In Ohio, 43.80% of Medicare’s Part A and Part B program beneficiaries 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.
Medicare plans in Columbus, Ohio
We will break down supplemental plans in Ohio, their general price points, the benefits you can receive on different programs, and more. Below, we have included quotes based on a 65-year-old male.
Medicare Advantage plans
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 has a four-star rating and 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.
The average cost of Medicare Advantage plans in Columbus, Ohio
| 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 |
Medicare Supplement plans
Because Medigap plans are standardized across the nation, the price of the monthly premium changes while benefits remain the same. Each program 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, 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’s cheaper than Plan F.
Finally, Plan N excludes the Part B deductible and excess charges. It requires copays for Part B Coinsurance. It’s the cheapest of the three options but has more limited coverage.
The average cost of Medicare Supplement plans in Columbus, Ohio
| 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 |
Medicare Part D prescription drug plans
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 suitable for anyone taking multiple medications and name brands. It’s slightly more expensive but worth it for heftier medication bills.
Finally, Wellcare is a three-star plan with a cheap monthly premium. Despite higher deductibles and medication costs, Wellcare offers an average program for anyone on a budget.
The average cost of Medicare Part D plans in Columbus, Ohio
| 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 |
Special Needs plans
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, offering 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.
The average cost of Medicare Special Needs plans in Columbus, Ohio
| 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 |
How to sign up for Medicare plans in Columbus
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 for rates today.
