Best Medicare Supplement Plans in Ohio

Written by: 
Matt Kiggins
Last updated: 
Aug 14, 2023

A Medicare Supplement insurance plan in Ohio is a type of policy that fills in gaps that Original Medicare misses. There are ten Medicare Supplement plans to choose from.

  • Out of all the different Medicare Supplement plan options available to residents in Ohio, Mutual of Omaha's version of Medicare Supplement Plan G is one of the best in terms of price and coverage. For only $111 a month, this plan provides some excellent benefits.
  • We also found Mutual of Omaha offers the best Medicare Supplement Plan N rates at $80 per month; for those that want the best monthly value without compromising coverage.
  • Mutual of Omaha's version of the High Deductible Plan G only costs $40 per month while still providing great coverage, making it an affordable option for Medicare beneficiaries. The plan provides access to the same benefits as the standard Plan G, after you meet the annual deductible of $2,700.

You can find all the information you need about Medicare Supplement plans below, including key benefits and a list of companies with the most competitive prices.

Best Plan G:

Mutual Of Omaha Medicare Supplement Plan G

If you need comprehensive coverage, Mutual of Omaha's Medicare Plan G will give you precisely what you are looking for. This plan takes care of nearly all your out-of-pocket expenses except for the Part B deductible.

Choosing Plan G offers several key advantages:

  • Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
  • No referrals are required.
  • Freedom to see any medical provider willing to accept Original Medicare.

Monthly Plan Cost: $111

*Quotes for a 65 year old non smoking female, in zip code 43001.

Best Plan N:

Mutual Of Omaha Medicare Supplement Plan N

If you’re looking for a Medigap plan that won’t break the bank, Mutual Of Omaha Plan N is your best bet. Plan N provides a more affordable premium than Plans F and G without compromising on quality.


Plan N provides several advantages including:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out of Pocket Expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits


Monthly Plan Cost: $80

*Quotes for a 65 year old non smoking female, in zip code 43001.

Best High Deductible Plan G:

Mutual of Omaha High-Deductible Plan G

  • Although you'll have to pay a yearly deductible of $2,700 before the coverage kicks in, this plan provides all the same benefits as Medicare Plan G. Best part? It comes with significantly lower premiums compared to its counterpart.

Monthly Plan Cost: $40

*Quotes for a 65 year old non smoking female, in zip code 43001.

Best Full Coverage

Cigna Medicare Supplement Plan F

  • For seniors looking for comprehensive coverage, Cigna Plan F is the most complete of all Medigap plans. It not only covers Part A and B deductibles but also additional coinsurances. To qualify, individuals must already be enrolled in Original Medicare before January 1st 2020.

Monthly Plan Cost: $133

*Quotes for a 65 year old non smoking female, in zip code 43001.

Find Plans in Your Area
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What's the Best Medicare Supplement Company in Ohio?

Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in Ohio.

While Mutual of Omaha Medigap plans tend to be more affordable in Ohio, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.

For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in Ohio, including sample premiums, ratings, and market share:

Cigna

Market share: 1.78%

Plan G cost: $117

Plan N cost: $83

Financial strength: A

Mutual of Omaha

Market share: 7.24%

Plan G cost: $111

Plan N cost: $80

Financial strength: A+

Aetna

Market share: 6.68%

Plan G cost: $115

Plan N cost: $83

Financial strength: A

United Healthcare

Market share: 34.9%

Plan G cost: $107

Plan N cost: $84

Financial strength: A

How Much Does a Medigap Plan Cost in Ohio?

The best price for Medicare Supplement Plan G in Ohio is $111 per month with Mutual Of Omaha.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Plan K

Monthly Cost

$133

$111

$80

$40

$80

$46

Plan Popularity in Ohio

60%

45%

25%

15%

8%

-1%

Quotes are for sample purposes only. Prices are the average monthly rate in Ohio for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When Can I Apply for a Medicare Supplement Plan?

An application for a Medigap plan in Ohio is best made within the Medigap Open Enrollment Period. This time allows you to compare plan options with the insurer and review Medicare benefits pricing. For age specifics, see below.

At 65 or older, you can enroll in any Medicare Supplement insurance plan in Ohio in the six months after you have enrolled into Part B (this period can't be changed or repeated).

When turning 65, you can enroll during the first month that you are 65 years old. This begins a six-month enrollment period, and again, Part B coverage is necessary for enrollment.

If under 65, eligibility is reduced. Some states are required to sell Medigap policies to those under 65 with a qualifying disability or ESRD (end-stage renal disease). Pricing for these Medicare plans usually costs more.

Beneficiaries receive the lowest possible rates during the open enrollment period and no Medicare insurance company can deny the beneficiary access to any plan. Medical underwriting is not allowed during the open enrollment period. This means that a beneficiary's current and pre-existing health conditions are not a factor in pricing. All of these benefits are called guaranteed issue rights. In certain situations, you may have guaranteed issue rights, which can be applied in cases such as losing coverage or having a plan that no more extends services in your area. These unique situations are called Special Enrollment Periods. During these times, you can enroll without being charged more.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.

FAQ

Mutual of Omaha and Cigna are two of the most reliable providers in the state. Both companies offer a wide range of plans with varying levels of coverage, so you can find one that fits your needs and budget.

Ohio's premium range for Medicare Supplement plans is about $40-$250 per month.

In Ohio, Plan G has a monthly premium range of $111 - $135. The amount you pay for premiums can vary based on age, gender, history of tobacco use, and where you live.

You can apply for a Medicare Supplement plan at any time. Switching to a new Medigap plan during your open enrollment period or when you have guaranteed issue rights is recommended to avoid medical underwriting. Otherwise, you may face higher charges or even be denied coverage based on your health history.

Suppose you apply for a Medigap policy outside of the allotted open enrollment period and don't meet the requirements for guaranteed issue rights. In that case, it's possible that you could be denied coverage due to any health issues you may have.

Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

Read Full Bio
Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com
Insurance Licenses & Lines of Authority

Matt Kiggins is the producer appointed to oversee the content written on SimpleAdvisor.com.

Every agent representing PG holds a state-issued producer license for the states they serve.

Below is a list of Matt's active state license numbers:

Alabama

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755279

3001965232

9559070

9559070

0H72252

519936

9559070

3001965305

P116762

3072590

932489

9559070

3799890

9559070

911784

709135

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3001965303

9559070

40593901

10859393

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100159294

9559070

3191612

9559070

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9559070

9559070

1439768

100254887

9559070

790297

3001965331

9559070

40642669

2331396

1585860

3001965244

822139

9559070

9559070

322182

Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.

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