offered with Mutual of Omaha Medigap Plan G include Part B excess charges, Medicare Part A deductible, emergency care, foreign travel emergency expenses, and Part B coinsurance.
No referrals are required; you can choose any medical provider if they participate in the Original Medicare network.
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Plan N Highlights
Plan N: $93.79 per month (average)
Plan Features:
Medigap Plan N from Mutual of Omaha allows you to visit any doctor that accepts Original Medicare. Your benefits are unchanging each year if you choose this plan, and it has a copay of $25 for office visits and a $50 copay for ER visits.
You also have the option to add dental and vision insurance to cover additional needs.
Let’s take a closer look at the Medigap rates in Ohio from Mutual of Omaha:
Best Plan G Rates: Mutual of Omaha
65: $110.73
70: $119.37
75: $158.57
65: $127.34
70: $137.27
75: $137.89
A recent study by AHIP revealed that over 613,846 Ohio residents currently benefit from Medicare Supplement (Medigap) coverage. Enrollment in Medigap Plan G has surpassed Plan F, with an impressive 252,166 individuals enrolled.
Best Plan N Rates: Mutual of Omaha
65: $81.56
70: $91.35
75: $109.62
65: $93.79
70: $105.05
75: $126.06
More than 89,346 Ohio residents have chosen Plan N. These figures emphasize Medigap plans’ widespread recognition and utilization in ensuring comprehensive healthcare coverage for Ohioans.
We only evaluated financially stable options from reputable companies to find Ohio’s top Medicare Supplement plans. This is because newer or less-established insurance providers can unexpectedly raise their rates and may not offer lower pricing.
Opting for trusted and familiar brands can save money and prevent unnecessary complications in the future.
Which Medicare Supplement Plan Has The Highest Level Of Coverage?
Medicare Supplement Plan F offers extensive coverage, bridging all the gaps in Original Medicare. It includes deductibles, copayments, and coinsurance costs, making it the preferred choice for beneficiaries seeking comprehensive coverage. However, as of January 1, 2020, new Medicare enrollees are no longer eligible for Plan F.
Those eligible before 2020 can still choose or switch to this plan. Plan G has emerged as the leading alternative for new beneficiaries, providing a viable option for comprehensive coverage. The only difference is Plan F covers the Part B deductible, whereas Plan G does not.
What's the Best Medigap Insurance Company in Ohio?
The overall best Medigap provider in Ohio is Mutual of Omaha.
Mutual of Omaha offers relatively cheaper Medigap plans in Ohio, making it the most popular provider in our review process. The “best” Medicare Supplement company depends on the particular plan you are considering.
For example, while one carrier may have a more affordable Plan N, another may offer a better price for Plan G. Each company has its own set of advantages and disadvantages regarding its unique plan offerings.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Mutual of Omaha | 6.34% | $136.23 | $98.06 | Lucas | A+ |
| Cigna Health Group | 1.99% | $140.47 | $99.16 | Cuyahoga | A |
| United Health Care | 37.52% | $123.36 | $95.09 | Summit | n/a |
| Continental Life Insurance (Aetna GRP) | 1.78% | $135.01 | $99.04 | Montgomery | A |
In Ohio, ten standardized Medigap plans offer identical coverage, regardless of the insurance company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.
You can visit any healthcare provider that accepts Original Medicare since most plans have no networks. Comparing insurance companies’ costs and policyholder satisfaction ratings will simplify your decision-making.
Medigap Plan Cost in Ohio
Premiums for an Ohio Medicare Supplement plan can cost as little as $45 or as much as $153, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Ohio | ||
| Plan F | $153.54 | Butler | 35% | ||
| Plan G | $123.36 | Stark | 41% | ||
| Plan N | $98.06 | Lorain | 15% | ||
| High Deductible G | $46.91 | Warren | 2.6% | ||
| Plan A | $96.21 | Lake | 0.36% | ||
| Plan K | $55.49 | Delaware | 0.38% | ||
Does Medical History Affect Medigap Prices in Ohio?
Ohio distinguishes itself from other states by prohibiting Medicare Supplement insurance providers from charging higher premiums based on an individual’s medical history during the application process.
Federal law protects individuals’ rights by requiring insurance companies to provide Medigap policies at the most favorable rates, regardless of health status.
It’s also helpful to note that tobacco rates do not apply during the Open Enrollment period or in guaranteed issue situations in Ohio. This means individuals using tobacco products will not be subjected to higher premiums under these specific circumstances.
Final Verdict
Our clients who choose Mutual of Omaha often stay with them for a long because they are simply that good.
Regarding value and enrollment speed, Mutual of Omaha can’t be beaten. They also have an excellent track record for paying claims quickly.
With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, prices, and policies to ensure that you make an informed decision. Let us guide you through this process so your chosen plan best suits your needs.
Article Sources: Mutual of Omaha Medigap Plans | Plan Costs | Ohio Medigap Info | How to Compare | OH AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Ohio that covers everything?
- What does an average Medicare Supplement plan cost in Ohio?
- What are the most popular Medigap plans?
