LifeShield National offers Ohio's best Plan G rate at $142 monthly, and MedMutual Protect provides the cheapest Plan F at $135 monthly. Your premium changes with your age, selected plan letter and insurer's pricing approach.
Best Medicare Supplement Plans in Ohio (2026)
Updated: January 26, 2026
Advertising & Editorial Disclosure
Key Takeaways
LifeShield National has Ohio's cheapest Plan G while MedMutual Protect offers the lowest Plan F rates.
Ohio's Medicare Supplement premiums run $39 to $596 monthly depending on your age and which plan you choose.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in Ohio
| USAA | A | $117 | $79 | Attained Age Pricing |
| Aetna | B | $196 | $57 | Attained Age Pricing |
| Paramount | C | $185 | $118 | Attained Age Pricing |
| THP Ins. Co | D | $154 | $43 | Attained Age Pricing |
| MedMutual Protect | F | $135 | $117 | Attained Age Pricing |
| LifeShield National | G | $142 | $102 | Attained Age Pricing |
| Transamerica | K | $82 | $17 | Issue Age Pricing |
| Everence Association Inc. | L | $121 | $49 | Issue Age Pricing |
| New Era | M | $99 | $26 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Plan G Rate
$142Plan Types
A, F, G
MedMutual
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.4/5Pricing Style
4/5Plan Availability
Average Plan G Rate
$158Plan Types
A, D, F, G
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$158Plan Types
A, F, G
Aetna Medicare
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$180Plan Types
A, B, F, G
Paramount
MoneyGeek Rating
4/ 5
4.8/5Affordability
3.6/5Pricing Style
2.7/5Availability
Average Plan G Rate
$169Plan Types
A, C, F, G
The Health Plan
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
4/5Pricing Style
3.2/5Availability
Average Plan G Rate
$154Plan Types
A, C, D, F, G
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$179Plan Types
A, B, C, D, F, G, K, L, M
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Availability
Average Plan G Rate
$200Plan Types
A, F, G, L
New Era
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.1/5Pricing Style
4.1/5Availability
Average Plan G Rate
$160Plan Types
A, C, F, G, M
Best Medicare Supplement Plan G in Ohio
Medicare Supplement Plan G is the most popular Medigap option in Ohio, offering comprehensive coverage with predictable out-of-pocket costs. While benefits are standardized across insurers, premiums can vary greatly. LifeShield National has the cheapest Plan G in the state, at $142 per month. The table below highlights the best Medicare Supplement Plan G options in Ohio, comparing monthly and annual costs along with potential savings to help you identify the most affordable providers.
| LifeShield National | $142 | $102 | $1,704 | $1,226 |
| Atlantic Capital | $143 | $102 | $1,710 | $1,220 |
| Erie Family | $146 | $98 | $1,752 | $1,178 |
| Wellcare | $149 | $95 | $1,788 | $1,142 |
| THP Ins. Co | $154 | $90 | $1,848 | $1,082 |
| AFLAC | $155 | $89 | $1,860 | $1,070 |
| Globe Life | $156 | $88 | $1,872 | $1,058 |
Best Medicare Supplement Plan F in Ohio
Ohio beneficiaries shopping for Medicare Supplement Plan F can still find meaningful price differences despite standardized benefits. Depending on the insurer’s pricing model and deductible structure, monthly premiums in the state start at $135 and increase beyond $151. Some carriers price Plan F well below the statewide norm, creating opportunities for substantial yearly savings. The table below compares leading Plan F providers in Ohio, highlighting monthly costs and estimated savings to help identify the best value.
| MedMutual Protect | $135 | $117 | $1,614 | $1,404 |
| LifeShield National | $141 | $111 | $1,686 | $1,332 |
| Wellcare | $142 | $109 | $1,704 | $1,314 |
| Atlantic Capital | $144 | $107 | $1,731 | $1,287 |
| USAA | $148 | $103 | $1,776 | $1,242 |
| AFLAC | $151 | $101 | $1,806 | $1,212 |
| Heartland National | $151 | $100 | $1,812 | $1,206 |
Personalized Ohio Medicare Supplement Plan Recommendations
Select your age and desired plan type in the table below. Ohio insurer rates vary across ages and coverage options.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $117 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $124 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $128 | $0 | Attained Age Pricing |
| Medical Mutual of Ohio | A | No | 65 | $132 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $133 | $0 | Attained Age Pricing |
| Paramount | A | No | 65 | $135 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $141 | $0 | Attained Age Pricing |
| Atlantic Capital | A | No | 65 | $143 | $0 | Attained Age Pricing |
| AIC | A | No | 65 | $143 | $0 | Attained Age Pricing |
| New Era | A | No | 65 | $143 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Ohio
In Ohio, Medicare Supplement insurance costs average $204 monthly for 65-year-olds. Monthly costs range from $99 to $303, with Plan K costing the least and Plan C costing the most.
Two popular plans average:
- Plan G: $244 monthly ($2,928 annually)
- Plan F: $251 monthly ($3,012 annually)
Provider selection, enrollment age and pricing methodology (attained age, issue age or community-rated) all determine your actual cost.
| A | $196 | $2,352 |
| B | $253 | $3,036 |
| C | $303 | $3,636 |
| D | $197 | $2,364 |
| F | $251 | $3,012 |
| G | $244 | $2,928 |
| K | $99 | $1,188 |
| L | $170 | $2,040 |
| M | $125 | $1,500 |
How to Choose the Best Medicare Supplement Plan
Compare Ohio providers after you've selected your plan type. Evaluate insurers using these factors.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Ohio Medicare Resources
Ohioans evaluating Medigap coverage can access these resources:
- Ohio Senior Health Insurance Information Program (OSHIIP): Ohio's SHIP program has certified over 800 volunteers statewide since 1992. Hotline experts and local counselors meet beneficiaries in person or by phone. Call (800) 686-1578 or (614) 644-3458. Email oshiipmail@insurance.ohio.gov. OSHIIP has saved Ohio Medicare beneficiaries hundreds of millions of dollars through personalized counseling and published shopper's guides.
- Ohio Department of Insurance - Consumer Services Division: File complaints online, by phone, mail or email. Call (800) 686-1526 for general insurance questions. Consumers should contact insurers first before filing. The ombudsman assists consumers who haven't resolved issues with the department. Call (614) 644-2651 or email ombudsman@insurance.ohio.gov.
- Ohio Area Agencies on Aging: Network of 12 regional agencies providing transportation, meals, caregiver support and home-based care. OhioAging.org connects residents to local agencies serving specific counties. Agencies coordinate over 250 providers statewide for older adults and people with disabilities.
- Medicare.gov: Search plans by ZIP code using the Plan Finder tool and compare coverage options available in your area.
Medicare Supplement Plans in Ohio: FAQ
Find answers to frequently asked questions about Medigap coverage in Ohio.
When is Medicare Supplement open enrollment in Ohio?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Ohio Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Ohio Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.