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Ohio Medicare Supplement Plans

HealthCare Writer

Updated on February 23rd, 2022

We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.

Original Medicare – which is Medicare Part A and Part B combined – covers many of your healthcare expenses, but you’ll still be responsible for costs like copayments and deductibles.1 Those expenses can quickly add up if you have frequent healthcare needs. 

A Medigap policy, also called a Medicare Supplement plan, provides extra coverage to help cover those healthcare costs. Your Original Medicare pays its contribution toward your expenses, then your Medigap policy contributes to the remaining fees. With a Medigap policy, you may be able to reduce or even eliminate what you  pay out of pocket.

What You Need to Know

Original Medicare covers many healthcare expenses, but you’ll still be responsible for some costs like copayments and deductibles. A Medigap policy can help to cover those out-of-pocket fees. 

To qualify for a Medigap policy, you’ll need to be enrolled in Medicare Parts A and B. 

In Ohio, you can choose from 10 Medigap policies, each offering slightly different coverage. Two plans are available with high-deductible options.

When Can You Enroll in Medigap? 

Like traditional health insurance, Medigap has an Open Enrollment Period, and it’s easiest to enroll during that time. Your Open Enrollment Period automatically begins the month you turn 65 and are enrolled in Medicare Part B.2 During this period, you can buy any Medigap policy available in Ohio, even if you have a preexisting health condition like diabetes.

After your Open Enrollment Period ends, you can still buy a policy, but it becomes more complicated. After this period, insurance companies can deny you coverage if you have a preexisting condition. Insurance companies can also exclude your preexisting condition or require a six-month waiting period before your coverage begins.

However, with guaranteed issue rights, you can change or enroll in a Medigap policy outside of open enrollment without being subject to these restrictions.3 When you have guaranteed issue rights, an insurance company must let you buy a policy. You also can’t be denied coverage for a preexisting condition, and your policy cost can’t be increased. To qualify for guaranteed issue rights, you’ll need to experience a specific event, like moving outside of your Medicare Advantage plan’s service area. 

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Certain events, like losing your current insurance, might qualify you for what’s called a Special Enrollment Period.4 During this period, you can make changes to your coverage. The types of changes that you can make will depend on the type of qualifying event that you’ve experienced. 

Did You Know?

Outside of your Open Enrollment Period, it can be difficult to select or change your Medigap policy – unless you go through certain changes, such as moving to a new area.

Outside of your Open Enrollment Period, it can be difficult to select or change your Medigap policy – unless you go through certain changes, such as moving to a new area.

What Are the Most Popular Medicare Supplement Plans?

Plan TypeTotal Enrolled (Rounded)Percent of Total Enrolled
Plan F252,00041%
Plan G184,00030%
Plan N98,00016%
Source: The State of Medicare Supplement Coverage. ahip.org. Accessed on December 05, 2021.

You can choose from 10 Medigap plans in Ohio.5 Plan F and Plan G also feature high-deductible options. Coverage varies between plans, but Plans F, G, and N tend to be the most popular. It’s important to review the coverage each plan offers to choose the one that’s best for you. Note: Plan F is not available if you are eligible for Medicare after January 1, 2020.

Plan F

Plan F offers the most comprehensive coverage. It includes: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency – 80%

Plan G

Plan G is similar to Plan F, but it excludes the Part B deductible: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges
  • Foreign travel emergency – 80% 

Plan N 

Plan N offers almost the same coverage as Plan F, excluding the Part B deductible and Part B excess charges: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Foreign travel emergency – 80%

You can easily compare Medigap policies with MedicareGuide.com.

How to Choose a Medicare Supplement Plan

Because each plan offers slightly different coverage, it’s important to consider the types of healthcare expenses that you have most often. Look for a plan that covers those costs with a premium that you can reasonably afford. A third-party comparison tool like MedicareGuide.com can help you to easily compare different policies.

How Much Do Medigap Policies Cost? 

The coverage and cost of Medigap plans varies. The following prices reflect a quote for a 65-year-old female and male nonsmoker in Ohio. They can give you a rough idea of Medigap plan costs. 

65-Year-Old Woman, No Tobacco Use

Plan TypePremium Range
Plan F$116-$382
Plan G$92-$361
Plan N$73-$341
Source: Supplement Insurance (Medigap) plans in Ohio. medicare.gov. Accessed December 05, 2021.

