Of the 57,316,561 beneficiaries who have Medicare Part A and Part B, 24,144,296 have also opted to get Medicare Advantage in the U.S. To help you join the millions of people on supplemental plans, we will explain supplemental Medicare in Cleveland, Ohio.

Supplemental Medicare Plans in Cleveland, Ohio

Over one million Buckeyes are beneficiaries of Original Medicare plans in Ohio. Supplemental plans enhance the care that beneficiaries receive 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.

Average Medicare Advantage Plans in Cleveland, Ohio

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 the need for 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.

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 HMOPOS 4

Affordable Medicare Supplement Plans in Cleveland, Ohio

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.

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

Cheapest Medicare Part D in Cleveland, Ohio

Part D helps pay for prescriptions. You must pay a monthly premium and yearly deductible, but Part D reduces the price of prescriptions.

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.

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

Medicare Special Needs Plans in Cleveland, Ohio

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 illness.

SNPs are not available everywhere. In Cleveland, OH, the best plan for D-SNPs (low-income) comes from Wellcare. Wellcare offers the lowest MOOP and an HMO-POS plan.

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 chronic illness or disability. The plan they offer is HMO, meaning there is robust coverage for in-network service.

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

FAQs

What Medicare Supplement Insurance Is Available for Cleveland, Ohio?

You can opt for Plan A, Plan F, Plan G, or Plan N supplemental Medicare in Cleveland, Ohio. Plan A has the lowest premium but the least coverage, while Plan F has the most robust coverage and, therefore, the highest cost.

What Is the Average Cost of a Medicare Supplement Plan in Cleveland, OH?

Many factors affect the price of supplemental plans, such as age, plan type, region, smoker or non-smoker, overall health, etc. Patients who are older, smoke tobacco, or have poor health have higher premiums.

How Much Is a Medicare Supplement per Month in Cleveland?

The average standard Plan A for a 65-year-old non-smoking woman is around $125-$186. For a non-smoking man of the same age, the monthly premium is around $131-$197.

What Is the Difference Between Medicare Supplement Plans F and G in Cleveland?

Plan F gives full coverage of all categories with a higher premium. Plan G requires that you pay your own Part B deductible but is much cheaper. Find out more here.

What Is the Most Comprehensive Medicare Supplement Plan in Cleveland?

Plan F is by far the most comprehensive. As we mentioned before, it includes several coinsurances, Part A and Part B deductibles, Part B excess charges, an 80% foreign travel benefit, and more.

How to Sign Up for Supplemental Medicare in Cleveland

If you want supplemental Medicare in Cleveland, Ohio, contact Medigap.com. We work with all private insurance companies and find the best plan for free. You can fill out our online form or give us a call at the number above.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.