Best Medicare Supplement Plans in Ohio
Allstate and Cigna offer the best Medicare Supplement plans at the most affordable rates in Ohio.
- Allstate’s Plan G: With a monthly premium of $128.14 in Hamilton County, this plan is 12% more affordable on average. Allstate also offers an impressive stackable discount of up to 25%. As a bonus, members will have access to the Active&Fit fitness program.
- Cigna’s Plan N: Priced at $89.86 per month in Franklin County, Cigna offers up to a 25% discount for eligible members and includes access to the Healthy Rewards program. Cigna also provides a user-friendly online portal for easy management of your healthcare needs.
After conducting a thorough review of Allstate and Cigna, we have discovered that they both offer a variety of Medigap plans in Ohio that are guaranteed renewable. These plans provide comprehensive coverage, and both companies offer attractive discounts for households and the option to add dental, vision, or hearing policies for further coverage.
Allstate and Cigna have proven exceptional options for individuals seeking comprehensive Medicare coverage in Ohio. However, it is important to note that the final decision should be based on individual needs and preferences.
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Plan G Highlights
Plan G: $128.14 per month (average)
Plan Features:
The benefits offered with Allstate’s 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: $89.86 per month (average)
Plan Features:
Medigap Plan N from Cigna 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 Allstate and Cigna:
Best Plan G Rates: Allstate
65: $113.42
70: $116.97
75: $138.48
65: $128.14
70: $134.52
75: $159.25
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: Cigna
65: $78.14
70: $86.69
75: $100.49
65: $89.86
70: $99.25
75: $115.57
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 Medicare beneficiaries in Ohio.
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.
What's the Best Medigap Insurance Company in Ohio?
The overall best Medigap providers in Ohio are Allstate and Cigna.
Allstate and Cigna offer relatively cheaper Medigap plans in Ohio, making them the most popular providers 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 |
| Allstate Health Solutions | 0.01% | $128.14 | $96.97 | Shelby | A+ |
| Cigna Health Group | 1.99% | $131.52 | $95.48 | Cuyahoga | A |
| ACE Insurance Company | 0.06% | $130.75 | $99.75 | Clark | A+ |
| Aflac | 0.02% | $138.93 | $106.01 | Trumbull | A+ |
| Mutual of Omaha | 6.34% | $136.23 | $98.06 | Lucas | 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 $46 or as much as $200, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Ohio | ||
| Plan F | $148.67 | Butler | 35% | ||
| Plan G | $122.17 | Stark | 41% | ||
| Plan N | $95.48 | Lorain | 15% | ||
| High Deductible G | $46.91 | Warren | 2.6% | ||
| Plan A | $96.21 | Lake | 0.36% | ||
| Plan K | $55.49 | Delaware | 0.38% | ||
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.
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 Allstate and Cigna often stay with them for a long time because they are simply that good.
Regarding value and enrollment speed, Allstate and Cigna 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: Allstate | Cigna | 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?
