The Best Ohio Medicare Supplement Plans (2024)

In Ohio, 65-year-old consumers pay $106 per month on average for a Medicare Supplement plan, while 75-year-olds pay around $175.

The most common plans are F and G, which provide complete coverage (averaging $202.40 and $105.90 per month, respectively). However, Plan F can only be purchased if you were eligible for Medicare before 2020.

The next most common option is Plan N. It provides coverage equivalent to Plans F and G, although there are certain extra costs. Plan N costs $105.50 per month on average for 65-year-olds and $173.68 per month for 75-year-olds.

MoneyGeek ranked the top alternatives for these three plans based on average premiums and benefits gathered through our approach. You can learn more about the different types of plans and coverages so that you can pick the best Medicare Supplement Plan type in Ohio.

According to our data, Aetna is the best company for those looking to get Medigap Plan G in Ohio, which costs $112.95 on average. This provider also offers a $47.57 monthly rate for a high-deductible version of the same plan.

Keep in mind that MoneyGeek only ranks companies that offer online quotes. There might be more insurers in Ohio who are cheaper but don't provide online quotes.

The average cost of Plan G in Ohio is $135.40, but your rates can differ depending on various factors. Plan G's monthly premium for 65-year-olds, for example, varies based on the insurer. Aetna's average cost is $80.30, while Medical Mutual's average cost is $131.80. This means that if you do your research and compare Medigap plans in Ohio before buying one, you might be able to save as much as $51.50 each month.

The cost of Plan G varies according to your age at the time of purchase, your current age, discounts and medical underwriting considerations.

In Ohio, there are 48 companies that provide Plan G. However, not all of them provide rates online. MoneyGeek has compiled the contact information for all Plan G providers in the state to assist you in locating the one that best meets your requirements. We also detail their pricing styles so you can see which ones are more likely to cost more as you age.

Regardless of the plan, all Medigap insurance providers must adhere to a set of guidelines and fulfill certain coverage standards. Plan G is comprehensive, but it excludes Part B deductibles (unlike Plans C and F). You might be eligible for extra benefits outside of the basic package, such as Aetna's Foreign Travel Emergency, depending on your provider.

With an average monthly cost of $176.94, Aetna is the best Medigap Plan F provider in Ohio. Keep in mind that MoneyGeek's rankings are limited to companies who give online estimates, so you may compare cost and coverage by contacting or visiting several providers in the state that provide Plan F.

In Ohio, a Medicare Supplement Plan F costs an average of $202.40 per month. A variety of factors contribute to differences in rates across the state. These factors include your age, provider and discounts, among others.

Humana provides a Medigap Plan F for approximately $164.80 per month to 75-year-olds, which is the lowest premium in the state. The most costly monthly charge is around $252.70 from UnitedHealthcare. That's a difference of roughly $87.90.

In Ohio, 47 companies provide Medigap Plan F. However, not all of them provide online quotes. To request a quote, use the contact information provided by MoneyGeek below. Pricing style indicates which businesses are more likely to charge you extra as a result of your age.

Plan F is a comprehensive solution that is standardized across providers. All companies need to ensure that their Plan F has certain benefits. Others, on the other hand, provide additional benefits to attract more potential policyholders. For example, foreign Travel Emergency coverage is available from Aetna.

With a monthly premium of $88.55, Aetna is the best insurer for seniors in Ohio who want Medigap Plan N. It's worth noting that not all Ohio companies were included in MoneyGeek's analysis. You might be able to discover better prices and deals from insurers that don't provide estimates online.

Plan N costs $139.60 per month on average in Ohio, but your personal cost may vary depending on your provider and factors like your age, discounts and medical underwriting.

Aetna is the cheapest Plan N provider for a 65-year-old residing in the state, with monthly rates costing an average of $88.60. Medical Mutual, on the other hand, charges the most for plan N, with monthly premiums averaging $126.30. That's a difference of around $27.90 each month.

Plan N is available from 48 providers in Ohio. Note that not all providers publish estimates online, making it more difficult to evaluate all Medicare Supplement plans in the state.

MoneyGeek gathered contact information from all Plan N providers in Ohio to assist you in locating the best option. We also show you their pricing techniques so you can figure out which ones will charge you more based on your age.

Every Medigap policy, including Plan N, is standardized and must provide a minimum of benefits. Plan N does not cover Part B deductibles and only pays 80% of international travel expenses up to your plan's maximum. It's also worth noting that depending on the provider, these plans can offer additional benefits. For example, Aetna offers additional Foreign Travel Emergency coverage.

Other plans, including A, B, C, K and L, are less popular in Ohio than G, F and N since they provide less comprehensive coverage. Aside from Plan B where Aetna is our top pick, UnitedHealthcare is deemed as the best for other plans by MoneyGeek. If online quotes were available, we included them in our analysis for each plan type based on our criteria. The companies that have available estimates online are:

• UnitedHealthcare
• Medical Mutual
• Humana
• Aetna

If you become newly eligible for Medicare after January 1, 2020, you won't be able to purchase Plan C in Ohio or elsewhere.

Determining which Medicare Supplement plan is ideal for your requirements might be difficult due to how complex these plans can be. MoneyGeek prepared a comparison chart with all plan types using our collected price data and research to help you compare Medigap Plans in Ohio.

Different degrees of coverage are available across Medigap plans. For example, a plan may cover some or all coinsurance or deductibles. Some plans are only available if you were eligible for Medicare when they first became available. Plan F and Plan C are the most comprehensive plans in general, but they are no longer accessible to new participants because Plan G and Plan D have taken their place.

Compare the coverages and average pricing of various Medicare Supplement plans using the chart below.

A Medigap plan's cost varies depending on the plan's kind and provider. Aetna is the most cost-effective insurer in Ohio for most plan types, but UnitedHealthcare has the most affordable rates for Plans K and L.

Rates can also differ depending on how insurers determine their prices. The various pricing models include:

• Attained-Age: This is the most commonly used pricing method in the state. Premiums are calculated using this pricing method based on your current age. This means that your rates will rise as you become older.
• Issue-Age: Premiums are calculated based on your age at the time you purchase your plan. In Ohio, this is the second most popular price plan.
• Community-Rated: Providers who offer community-rated plans charge the same monthly cost regardless of age.

MoneyGeek answered some of the most frequently asked questions concerning Medigap plans in Ohio below.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Ohio for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.