Around 298,200 people use Medicare in Cincinnati, Ohio. Less than half of these individuals use Medicare Advantage (MA) or supplemental plans. Go over the benefits of these plans here and work with us to find a plan that meets all your unique needs.

Medicare plans in Cincinnati, Ohio

Explore the costs of supplemental Medicare plans in Cincinnati with this article. Keep in mind that these rates focus on a male that’s 70 years of age. You may also find plans if you fit into a different demographic in Cincinnati.

Medicare Advantage plans

You have access to 66 Medicare Advantage plans in Cincinnati, Ohio, well above the national average of 39 plans. Yet, despite these choices, Cincinnati only has a 46.80% participation rate in these plans.

Start using a MA plan today by exploring these cheap options. Humana (HMO) provides you with the lowest rates, a $0 premium, and a MOOP of $4,700.

You may go over a slightly more expensive United Healthcare (HMO) plan at $4,900 for the MOOP with a $0 premium. United Healthcare has a five-star rating.

MediGold also offers a reasonably priced plan with a $0 premium. The program has a four-star rating and a MOOP of $5,700.

The average cost of Medicare Advantage plans in Cincinnati, Ohio

PLAN PREMIUM MOOP Plan Type Star Rating
MediGold $0 $5,700 LOCAL PPO 4
UnitedHealthcare $0 $4,900 HMO 5
Anthem BCBS $0 $6,700 LOCAL PPO 4
Wellcare $0 $5,500 HMO 3
Humana $0 $4,700 HMO 4

Medicare Supplement plans

Medicare Supplement plans in Ohio help cover the costs not addressed by your Medicare plan. While premiums for these plans vary, they offer the same benefits nationwide.

Each plan has different average costs. For example, Plan G is very popular, with rates that range from $127.46 to $416.24. You may also select a less expensive option, like Plan HDG. This plan has rates starting at $41.79, though they may go up to $70.00.

Plan A can be the most expensive plan, with a low-end premium of $97.49. However, the costliest options under this plan can increase to $446.71.

The average cost of Medicare Supplement plans in Cincinnati, Ohio

PLAN A $97.49 $446.71
PLAN B $145.69 $395.73
PLAN C $153.35 $422.75
PLAN D $132.12 $326.15
PLAN F $148.75 $440.72
PLAN HDF $42.00 $92.51
PLAN G $127.46 $416.24
PLAN HDG $41.79 $70.00
PLAN K $56.12 $149.00
PLAN L $82.17 $324.24
PLAN M $99.04 $367.94
PLAN N $102.15 $393.20

Learn more about the difference between Medigap and Medicare Advantage here.

Medicare Part D prescription drug plans

You can get a Part D plan if you want standalone coverage to help with the costs of prescription medications in Ohio. Note that Medigap plans don’t offer this kind of coverage.

The cheapest Part D plan in Cincinnati comes from Aetna. The company offers a plan with a premium of $7.10 with a three-star rating. You may bump up to a four-star rating by selecting a Humana plan. The company offers a plan with a $22.70 premium and a $480 deductible.

Other four-star options include the offering from United Healthcare. Expect to pay a $27.90 premium for Part D services from United Healthcare.

The average cost of Medicare Part D plans in Cincinnati, Ohio

Aetna $7.10 $480 3
Clear Spring Health $17.00 $480 2
UnitedHealthcare $27.90 $310 4
Wellcare $12.90 $480 3
Humana $22.70 $480 4

Special Needs plans

You may also select a Special Needs Plan (SNP) as a Medicare Advantage plan. These plans assist individuals with special needs or chronic disabilities in Cincinnati. Inexpensive plans start with Humana (HMO), which offers a $0 premium and a $3,450 MOOP.

You may select Wellcare if you’re interested in an HMO-POS. Wellcare charges the same rates as Humana for their SNP. CommuniCare offers a plan designed for chronic disabilities through an HMO. The company charges a $16.00 premium with a $7,550 deductible.

The average cost of Medicare Special Needs plans in Cincinnati, Ohio

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual
UnitedHealthcare $33.50 $7,550 HMO Dual
Anthem BCBS $0 $7,550 HMO Dual
Wellcare $0 $3,450 HMO-POS Dual
CommuniCare $16.00 $7,550 HMO Chronic/Disability

How to sign up for Medicare plans in Cincinnati, Ohio

We work with all carriers, allowing us to provide you with comprehensive information about all your Supplemental Medicare options in the Cincinnati area. We offer you free services in Cincinnati and keep our focus on helping you find the plan that works best for you.

Our agents compare plans that offer the coverage levels you want, allowing you to find an option that works at a price you can afford. Want to learn more about Medicare in Cincinnati, Ohio? Give us a call or complete our rate form to get rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.