The Best Ohio Medicare Supplement Plans (2022)

For individuals looking for a Medicare Supplement plan in Ohio (commonly known as Medigap), there are ten programs to choose from. However, different plans are available depending on when you become eligible. Aetna was our top insurer for these plans in the state.

It's also worth noting that you can't buy both a Medigap and a Medicare Advantage plan in Ohio or other states. In Ohio, Medicare Advantage Plans replace all Medicare plans, including Original Medicare.

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Last Updated: 9/14/2022
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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.

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Best Medicare Supplement Plans in Ohio

Best Medicare Supplement Plan G 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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $112.95

Aetna, our top pick across Medigap Plan G providers in Ohio, costs $112.95 per month. This is cheaper than the state average of $135.40. It pays for overseas travel emergency treatment if it occurs within the first 60 days of your trip and Medicare doesn't cover it.

You can also choose Aetna's high-deductible Plan G, which requires you to pay out-of-pocket for Medicare-covered charges (coinsurance, copayments and deductibles) up to a $2,490 deductible, but has a lower monthly premium. To get an estimate, contact Aetna.

MORE ABOUT PLAN G IN OHIO

Navigate to learn more about Medigap Plan G in Ohio, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Ohio

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.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $80
  • Humana
    $101
  • UnitedHealthcare
    $118
  • Medical Mutual
    $132

Providers Offering Plan G in Ohio

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.

Providers Offering Plan G in Ohio

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  • Company
    Contact Number
    Pricing Style
  • PrimeTime Choices
    1-877-863-1791
    Attained Age
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan G Cover?

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.

Required Benefits of Plan G in Ohio
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in XXXXstate

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $176.94

Aetna's Plan F costs roughly $176.94 per month, which is lower than the average cost of the same plan in Ohio, $202.40. Additional benefits are available through this plan, such as Foreign Travel Emergency, which pays for emergency medical care that you may need anywhere in the world.

MORE ABOUT PLAN F IN OHIO

Navigate to learn more about Medigap Plan F in Ohio, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Ohio

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.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $142

Providers Offering Plan F in Ohio

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.

Providers Offering Plan F in Ohio

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  • Company
    Contact Number
    Pricing Style
  • PrimeTime Choices
    1-877-863-1791
    Attained Age
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

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.

Required Benefits of Plan F in Ohio
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Ohio

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $88.55

Aetna's Plan N is much less expensive than the $139.60 average cost of Plan N in Ohio. Aetna also provides benefits that aren't covered by Plan N, such as Foreign Travel Emergency. This benefit means that if you require emergency medical help while abroad, your Aetna Medicare Supplement plan will cover you.

MORE ABOUT PLAN N IN OHIO

Navigate to learn more about Medigap Plan N in Ohio, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Ohio

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.

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  • Company
    Sample Monthly Rate
  • Aetna
    $89
  • UnitedHealthcare
    $103
  • Humana
    $110
  • Medical Mutual
    $126

Providers Offering Plan N in Ohio

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.

Providers Offering Plan N in Ohio

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  • Company
    Contact Number
    Pricing Style
  • PrimeTime Choices
    1-877-863-1791
    Attained Age
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan N Cover?

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.

Required Benefits of Plan N in Ohio
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Ohio: Other Plan Types

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.

The Best Medicare Supplement in Ohio - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $90.58

  • B

    Aetna

    $122.79

  • C

    UnitedHealthcare

    $304.97

  • F

    Aetna

    $176.94

  • G

    Aetna

    $112.95

  • K

    UnitedHealthcare

    $52.91

  • L

    UnitedHealthcare

    $101.56

  • N

    Aetna

    $88.55

How to Find the Best Medicare Supplement Plans in Ohio

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.

Ohio Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Ohio

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.
Average Cost of Medicare Supplement in Ohio

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $94
  • Aetna
    $104
  • Humana
    $106
  • Medical Mutual
    $107

FAQs About Medicare Supplement Plans in Ohio

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

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.