In Ohio, 43.80% of beneficiaries of Medicare’s Part A and Part B programs have a supplemental plan. Below, we will discuss why 237,380 residents have opted to use supplemental Medicare in Columbus, Ohio, to fill in coverage gaps.

Supplemental Medicare Plans in Columbus, Ohio

We will break down supplemental plans in Ohio, their general price points, benefits that you can receive on different plans, and more. Below, we have included quotes based on a 65-year-old male.

Affordable Medicare Advantage Plans in Columbus, Ohio

Men make up 46.11% of Ohio’s population with Medicare supplemental plans. Supplemental Medicare is beneficial as it covers a range of out-of-pocket costs. There are 60 Ohio Medicare Advantage plans available in Franklin County.

UnitedHealthcare offers seniors an HMO Plan (requiring in-network care with lower copays and better coverage). They also have a five-star rating.

Medical Mutual of Ohio also offers a five-star plan. Though their premium is higher than UnitedHealthcare, they offer Local PPO (which allows you to use out-of-network providers at a higher cost than in-network providers).

Humana, which has a four-star rating, has a higher premium because they offer a Regional PPO plan. Your coverage area is much larger, including a whole region rather than just a county.

Carrier Premium MOOP Plan Type Star Rating
Aetna $0 $5,200 HMO-POS 3
Medical Mutual of Ohio $0 $5,900 LOCAL PPO 5
MediGold $0 $4,500 HMO 4
UnitedHealthcare $0 $4,900 HMO 5
Humana $0 $7,550 REGIONAL PPO 4

Cheapest Medicare Supplement Plans in Columbus, Ohio

Because Medigap plans are standardized across the nation, the price of the monthly premium changes while benefits remain the same. Each plan has unique benefits to supplement Ohio Medicare.

The most popular plans include Plan G, Plan F, and Plan N. Most Medicare users agree that Plan F is best due to its coverage. It covers all coinsurance categories, a Part A and Part B deductible, and Part B excess charges. It also offers a foreign travel benefit.

Plan G is second best, as it only excludes the Part B deductible. Consequently, it is cheaper than Plan F.

Finally, Plan N excludes the Part B deductible and excess charges. It requires copays for Part B Coinsurance. It is the cheapest of the three options but has more limited coverage.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $88.58 $365.69
PLAN B $132.03 $332.12
PLAN C $136.89 $413.87
PLAN D $116.55 $277.07
PLAN F $128.36 $431.73
PLAN HDF $34.00 $72.94
PLAN G $115.77 $407.75
PLAN HDG $34.00 $56.81
PLAN K $50.91 $128.12
PLAN L $73.25 $270.94
PLAN M $91.40 $296.72
PLAN N $87.90 $385.16

Average Medicare Part D in Columbus, Ohio

Part D covers prescription medications in Ohio not included in Original Medicare. These plans are essential to saving money on prescriptions every month. Medigap does not offer this coverage, but Medicare Advantage does.

The most popular plans for Part D Medicare in Columbus, Ohio, come from Humana, UnitedHealthcare, and Wellcare. Humana has a four-star rating and affordable pricing. Generic medications should cost anywhere from $1 to $4.

UnitedHealthcare offers four-star insurance that is suitable for anyone taking multiple medications and name brands. It is slightly more expensive but worth it for heftier medication bills.

Finally, Wellcare is a three-star plan with a cheap monthly premium. Wellcare offers an average plan for anyone on a budget, though the deductible and medication costs are higher.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Elixir $20.30 $480 3
Humana $22.70 $480 4
Aetna $7.10 $480 3
Wellcare $12.90 $480 3
UnitedHealthcare $27.90 $310 4

Medicare Special Needs Plans in Columbus, OH

Special Needs Plans, or SNPs, are available for people with disabilities or special needs. There are three categories: chronic medical conditions, low-income, and institutional.

The best SNPs for beneficiaries of Medicare in Columbus come from Humana, Aetna, and UnitedHealthcare. Humana provides an HMO plan for a D-SNP. You can get D-SNP for low-income and Medicaid qualifications.

Aetna provides a similar plan to Humana, as they offer a D-SNP and HMO plan. However, their MOOP is higher than Humana’s, leading to more out-of-pocket costs.

Finally, UnitedHealthcare offers a Local PPO plan for Institutional SNP. To qualify for an I-SNP, the beneficiary must be a resident of a nursing facility, assisted living center, community-dwelling, etc.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
CareSource $0 $7,550 HMO Dual
Anthem BCBS $0 $7,550 HMO Dual
UnitedHealthcare $29.80 $6,700 LOCAL PPO Institutional

FAQs

Where Can I Sign Up for Medicare Part D in Columbus, Ohio?

Medicare determines whether beneficiaries can enroll in Part D in Ohio. They work with Express Scripts to determine which candidates qualify.

If you qualify, Express Scripts will automatically send a letter confirming that they have enrolled you in Ohio’s Extra Help program. You must contact Medicare in Ohio directly if you don’t receive this letter.

How Do I Apply for Medicare in Columbus?

You must apply for Medicare when you turn 65 and should complete the application in the three-month window before you turn 65 so you don’t have a coverage gap. You can call Social Security or visit your local office.

What Is the Best Medigap Plan in Columbus, OH?

Use the Medigap.com website to get free rates on Medigap plans. The Medigap plan that best suits you depends on your needs, whether you have any chronic illnesses, etc. Plan N, Plan F, and Plan G are the most popular.

How Can I Avoid Excess Medicare Charges in Columbus, OH?

Check with your doctor’s office to see whether they accept Medicare. Medigap Plans F and G also cover excess charges. The state of Ohio also limits excess charges to less than 15%.

Does Plan G Cover Prescriptions in Columbus, OH?

Only Part D Medicare covers prescriptions. Plan G covers coinsurance on Part B medications. It won’t cover outpatient drugs, but it does cover any medication used in clinical settings.

How to Sign Up for Supplemental Medicare in Cleveland

If you want to sign up for supplemental Medicare in Columbus, Ohio, contact Medigap.com. We provide free services and compare plans to give you personalized suggestions regarding which one to choose. You can fill out our online form or call us to get rates today.

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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.