Ohio Medicare Supplement (Med Sup) Plans play a crucial role in enhancing healthcare coverage for Medicare beneficiaries in the state. In OH, depending on your insurance company, you may have free access to Silver Sneakers. Whether you’re new to Medicare or considering switching plans, exploring the ins and outs of Medigap in Ohio is key to making informed decisions.
Ohio Medigap Plans: Basics
Medigap policies provide additional coverage to Medicare beneficiaries, helping to fill the gaps in their healthcare expenses. With ten standardized plans to choose from, labeled with letters A to N, Ohio residents have a range of options tailored to their specific needs.
Private insurance companies in Ohio sell Medigap plans, offering competitive pricing and diverse coverage options. The availability and cost of Medigap plans may vary depending on the insurance company. It’s important to carefully review the details of each plan, considering factors such as premiums, deductibles, and coverage limits, before making a decision.
When selecting a Medigap (Med Supp) plan in OH, it’s crucial to assess your healthcare needs, budget, and future expectations. This is why it is so important that you work with a licensed independent insurance agent to help you select the right plan. Feel free to call Senior65.com at 800-930-7956. There is never a charge or hidden fee to work with us.
What are the Ohio Medigap Plans?
Plans available if you qualified for Medicare after January 1, 2020:
| Benefits | A | B | D | G** | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,060 | $3,530 |
**Medigap Plan G High Deductible is identical coverage with a high deductible of $2,800.
If you were Part B eligible before January 1, 2020, you may be able to enroll in Medigap Plan F.
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When is the ideal time to enroll in an Ohio Medigap plan?
During your Initial Open Enrollment Period, which begins the month you turn 65 and have Medicare Part B, you can enroll in an Ohio Medigap plan. For six months, you have open enrollment to choose any Medigap plan without medical underwriting. Use our Senior65.com deadline calculator to determine your Medicare insurance start date.
If you miss the initial open enrollment period, you can still enroll in a Medigap plan in Ohio, but you may undergo medical underwriting. This could result in higher premiums or potential denial of coverage based on your health. (Source)
Switching Medigap Plans in Ohio: Birthday Rule
In some states, the Medigap Birthday Rule lets you switch Medicare Supplement plans without medical underwriting, which is great for those with pre-existing conditions on a high-cost plan. Unfortunately, Ohio doesn’t have this rule. Moreover, AEP Open Enrollment that runs from Oct 15-Dec 7 does NOT apply to Medigap plans in your state.
In Ohio, you are allowed to switch Medigap plans at any time but you will typically have to go through medical underwriting before being approved on a new plan. The new Med Supp application will ask roughly 20 questions about your health status and, based on your responses, you may be approved at the best rate or a higher rate. Those will certain pre-existing conditions will be declined from the new plan.
If you’re considering changing your policy, feel free to reach out to Senior65.com for free advice or check out our detailed article, “Medicare Insurance Switching: Ultimate Guide.”
Extra Benefits and Ohio Medigap Discount
Depending on the insurance company you chose for MedSup coverage, you may have access to free Silver Sneakers or similar fitness memberships. This fitness program provides members with the opportunity to engage in a wide range of physical activities and wellness programs at participating gyms and fitness centers throughout the United States.
With these added fitness memberships, individuals in Ohio can enjoy exercise classes, strength training, cardiovascular workouts, and social events that are specifically designed to meet their age and fitness level.
If both you and your spouse enroll in a Medigap plan with the same insurance provider, you may be eligible for a Household Discount of up to 12% off the total premium. This discount applies even if your spouse is already enrolled in the plan and you are newly applying for coverage. It’s a great way to save on your Medigap insurance costs. To learn more about the HH Discount, read our Household Discount Article on Senior65.com.
The Roommate Discount is another awesome option with very few requirements. Read more in our article: “What is the Medigap Roommate Discount and How do I get it?”.
Get a Medigap Quote Enroll in Medigap
Medicare Part B Excess Charges in OH
If your doctor doesn’t accept the amount Medicare agrees to pay for a service, they may charge you up to an additional 15% of the bill. This fee is known as an excess charge. The good news is that Ohio policyholders don’t face excess charges, which are prohibited. Learn more in our article “How To Avoid Medicare Excess Charges“.
What to do now for OH Medigap
Now, you’ll want to get an instant Ohio Medigap quote here or call us at 800-930-7956. Simple as that!
Remember, our Senior65.com team will NOT charge you a fee for our services!