Medicare Supplement Plans Ohio 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated March 26th, 2024

Navigating the Medicare supplement plans Ohio 2025 updates? Face the future with confidence as we break down the incoming changes to Medigap policies—key adjustments in premiums and regulations—that matter to you. This clear, concise guide positions you to choose wisely among the evolving options for Medicare supplement insurance.


Key Takeaways

  • Ohio Medicare Supplement plans, filling gaps in Original Medicare, are offered by 59 insurers and must be paired with Original Medicare; they may cover international medical care and benefits for services beyond Original Medicare.
  • Proposed changes by CMS to Medicare-related programs might influence premiums and coverage options for Ohio Medicare Supplement plans in 2025, including agent compensation, Medicare Advantage risk adjustments, and behavioral health service coverage.
  • Comparing Medigap plans in Ohio requires attention to premium rating methods (community-rated, issue-age-rated, attained-age-rated), cost variations, and comprehensive plan evaluations, with resources like SHIP and OSHIIP providing guidance and support for beneficiaries


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Understanding Medicare Supplement Plans in Ohio


Understanding Medicare Supplement Plans in Ohio


Medicare Supplement plans in Ohio are designed to cover gaps such as copayments, coinsurance, and deductibles that are not typically covered by Original Medicare. These plans work hand in hand with Original Medicare, where Medicare pays its share of Medicare-approved amounts for covered healthcare costs first, and the Medigap policy pays its share of the remaining costs. With Original Medicare coverage as the foundation, Medicare Supplement plans to provide additional financial protection and peace of mind.

While enrollees must pay a premium in addition to what they already pay for Medicare Part A and Part B, some Medicare Supplement plans provide coverage for services not usually covered by Original Medicare, such as medical care when traveling outside the United States. With Medicare Supplement Insurance, you can have peace of mind knowing you’re covered for these additional services, as opposed to relying on stand-alone Medicare.

In Ohio, there are 59 insurers authorized by the federal government to offer standardized Medigap plans, which are governed by federal and state regulations.


Eligibility Requirements

In Ohio, Medicare beneficiaries are eligible for a Medigap plan if they are within their six-month Medigap Open Enrollment Period, which starts the first month they have Medicare Part B and are age 65 or older. However, it is worth noting that Ohio does not have state legislation that ensures access to Medigap plans for people under age 65.

Insurance companies are not required to sell Medigap policies to those under 65, and they may charge higher premiums if they do. That said, disabled Medicare beneficiaries in Ohio do have an open enrollment period when they turn 65, allowing them to select from the available Medigap plans in the state at that time.


Standardized Plans

Medicare Supplement plans in Ohio are categorized into ten standardized plans, each identified by a letter from A through N. Each plan offers a distinct combination of basic and extra benefits. Plan F is the most comprehensive but is restricted to individuals who were eligible for Medicare before January 1, 2020. Aetna offers the most affordable Plan F option in Ohio.

In contrast, Plan G is the most comprehensive plan available to new Medicare enrollees in Ohio, covering all Original Medicare gaps except the Part B deductible. It is the most popular, with 41% of Medigap subscribers in Ohio selecting it. Plan N, offered by Mutual of Omaha, is the third-most-chosen Medigap plan, striking a good balance between coverage and affordability.


Changes to Ohio Medicare Supplement Plans in 2025



Changes to Ohio Medicare Supplement Plans in 2025


Looking ahead, changes are expected for Medicare Supplement plans in Ohio. The Centers for Medicare & Medicaid Services (CMS) recently issued a proposed rule that could revise Medicare-related programs, potentially impacting Ohio Medicare Supplement Plans in 2025. This includes new guardrails for compensation to agents and brokers to minimize anti-competitive practices, influencing how Ohio residents are enrolled in Medicare Supplement plans.

Updates to the Medicare Advantage risk adjustment model and growth rate calculations related to medical education costs could alter Ohio Medicare Supplement plans’ coverage to reflect individual healthcare costs more accurately. Proposed updates to Medicare Advantage plan network adequacy standards and the eligibility of marriage and family therapists (MFTs) and mental health counselors (MHCs) may affect behavioral health service coverage for Ohio Medicare Supplement plan beneficiaries.


Impact on Premiums

These potential changes could have a significant impact on the premiums for Medicare Supplement plans in Ohio. The CMS Advance Notice for 2025 projects an average increase of 3.70 percent in Medicare Advantage payments, which could influence the financial landscape for these plans.

