Ohio Medigap Plans for People Under 65

Enrolling in Medicare is relatively easy since most people know that they must enroll at age 65. Choosing Ohio Medigap insurance plans are not usually as easy.

There are ten different policies available for coverage. There are some basic things to consider when choosing a policy that go beyond price.

There are two parts to Medicare: Part A and Part B. Part A covers inpatient hospital care, short-term skilled nursing care and some home health and hospice care. Part B covers regular outpatient care such as doctor’s office visits, physical and occupational therapy and some home health care.

As healthcare costs have soared, Medicare’s benefits have not kept pace. Many individuals choose to use Ohio Medicare Supplement plans to cover items not covered by traditional Medicare.

Ohio Medigap Plans

All Ohio Medigap plans are standardized and identified by letters. Every plan with the same letter offers the same benefits across all Ohio Medigap insurance companies. One of the biggest differences is the cost. In order to purchase Medigap coverage in Ohio, you must be enrolled in Medicare & be at least 65 or older.

Unlike coverage offered through employers or unions, Ohio Medigap policies cover a single individual only. If your spouse is eligible for Medicare, they must purchase their own policy. Most policies allow you to use your own network of doctors, hospitals, pharmacies, labs and other healthcare providers.

Mutual of Omaha Medigap plans are offered in Ohio, their competitively priced for each policy they offer. They’re also known to have trending lower Ohio Medigap insurance rates for some of their policies over the last few years. They offer many types of insurance, but they’re well known for their Ohio Medicare Medigap plans.

Ohio Medigap Plans for People Under 65

An important note, Ohio doesn’t make it mandatory for insurance companies to offer Ohio Medigap Plans for People Under 65 years old. With that said, some carriers will still offer them to you if you’re under 65. Please contact one of our licensed agents in your area for more details.

Medicare facts in Ohio in 2014:

  • The total amount spent by the state of Ohio on Medicare was over 23 million
    • Average yearly percent growth between 1991-2014 was 6.8%
  • The average amount spent per enrollee was just over $11,000
    • Average yearly percent growth between 1991-2014 was 5.4%

Medicare facts in Ohio in 2015:

  • Out of the total amount of Medicare beneficiaries, 46% were male and 54% were female

What if I have Medicare Part C (Medicare Advantage)?

According to Wesley Wheeler, a licensed agent, Medigap plans CANNOT be used in combination with Medicare Part C. Medicare Part C is also known as a Medicare Advantage and includes:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Private Fee-for-Service plans (PFFS).

These Part C plans also cover costs not covered under Parts A and B but may not give you maximum benefits. Many Medicare recipients switch from Medicare Part C back to Original Medicare. Please speak to one of our licensed agents in your state before switching, there are many factors that come into play and you may not be eligible to change plans and could lose coverage without the option to reinstate it.

Choosing Medigap Plans in Ohio

Medigap plans in Ohio come with ten options to choose from and include additional benefits on top or your traditional Medicare.

These benefits include:

  • Foreign travel emergency health care
  • Additional coverage for skilled nursing care after the first 20 days has been paid by traditional Medicare, this additional coverage is up to 80 days only
  • Some plans cover part of your Part A and/or Part B deductibles
  • Prescription Drug (Part D) coverage is not part of these plans. Be sure you understand any coverage gaps in drug coverage before purchasing a plan.


Leave a Reply

Your email address will not be published. Required fields are marked *