Of the 57,316,561 Medicare Part A and Part B beneficiaries, 24,144,296 have also opted to get Medicare Advantage in the US. We will explain supplemental Medicare in Cleveland, Ohio to help you join the millions of people on supplemental plans.
Medicare plans in Cleveland, Ohio
Over one million Buckeyes are beneficiaries of Original Medicare plans in Ohio. Supplemental plans enhance beneficiaries’ care by offering more opportunities to save on medical care. Below are the average price points of supplemental plans based on a 70-year-old female policyholder.
Medicare Advantage plans
A total of 195,517 Ohio residents have chosen Medicare Advantage plans. There are 79 Medicare Advantage plans available in Cuyahoga county.
Medical Mutual of Ohio has a five-star rating and offers a Local PPO plan. Local PPO allows you to go outside your network for care at a higher cost and without needing referrals to see specialists.
Paramount Elite is next, with a lower MOOP (maximum out-of-pocket) cost and a four-star rating. It features an HMO (Health Maintenance Organization) plan. You must go to healthcare providers within the network but have more robust coverage.
Aetna also has a four-star rating. They offer an HMO-POS plan. This is similar to a regular HMO plan in that you must stay within the network for care, with some out-of-network services permitted.
The average cost of Medicare Advantage plans in Cleveland, Ohio
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Medical Mutual of Ohio | $0 | $5,400 | LOCAL PPO | 5 |
| Wellcare | $0 | $5,500 | HMO | 3 |
| Paramount Elite | $0 | $3,900 | HMO | 4 |
| Cigna | $0 | $4,500 | HMO | N/A |
| Aetna | $0 | $7,550 | HMO-POS | 4 |
Medicare Supplement plans
Private insurance companies provide Medigap Supplement plans to help fill coverage gaps for the care necessary for seniors.
The government provides regular Medicare while you cover the rest of the supplemental premium in Ohio. The benefits you receive depend on your plan.
One of the most popular Medigap plans is Plan G, which provides hospice and preventive care coinsurance. Medigap Plan G doesn’t offer a Part B deductible.
Plan F has the most robust coverage, including all coinsurances listed in Plan G, Part A and B deductibles, and Part B excess charges.
Plan N is the cheapest popular supplemental plan for Medicare in Cleveland, Ohio. This plan requires copays for doctors and emergency room visits.
All three plans provide a foreign travel benefit and a skilled nursing facility.
The average cost of Medicare Supplement plans in Cleveland, Ohio
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $86.10 | $402.14 |
| PLAN B | $130.49 | $356.28 |
| PLAN C | $143.44 | $400.72 |
| PLAN D | $121.13 | $309.13 |
| PLAN F | $136.93 | $402.33 |
| PLAN HDF | $40.00 | $91.85 |
| PLAN G | $115.93 | $379.96 |
| PLAN HDG | $40.00 | $70.00 |
| PLAN K | $49.42 | $143.00 |
| PLAN L | $75.25 | $291.93 |
| PLAN M | $92.56 | $331.24 |
| PLAN N | $92.32 | $358.90 |
Medicare Part D prescription drug plans
Part D helps pay for prescriptions. You must pay a monthly premium and yearly deductible, but Part D reduces the price of medications.
Humana provides one of the best Part D plans. It has a four-star rating and is the cheapest in this rating category; the monthly cost is $22.70 and lowers generic prescriptions to $0-$6.
UnitedHealthcare is the next best four-star plan, with a higher monthly cost and a lower yearly deductible. This is an excellent option for anyone taking several medications and name brands.
Wellcare has a three-star rating but provides a cheaper monthly premium. This is the best plan for anyone on a budget, but medications are more expensive due to lower monthly costs.
The average cost of Medicare Part D plans in Cleveland, Ohio
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Wellcare | $12.90 | $480 | 3 |
| Aetna | $7.10 | $480 | 3 |
| UnitedHealthcare | $27.90 | $310 | 4 |
| Humana | $22.70 | $480 | 4 |
| Cigna | $32.50 | $480 | 3 |
Special Needs plans
Special Needs Plans, or SNPs, are split into three categories: Dual, Institutional, and Chronic. Dual SNPs are for low-income beneficiaries, Institutional SNPs are for residents of care facilities, and Chronic SNPs are for those with specific illnesses.
SNPs are not available everywhere. The best plan for D-SNPs (low-income) in Cleveland, OH, comes from Wellcare. Wellcare offers the lowest MOOP and an HMO-POS program.
The best I-SNP (institutional) in Cleveland comes from UnitedHealthcare. It offers an HMO plan, which only allows in-network service, but a low MOOP and decently priced monthly premium.
Finally, the best C-SNP (chronic) comes from Humana. This plan is suitable for anyone with a chronic illness or disability. Their plan is HMO, meaning there is robust coverage for in-network service.
The average cost of Medicare Special Needs plans in Cleveland, Ohio
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO-POS | Dual |
| UnitedHealthcare | $29.80 | $1,000 | LOCAL PPO | Institutional |
| Anthem BCBS | $0 | $7,550 | HMO | Dual |
| Humana | $16.00 | $6,700 | HMO | Chronic/Disability |
| Aetna | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Cleveland
If you want supplemental Medicare in Cleveland, Ohio, contact Medigap.com. We work with all private insurance companies to find the best free plan. You can fill out our online form or give us a call at the number above.
