Get Your Ohio Medicare Supplement Quotes Today
Get access to all your same doctors and hospitals while enjoying a lower monthly rate
Benefits of Us Comparing Your Supplement Plan Options
Independent
We are an independent agency and often compare over 20+ Medicare Supplement insurance companies to get the best price for the amount of coverage you’re looking for
Find the right plan
Get a breakdown on your plan options with rates for the three most popular Medigap plans F, G and N and the out-of-pocket costs you can expect from each plan for your specific health situation
Health conditions
Not every senior has perfect health, and different companies may accept health conditions other insurance companies decline – which is why we find the most forgiving underwriting.
No exams necessary
Underwriting consists of asking you about 10 questions from the application over the phone and doing a health history background check (MIB) to confirm details and prescription drug history.
Rate Increase History
Receive lower rate increases over time by judging the insurance companies’ history of rate increases to determine stability of monthly premium over time.
Market Analysis
Don’t get suckered with teaser rates and get stuck on a plan that has frequent large rate increases because they weren’t entrenched in their state’s market.
Easy Process
Find out how much income you can get for your entire lifetime, your retirement nest-egg will provide you that you GUARANTEE cannot run out or outlive
No sales pressure
We aren’t salesmen, we’re esteemed advisors comparing options for our clients and letting them make a decision on their own time whenever they feel ready.
Our Six Step Process for Comparing Medicare Supplement Quotes
1. Get Details
After determining plan types you want quotes on, we’ll gather up some health and prescription drug information to see if you qualify.
2. Shop companies
We compare 20+ Medicare Supplement insurance companies in order to find you the most competitive rate for your health profile.
3. Review Options
After getting the quotes we package everything together in an easily understandablemanner that allows you to make an informed decision.
4. Submit application
We then take 15 minutes over the phone to take an application that’s instantly submitted before getting off the phone, sometimes we even have the results instantly.
5. Secure coverage
If further information is required from you or your doctor, the company will reach out within 5 business days. Overall it takes about 1-3 weeks to find out their decision.
6. Periodic reviews
After coverage is secured, we check in biannually to reshop your Supplement and annually to reshop your Part D Prescription drug plan to find you additional savings.
Take the sting out of inflation by getting a reduced rate on your Medicare Supplement plan
Top 3 Medicare Supplement Plan Options
Plan F Medicare Supplement
Known as the 'Cadillac' plan of Supplements aka the richest Supplement - this plan (which is no longer available to those going on Medicare after 2020) covers mostly all out of pocket costs that the government doesn't cover when it comes to Medicare Parts A and B.
Pros: Predictable out-of-pocket costs
Cons: Expensive monthly premiums
Plan G Medicare Supplement
Almost identical to Plan F except that you're responsible for the Part B deductible ($226 for 2023) - then most all of out of pocket costs for Parts A and B are covered at 100% for the rest of the year. Covering the Part B deductible yourself can often save you double that.
Pros: Lower rate increases than plan F
Cons: Moderate monthly premiums
Plan N Medicare Supplement
This plan is almost identical to plan G, where you pay your Part B deductible, except you also have to pay $20 for a doctor's visit and $50 for an ER visit - in addition to possible balance billing of an extra 15% (which is outlawed in Ohio). This plan has even lower rates than Plan G.
Pros: Most affordable Supplement
Cons: Out-of-pocket costs to deal with
Keep In Mind When Comparing Medigap Plans in Ohio
Change Anytime of The Year
Contrary to what most seniors believe, you don't have to wait till the Annual Enrollment Period (Oct 15th-Dec 7th) to reshop your Medigap plan, you can change Supplement plans ANYTIME of the year as long as you can pass the health questions on the application and a MIB health history background check
Don’t Fall for Teaser Rates
Seniors have to be careful not to fall for teaser rates from insurance companies who have low numbers of enrollees in combination with higher claims and an inexperience in the state’s market, because they could get stuck on a plan with large rate increases if their health gets bad and doesn’t allow them to change.
Consider Plan N
Seniors living in Ohio (one of 8 states that forbids balance-billing), don’t have to worry about “excess-charges” (an 15% additional out of pocket costs) from doctors who don’t accept assignment, which allows them to get a plan without worrying about higher costs while enjoying lower premium rates than Plan G.