What Are the Best Medicare Supplement Plans in Ohio?
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AARP/UnitedHealthcare sells the best Medicare Supplement plans in Ohio, including the best option for Plan G. The company has low rates and sells the most Medigap plan options in Ohio. Mutual of Omaha sells the cheapest Plan N, if you're looking for a balance between good coverage and low rates.
If you qualify for Plan F, Aetna is a good choice. You can only buy Plan F if you were eligible for Medicare before 2020. If you're looking for the best Medicare Supplement plans in Ohio, compare rates, plan options and customer satisfaction for each company.
What's the best Medicare Supplement company in Ohio?
AARP/UnitedHealthcare (UHC) sells the best Medicare Supplement plans in Ohio.
The company's combination of low rates, high service ratings and numerous plan options makes it the best overall choice for Medigap plans in Ohio. Aetna's Plan F is a good choice if you qualify. Plan N is a popular choice with low rates, and Mutual of Omaha's Plan N is the cheapest option.
Top Medicare Supplement companies in Ohio
Company | Plan G rate |
Customer satisfaction (out of 5.0)
| |
|---|---|---|---|
| AARP/UnitedHealthcare | $111 | 4.5 |
| Aetna | $111 | 2.5 |
| Mutual of Omaha | $116 | 4.5 |
| Medical Mutual of Ohio | $122 | 1.0 | |
| Anthem Blue Cross Blue Shield | $123 | 3.0 |
| Humana | $141 | 1.0 |
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Plan G is the most popular Medicare Supplement plan in Ohio, with 41% of Medigap enrollees choosing the plan. Plan G has the best Medicare Supplement benefits if you became eligible for Medicare in 2020 or after. Plan F is also popular, but you can only buy it if you were eligible for Medicare before 2020.
Best overall: AARP/UnitedHealthcare
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Editor rating
- Plan K: $46
- Plan A: $84
- Plan L: $90
- Plan N: $91
- Plan G: $111
- Plan B: $121
- Plan F: $146
- Plan C: $154
AARP/UnitedHealthcare sells eight different Medicare Supplement plans in Ohio, which gives you the flexibility to find the right coverage. Both AARP/UnitedHealthcare and Aetna have the cheapest Plan G in Ohio. But AARP/UnitedHealthcare has better customer service than Aetna, making it the best overall Medicare Supplement company in Ohio.
AARP/UnitedHealthcare's Plan G costs 17% less per month than the state average.
In fact, all of AARP/UnitedHealthcare's Medigap plans in Ohio are cheaper than the state averages. And AARP/UnitedHealthcare has 61% fewer complaints about its Medicare Supplement plans than an average company its size, according to the National Association of Insurance Commissioners (NAIC). The low rates, combined with AARP/UnitedHealthcare's high customer satisfaction, make it the best choice for most Medicare Supplement plans in Ohio.
You need an AARP membership to buy Ohio Medicare Supplement plans from UnitedHealthcare. A membership costs just $16 per year. Even with the membership factored in, AARP/UnitedHealthcare has some of the lowest Medigap rates. If you don't already have a membership, you can sign up while you apply for a Medicare Supplement plan.
AARP/UnitedHealthcare's plans come with options for wellness benefits, too. If you choose a plan with "wellness extras," you'll get added coverage.
- Discounts on dental services from dentists in the Dentegra network
- $50 eye exams from participating offices
- An extra $50 discount (in addition to the AARP discount) on no-line progressive glasses lenses and frames from LensCrafters
- An extra $100 discount (in addition to the AARP discount) on brand-name hearing aids
- A 15% discount on hearing accessories
- A free gym membership
Best for Plan F: Aetna
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Editor rating
- *Plan G: $47
- Plan N: $87
- Plan A: $102
- Plan G: $111
- Plan B: $121
- Plan F: $139
Aetna sells the cheapest Medigap Plan F in Ohio. On average, Plan F with Aetna costs $30 per month less than the state average. The company's Plan N option is also cheap, although not as cheap as Mutual of Omaha's Plan N.
Only people eligible for Medicare before Jan. 1, 2020 can buy Plan F. If you qualify, Plan F provides the most robust coverage of all the Medigap plans. Because of its high coverage level, it is one of the most expensive Medigap plans. In Ohio, the average cost for Medigap Plan F is $169 per month. A high-deductible Plan F costs $53 per month, on average.
If you buy a plan from Aetna, keep in mind that the company's customer service isn't as good as it could be. The NAIC reports that Aetna gets 44% more complaints about its Medicare Supplement plans compared to an average company its size.
