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Medicare Supplement Insurance Plans in Ohio

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What Do I Need to Know About Medicare Supplement Insurance Plans in Ohio?

Wapakoneta, Ohio resident Neil Armstrong first uttered the famous words “That’s one small step for man, one giant leap for mankind.” The quote illustrates how taking small steps can result in moving toward a greater goal. Among those who are close to age 65, learning about Medicare including a Medicare Supplement Insurance plan, is an important step. These plans cover things such as coinsurance, deductibles and copayments which Medicare Parts A and B do not cover. If you’re looking for a way to handle these types of out-of-pocket costs, an Ohio Medicare Supplement Insurance plan may be something you want to consider. These plans, which are also sometimes referred to as Medigap, are readily available throughout the state of Ohio from private insurance companies.

In 2022, Ohio residents have many Medigap or Medicare Supplement plans from which to choose.These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare but enrollees have been grandfathered into these plans.

As of 2020, Medicare Supplement Insurance plans will no longer sell Medigap Plans C or F to newly eligible Medicare members. Congress has decided that new Medigap plans will no longer be allowed to cover the Part B deductible after January 1, 2020. This will only affect Medicare Supplement Plans C and F as these are the only Medigap plans that cover the Part B deductible. Anyone enrolled in a Medigap Plan C or F as of December 31, 2019, will be grandfathered and will be able to continue to use their plan as long as they want.

Ohio residents looking for a Medicare Supplement Insurance plan need to first look at their specific coverage needs to determine what Medigap plan to consider.

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Most Popular Medicare Supplement Insurance Plans in Ohio

The statistics below provide an overview of the most popular Medigap plans chosen by Ohio residents. Insurance companies that offer the government approved Medicare Supplement Insurance plans offer the same basic benefits, but those plans may come at different prices based on your place of residence and insurance carrier. Each insurer may not offer each of the available Medigap plans.

As reported by AHIP, 607,170 Ohio beneficiaries enrolled in a Medigap policy in 2019. Below is the breakdown of the number of Ohio enrollees by Medigap plan type.

Enrollment #2,7912,70539,3685,1491,414251,584183,6995462,44610,1422,6813,142498,460

Source: AHIP. Reflects data through December, 2019.

PlanEnrollment #

Source: AHIP. Reflects data through December, 2019.

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Ohio Medicare Supplement Insurance plan does not include prescription drug coverage. However, you can buy an additional Medicare Prescription Drug plan to help you with prescription drug costs. Or you may also want to consider an Ohio Medicare Advantage plan, which typically includes prescription drug coverage and may also include other benefits, such as dental, vision, hearing and gym memberships.

Learn more about your Medicare Supplement Insurance plan options in Ohio by working with a SelectQuote licensed sales agent. Acting as your advocate, our licensed sales agents can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Ohio.

Ohio residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage Insurance plan at the same time. A Medigap plan cannot be used for payment of any expenses for a Medicare Advantage plan.

When is the Enrollment Period for Ohio Medicare Supplement Plans?

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Ohio begins the first day of the month you turn 65 years old. In some special cases, enrollment could happen prior to this time. You also must be enrolled in both Medicare Parts A and B in order to get a Medicare Supplement Insurance plan.

Ohio residents have a six-month window surrounding the birth month to buy a Medicare Supplement Insurance plan. Ohio residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial 6 months you are eligible for Medicare. At the age of 64 and 6 months, you can begin to make important Medicare choices, so enroll as soon as you’re eligible. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. In other words, during this timeframe your acceptance is guaranteed. However, if you apply for Medicare Supplement Insurance outside of this 6-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or premiums may also adjust depending on current health status and pre-existing health conditions.

Is an Ohio Medicare Supplement Insurance Plan Right for You?

As an independent third-party company which specializes in helping consumers understand the ins and outs of Medicare, SelectQuote is here to help you understand the Medicare insurance options available to you. Our personal licensed sales agents will help you get all the available Medicare benefits you deserve and can also show you how to stay up to date in accordance with updates insurance companies make annually. As a trusted Medicare specialist, SelectQuote will help you find the right Ohio Medicare Supplement Insurance plan to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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