There’s a variety of Ohio Medicare Supplement insurance plans that will meet your specific healthcare needs that are available in the state. By covering the costs that traditional Medicare doesn’t, these plans will save you money. Acceptance into the plan of your choice is always guaranteed as long as you apply during your Initial Enrollment Period. Plus, you can keep the doctors and hospitals that you’ve built a relationship with as long as they accept Medicare.
Ohio Medicare Supplement Plans
You must have Medicare Part A and B (Original Medicare) to apply for Ohio Medicare Supplemental insurance plans, also referred to as “Medigap.” Ohio Medigap plans cover only one person, so spouses must purchase two separate policies. Supplement plans are offered by private insurance companies that offer products in your area. The policies do not cover long-term care, vision, dental, prescription drugs, hearing aids, or private nursing.
Ohio Medicare Supplement for Under 65
Certain states make it mandatory for a carrier to offer supplement plans to those under 65 years of age, Ohio is not one of them. However, some carriers do still offer Ohio Medicare Supplement for Under 65, please contact one of our licensed Medicare Supplement agents in Ohio for more info.
When and How to Enroll in Ohio Medicare Supplements
You can apply for Ohio Medicare Supplements once you’re enrolled in Medicare Part B & are 65+ years old. The best time to enroll is during the sixth month Initial Enrollment Period, most commonly known as Open Enrollment Period. This period begins on the first day of the month that a Medicare recipient is at least 65 years old and already enrolled in Part B of Medicare. During this time, a recipient can enroll in a supplement plan without having their medical background prevent them from getting approved for coverage.
You can still enroll after this time period, but you may have to complete the medical underwriting process prior to being approved. A carrier could charge a higher premium as well if you don’t apply during your OEP.
If you’re still working, you can delay your Medicare Part B coverage without a penalty. Your employer sponsored healthcare plan will pay first in that case, followed by Original Medicare, followed by your Ohio Medicare Supplement plan policy.
With so many options available, the task of selecting the best Ohio Medicare Supplement insurance plans that suite your needs can be difficult and time consuming. If you need help, just call our team of Medicare agents. Our services are 100 percent free and there is NO obligation to sign up!
Costs for Coverage
Your costs may vary depending on the plan selected, your age, gender, zip code, and the private insurance company you choose. Medical Supplement Plans include Plans F through N. In addition to hospitalization and preventative care, some of the policies include skilled nursing facility coinsurance and foreign travel emergency coverage. The state of Ohio Medicare Supplement plans also have different out of pocket limits.
If you currently have Medicare Advantage, each year you have an opportunity to switch to Original Medicare and can then purchase a Medicare Supplement policy. Again, knowing the dates is important, missing important dates can prevent you from receiving the care that you need at the price you deserve.
How to Maximize Benefits
To maximize benefits you would most likely be enrolled in Original Medicare, a Medicare drug plan as well as a Ohio Medicare Supplement plan. By combining these 3 healthcare plans, instead of getting a Medicare Advantage policy, you can get all the gaps in coverage paid for to give you piece of mind.