In addition, the proposed set amount of $642 for agent and broker compensation for Medicare Advantage enrollment may lead to adjustments in Medicare Supplement plan premiums. Changes in Medicare Advantage out-of-network cost-sharing limits for D-SNP PPOs scheduled for 2026 could begin to affect the premiums of these plans as early as 2025. These changes, reflected in the actuarial risk assessments and cost management strategies, could lead to variations in premium costs for Ohio residents enrolled in Medicare Supplement plans in 2025.


Adjustments to Coverage

The proposed changes could also lead to adjustments in the coverage options of Ohio Medicare Supplement plans. The requirement for Medicare Advantage plans to send a Mid-Year Enrollee Notification of Unused Supplemental Benefits is expected to lead to greater use of supplemental benefits within these plans.

The proposed increase in the percentage of dually eligible Medicare Advantage plan enrollees receiving integrated Medicare and Medicaid services may prompt these plans to adjust their offerings for better service integration and expand access, potentially bridging the gap between traditional Medicare and Medicare Advantage.

Beginning in 2025, the capping of the Part D annual out-of-pocket maximum at $2,000 can lead to these plans modifying coverage to let beneficiaries spread out-of-pocket costs monthly over the plan year.



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Comparing Medicare Supplement Plans in Ohio

Comparing Medicare Supplement Plans in Ohio


Given the dynamic nature of Medicare Supplement plans in Ohio, making informed decisions is crucial. Monthly premiums for Medicare Supplement Plan G for a 65-year-old female non-smoker in Ohio range from $100 to $368, highlighting the breadth of cost options available to consumers. The premium costs for these policies in Ohio can be determined in three ways:

  1. Community-rated: Premiums are the same for everyone, regardless of age.
  2. Issue-age-rated: Premiums are based on the age you were when you first purchased the policy. The younger you are when you purchase, the lower your premium.
  3. Attained-age-rated: Premiums are based on your current age. As you get older, your premium will increase.

Understanding these rating methods can help you choose the best Medicare Supplement plan for your needs and budget.

It’s important to compare the same lettered plan across various insurers during the selection of a Medigap policy in Ohio due to possible variations in coverage offerings and costs, even within identical plan types. Hence, both price and benefits should be taken into account when evaluating and comparing plans.


Price Considerations

In Ohio, Medigap policies can be priced based on three models:

  • Community-rated: everyone pays the same premium regardless of age
  • Issue-age-rated: premiums are based on the age at purchase
  • Attained-age-rated: premiums increase with the policyholder’s age.

Medicare Supplement plan costs in Ohio, such as Plan A, G, or N, can range from about $76 to $368 per month, and these premiums can vary significantly with age and gender. High-deductible versions of Plan F and Plan G in Ohio offer lower monthly premiums but require paying a higher deductible before coverage kicks in.

Additional factors affecting the cost of these plans in Ohio include eligibility for household discounts, the insurer’s rate increase history, and whether the premium prices are locked in over time.


Evaluating Benefits

The first step in buying a Medigap policy is to compare the plan benefits of each lettered plan and select the one that meets current and future healthcare needs. Medigap plans cover costs such as Part A coinsurance, Part B copayment, and other out-of-pocket expenses, with some plans offering additional coverage for foreign travel emergency services.

AARP/UnitedHealthcare is considered the best provider for Medicare Supplement plans in Ohio. Here’s why:

  • Low rates
  • High service ratings
  • Variety of plan options, including Plan G
  • Wellness benefits like discounts on health-related services and free gym memberships

Improvements to the Medicare Part D prescription coverage drug benefit structure for 2025, such as the Inflation Reduction Act’s cap on out-of-pocket costs, might affect premiums for Ohio Medicare Supplement plans, which is an important consideration when evaluating benefits.


Enrollment Process for Ohio Medicare Supplement Plans


Enrollment Process for Ohio Medicare Supplement Plans


The process of enrolling in a Medicare Supplement plan is quite straightforward. If you’re applying for a Medigap policy outside the Open Enrollment Period in Ohio, insurers can use medical underwriting to determine acceptance of the application. Obtaining an official quote, accurately completing the application form, and requesting a clearly worded summary of the policy are key steps when applying for a Medigap policy in Ohio.

In Ohio, coverage for a Medicare Supplement Plan begins immediately following the first payment. Medigap policies in Ohio typically take effect the first of the month following the application, and applicants should contact the insurer if they haven’t received their policy or proof of insurance within 30 days.


