Medicare Supplement (Medigap) plans in Ohio

How Medigap differs from Medicare Advantage

Medigap does not replace Original Medicare, it pays after it. You keep your red, white, and blue Medicare card and can see any doctor nationwide who accepts Medicare assignment, with no network restrictions and no referrals.

Because Medigap policies are standardized by letter, a Plan G from one carrier covers the same benefits as a Plan G from another. What differs is the monthly premium and the carrier's rate history.

• No provider networks, useful if you travel or split time out of state
• Predictable out-of-pocket costs each year
• Standardized benefits by plan letter across carriers
• Prescription drug coverage is purchased separately as a Part D plan

The Medigap Open Enrollment Period matters

Your six-month Medigap Open Enrollment Period begins the month you are 65 or older and enrolled in Part B. During that window you have a guaranteed issue right, meaning carriers cannot deny you or charge more because of health history.

Outside that window, Ohio carriers may require medical underwriting. If you are approaching 65, it is worth talking through your options early.

Comparing premiums the right way

Two policies with identical benefits can differ by hundreds of dollars a year. We compare premiums across top-rated national carriers licensed in Ohio and look at how each carrier has historically adjusted rates, not just the first-year price.