Medicare Supplement in Ohio

Jory Cross by Jory Cross | Licensed since 2012
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This article was updated on: 09/16/2018

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Medicare Supplement (Medigap) plans help with certain costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. If you’re just starting your search for Medicare Supplement plans in Ohio, this article will take you through a quick overview.

Who’s eligible for Medicare Supplement plans in Ohio?

You might be eligible for Medicare Supplement plans in Ohio if you’re 65 or older and enrolled in Original Medicare, Part A and Part B.

If you’re under 65 and have Medicare because of disability or another health condition, you might not be able to get a Medicare Supplement policy. Ohio doesn’t require private insurance companies to sell Medicare Supplement plans to those under 65. Some companies may still choose to sell Medicare Supplement plans to younger beneficiaries, but it may cost more for coverage, and the company may require medical underwriting.

In some cases, Medicare Supplement plans might cost less when you buy the plan during your Medigap Open Enrollment Period. This is the six-month period that starts when you’re 65 or older and have Medicare Part B. During this time, you have a guaranteed-issue right to any Medicare Supplement plan sold where you live, without paying more or being denied coverage because of a health condition. You might have a waiting period before coverage of a health condition begins.

After this period is over, companies that sell Medicare Supplement plans can charge you higher premiums if you have pre-existing conditions; your application may also be rejected altogether.

The Ohio Department of Insurance has a guide if you’d like more info on Medicare Supplement plans in Ohio.  Click here to read it.

What may Medicare Supplement plans in Ohio cover?

In most states, including Ohio, Medicare Supplement plans are available in up to 10 standardized plan types, each labeled with a different letter (such as Plan F). Benefits across each plan letter are the same, regardless of where you live or which company you bought it from.

Medicare Supplement plans vary in coverage and may cover Medicare’s out-of-pocket costs like:

  • Cost-sharing (coinsurance, copayments, deductibles)
  • Medicare Part B excess charges
  • Limited emergency overseas health coverage
  • First three pints of blood

In addition, some Medicare Supplement plans include an out-of-pocket limit that caps your yearly Medicare costs (Original Medicare notably has no maximum limit). For a side-by-side comparison of the different Medicare Supplement plans, see this benefits chart.

How can I get Medicare Supplement plans in Ohio?

Because Medicare Supplement plans in Ohio cover the same benefits across each standardized plan, the biggest difference with plans of the same letter may be the cost. So, taking the time to research Medicare Supplement plans may save you money.

If you’d like to start finding Medicare Supplement plans in Ohio, Medicare.com has a Medigap plan finder tool to make it easy to compare plans side by side. You can also learn more about other Medicare coverage options in Ohio, or find Medicare Advantage and Medicare Part D prescription drug coverage options.

Would you like help finding coverage that may fit your needs? Just use the links below to set up a phone call, or request a personalized email from me with coverage information. To browse on your own time, the Compare Plans button is just a click away.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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