Aetna Medicare Supplement members have access to a few perks, including a 24/7 nurse line. However, more added benefits are available on Aetna Medicare Advantage plans than Aetna Medicare Supplement policies.
Cheapest Plan N: Mutual of Omaha
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Editor rating
- *Plan G: $45
- Plan N: $85
- Plan A: $94
- Plan G: $116
- Plan F: $142
Mutual of Omaha sells the cheapest Medicare Plan N in Ohio at $85 per month. The company also has high customer satisfaction ratings. If you need a cheap policy but don't want to sacrifice service or coverage, Plan N from Mutual of Omaha is a good choice.
Medicare Plan N offers a good balance between low rates and good coverage. The coverage is nearly at the level of Plan G but is usually cheaper. In Ohio, Plan N costs an average of $120 per month, which is about 10% cheaper than Plan G. Plan N is the third-most-popular Medigap plan in Ohio.
Mutual of Omaha offers several extra benefits with its Medicare Supplement plans.
- Mutually Well: This program offers discounts on wellness services like massages and chiropractic visits. There's also an app that lets you create a personalized health plan, and you can buy an optional discounted fitness program membership.
- Amplifon Hearing Health Care: You can get reduced rates on hearing tests and discounts on hearing aids with this perk.
- EyeMed Vision Care: This gives you a $50 discount on eye exams and 40% off glasses frames (up to $140) at EyeMed-network offices.
How much does a Medigap plan cost in Ohio?
Medicare Supplement plans in Ohio cost between $47 and $206 per month.
The amount you pay will depend on the plan you buy and the company you choose.
Plans G, F and N are the most popular in Ohio, making up 91% of all plans in the state. Plan C, the most expensive plan, makes up 4.9% of statewide plans. Despite being some of the cheapest options, Plans K and L are not popular, likely because they offer far less coverage than the other plans.
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Ohio Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of OH enrollment |
|---|---|---|
| G | $133 | 41% |
| F | $169 | 35% |
| N | $120 | 15% |
| C | $206 | 4.9% |
| J | N/A | 1.3% |
Ohio Medicare Supplement plans for people with disabilities
You might have trouble buying a Medigap plan in Ohio if you are under age 65.
Ohio doesn't require health insurance companies to offer Medicare Supplement plans to people who qualify for Medicare before they turn 65. This includes those who qualify for Medicare due to a disability, Lou Gehrig's disease (ALS) or kidney failure (end-stage renal disease or ESRD).
You might still be able to buy a policy, but you might find that your options are limited. You'll only be able to get a policy from health insurance companies that choose to offer plans to qualifying people under 65.
Frequently asked questions
What are the best Medicare Supplement plans in Ohio?
Medicare Supplement Plans F and G are the best Medigap plans in Ohio because of the amount of coverage they offer. AARP/UnitedHealthcare offers the best Plan G, and Aetna has the best Plan F in Ohio. As you're comparing Medigap plans, you should think about how much coverage you need and what kind of service interactions you want with a company.
How much do Ohio Medicare Supplement plans cost?
Medigap plans in Ohio cost between $47 and $206 per month. Plans with more coverage usually cost more. Medicare Supplement rates also vary based on the company you choose. Your coverage will be the same, though, for any policy with the same plan letter. Medigap plans are standardized, so no matter what company you choose, your plan will cover the same things. Some companies may offer added perks.
What company sells the cheapest Medicare Supplement plans in Ohio?
AARP/UnitedHealthcare has the lowest overall rates for Medicare Supplement plans in Ohio. Plan G is cheapest from AARP/UnitedHealthcare and Aetna. Plan F is cheapest with Aetna. And Plan N is cheapest with Mutual of Omaha. If you're looking for the cheapest plan, you might want to consider a high-deductible Plan F or G. Just know that you'll have to pay for some of your health care yourself before your plan kicks in.
Methodology and sources
Average Medicare Supplement rates are based on actuarial data for private health insurance companies in Ohio. Rates are for a 65-year-old woman who doesn't smoke. These are the prices offered when enrollees first become eligible for a plan, with preferred rates and no medical underwriting. Only companies with a market share of 1.5% or above were analyzed.
The best plans are chosen based on a review of rates, customer satisfaction and financial strength ratings from AM Best. Plan popularity info comes from data compiled by America's Health Insurance Plans (AHIP).
Companies were assigned a customer satisfaction score based on average complaint data from the National Association of Insurance Commissioners (NAIC). The rankings are on a five-point scale, with higher scores meaning lower levels of complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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