Initial Enrollment Period

The initial enrollment period for Medicare supplement plans in Ohio begins on the first day of the month. One turns 65 and is enrolled in Medicare Part B, and it lasts for six months. Medicare beneficiaries in Ohio have a guaranteed-issue right to enroll in a Medigap plan during their Open Enrollment Period, which coincides with the Initial Enrollment Period, granting them the opportunity to buy any Medigap policy without health underwriting.

It’s beneficial to enroll in a Medicare Supplement policy during the Initial Enrollment Period when insurers are obligated to sell a policy irrespective of pre-existing conditions, thereby ensuring coverage for expenses not covered by Original Medicare.


Special Enrollment Periods

Insurance companies are required to sell a Medigap policy to an individual outside the Medigap Open Enrollment Period only under specific circumstances that qualify them for a Special Enrollment Period. During a Special Enrollment Period, the types of plan changes and the timing when these changes can be made are determined by the particular life event that triggered the Special Enrollment Period.

When enrolling in a new Medicare Supplement plan during a Special Enrollment Period, coverage begins on the first day of the month after the plan receives the enrollment request.


Additional Resources for Ohio Medicare Beneficiaries


Additional Resources for Ohio Medicare Beneficiaries


Ohio Medicare Supplement beneficiaries can always find support readily available. Ohio offers additional resources such as the Ohio Senior Health Insurance Information Program (OSHIIP) and the State Health Insurance Assistance Program (SHIP), which provide assistance to Ohio residents with questions about Medicare Supplement plans.


State Health Insurance Assistance Program (SHIP)

The State Health Insurance Assistance Program (SHIP) in Ohio aims to empower, educate, and assist Medicare-eligible individuals through objective outreach, counseling, and training, serving as a community resource for Medicare information. SHIP provides free, unbiased counseling for Medicare beneficiaries, offering support with comprehending Medicare choices, including Medicare Supplement plans.

With more than 2,200 local sites and over 12,500 individuals, comprising staff and volunteers, work to deliver SHIP’s services, making the program widely accessible to Ohioans. To receive assistance from SHIP, such as help choosing an insurance company or a ‘Medigap rate comparison shopping guide,’ Ohio residents are encouraged to contact their local SHIP.


Ohio Senior Health Insurance Information Program (OSHIIP)

The Ohio Senior Health Insurance Information Program (OSHIIP) provides support to Ohio seniors by addressing questions about Medicare Supplement plans. OSHIIP plays an active role in consumer protection regarding the purchase and understanding of Medigap policies.

OSHIIP oversees the compliance of Medigap policies with specific federal and state laws designed for consumer protection. OSHIIP aids beneficiaries in reporting any suspected illegal Medigap policy practices to the Inspector General’s hotline.



In summary, Medicare Supplement plans in Ohio play a crucial role in ensuring Medicare beneficiaries have comprehensive coverage. With changes on the horizon due to proposed CMS rules and legislation, it’s important to stay informed and make well-informed decisions regarding these plans. Remember, resources such as OSHIIP and SHIP are available to provide support and answer any queries you may have about Medicare Supplement plans in Ohio.

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Frequently Asked Questions

What is the Medicare Advantage rate notice for 2025?

The Medicare Advantage rate notice for 2025 has not been released yet, but it is typically announced in the spring of the preceding year.


  Are Medicare Supplement plans being phased out?

Yes, Medicare Supplement Plan F is being phased out starting January 1, 2020. However, if you currently have a Plan F, you can keep it as long as you want. If you become eligible for Medicare after January 1, 2020, you can’t purchase a Plan F.


  What are Medicare Supplement plans in Ohio?

Medicare Supplement plans in Ohio help cover gaps in Original Medicare, including copayments, coinsurance, and deductibles. They are designed as an extension of the existing Medicare coverage.


  Who is eligible for Medigap plans in Ohio?

If you are a Medicare beneficiary in Ohio and within your six-month Medigap Open Enrollment Period, which starts the first month you have Medicare Part B and are age 65 or older, you are eligible for a Medigap plan.


  How are Medigap policies priced in Ohio?

In Ohio, Medigap policies can be priced based on community-rated, issue-age-rated, or attained-age-rated, which consider age and other factors to determine premiums. Choose the most suitable pricing option based on your individual needs and resources.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about Medicare Supplement Plans Ohio in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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