65-Year-Old Man, No Tobacco Use

Plan TypePremium Range
Plan F$131-$432
Plan G$104-$408
Plan N$83-$385
Source: Supplement Insurance (Medigap) plans in Ohio. medicare.gov. Accessed December 05, 2021.

What Companies Sell Medigap in Ohio?

AARP – UnitedHealthcare Insurance Company
AIC – PrimeTime Choices
Accendo Insurance Company
American Benefit Life Insurance Company
American Financial Security Life Insurance Company
Anthem Blue Cross and Blue Shield
Assured Life Association
Bankers Fidelity Assurance Company
Capitol Life Insurance Company
Cigna Health & Life Insurance Company
Colonial Penn Life Insurance Company
Combined Insurance Company of America
Continental Life Insurance Company of Brentwood, Tennessee
Elips Life Insurance Company
Erie Family Life Insurance Company
Everence Association Inc.
Federal Life Insurance Company
GPM Health and Life Insurance Company
Garden State Life Insurance Company
Globe Life and Accident Insurance Company
Great Southern Life Insurance Company
Guarantee Trust Life Insurance Company
Heartland National Life Insurance Company
Humana Benefit Plan of Illinois, Inc.
CompBenefits Insurance Company
Independence American Insurance Company
Manhattan Life Assurance Company
Medical Mutual of Ohio
Medico Insurance Company
Mutual of Omaha
Nassau Life Insurance Company
National Guardian Life Insurance Company
National Health Insurance Company
New Era Life Insurance Company
Oxford Life Insurance Company
Pan-American Life Insurance Company
Paramount Insurance Company
Pekin Life Insurance Company
Physicians Life Insurance Company
Puritan Life Insurance Company of America
Sentinel Security Life Insurance Company
Southern Guaranty Insurance Company
State Farm Mutual Automobile Insurance Company
THP Ins. Co
Transamerica Life Insurance Company
USAA Life Insurance Company
Union Security Insurance Company
United American Insurance Company
United Commercial Travelers of America
United Insurance Company of America
United States Fire Insurance Company
Wisconsin Physicians Service Insurance Corporation

A Word of Advice

What you pay for Medigap coverage can vary widely. Remember that if you choose a high-deductible plan, you’ll pay less for your monthly premium, but potentially much more in deductibles once you use services.

What you pay for Medigap coverage can vary widely. Remember that if you choose a high-deductible plan, you’ll pay less for your monthly premium, but potentially much more in deductibles once you use services.

Considering a Medicare Plan?

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Considering a Medicare Plan?

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What If You Want to Change Your Medigap Policy? 

While you can change your policy during your Open Enrollment Period, guaranteed issue rights, or Special Enrollment Period, you won’t have many other opportunities to choose a different plan. This means it’s important to thoroughly research all of the policies to pick the one that works best for your needs so you don’t have to try to change it later.

What Are Alternatives to Medicare Supplement? 

Like Medigap policies, Medicare Advantage plans help to cover some of the costs that you’re responsible for with Medicare Part A and Part B.6 Some Medicare Advantage plans even offer prescription coverage, which Medigap doesn’t offer. 

What Are Medicare Resources in Ohio? 

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Considering a Medicare Plan?

Get online quotes for affordable health insurance


Considering a Medicare Plan?

Get online quotes for affordable health insurance


Considering a Medicare Plan?

Get online quotes for affordable health insurance


Next Steps/Conclusion

Medicare covers many of your healthcare costs, but out-of-pocket expenses like deductibles can still quickly add up. A Medigap policy can help to reduce or even eliminate the fees that you’re responsible for. To learn more, check out How to Choose a Medicare Supplement Plan.



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  1. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov. (accessed November 8, 2020)

  2. Medicare.gov. Medicare. “When Can I Buy Medigap?” medicare.gov. (accessed November 8, 2020).

  3. Medicare.gov. “Guaranteed Issue Rights.” medicare.gov. (accessed November 8, 2020).

  4. Medicare.gov. “Special Circumstances (Special Enrollment Periods).” medicare.gov. (accessed November 8, 2020).

  5. Medicare.gov. “Benefits Offered by Each Medigap Plan.” medicare.gov. (accessed November 8, 2020).

  6. Medicare.gov. “Medicare Advantage Plans.” medicare.gov (accessed November 8, 2020).