The Best Medicare Supplement (Medigap) Plans in Ohio

Christian Worstell
In this article...
  • Medicare Supplement insurance (Medigap) helps Ohio seniors cover out-of-pocket costs related to Medicare. Explore reviews of available Ohio Medigap plans so you can select a plan that's suitable for you.

Despite the comprehensive health care coverage that many U.S. seniors receive through Original Medicare, beneficiaries may still be left with high out-of-pocket costs for copays, deductibles and other medical expenses. 

Essentially, Medigap is insurance that's sold by private companies, which works in conjunction with Original Medicare to cover up to 100% of the balance remaining on services and supplies after Medicare reimbursement. Keep reading to discover available coverage options so you can decide whether a Medigap plan is right for you.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Ohio Medicare Supplement Plans?

Seniors who want to supplement their Medicare coverage with a Medigap policy have 10 different plan types to choose from, and each is identified by a letter of the alphabet. Benefits are standardized by plan letter, so no matter which plan you select, you can be sure you’ll get the same benefits regardless of who issues the policy.

Medigap Benefits

Available benefits through Medigap include:

Although some benefits are standard for all 10 plans, each Medigap plan letter offers a different overall selection of benefits. The percentage of reimbursement for covered services may also vary. For a detailed comparison of benefits and coverage amounts by plan letter, see the accompanying chart.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

What Else You Should Know Before Purchasing a Plan

Although Medigap is sold by private insurers, plans must adhere to federal guidelines. Here are a few other things you should consider before purchasing a policy:

  • Pre-existing conditions: If you have a pre-existing condition, you’re still eligible for Medigap coverage. However, you may be subject to a wait period before reimbursement begins, and services and supplies received during the wait period won’t be covered.

  • Annual spending limits: Some Medigap plans don't limit annual out-of-pocket spending. For seniors undergoing expensive or recurring treatments, this can lead to high medical expenses despite supplemental coverage. If you want to limit out-of-pocket spending, check out Plans K and L, which pay 100% of covered services and supplies after meeting the relevant criteria.

  • Plan selection: Because Medigap is sold by private insurance companies, each issuer may offer a different selection of plans. All Medigap issuers must sell Plans A, C and F, but the sale of other plans is optional.

  • Plan popularity: Plans F, G and N are the most popular Medigap plan types currently on offer. They're often more affordable due to lower premiums, especially in areas where Plans F and G are available with high-deductible options. Unfortunately, high deductibles mean you’ll have to spend more before your Medigap coverage begins.

  • Plan eligibility criteria: Plans C and F restrict enrollment to seniors who were eligible for Part B prior to 2020. That’s because Medigap plans sold to new enrollees after this date aren’t permitted to cover the Part B deductible.

Each Medigap plan has pros and cons that may vary by purchaser. When deciding which plan to buy, consider how much insurance you can afford and then weigh the benefits of each plan against its cost.

How Do I Enroll in an Ohio Medigap Plan?

Enrollment in Ohio Medigap plans is done through private insurers. Ideally, you should purchase a policy during Medigap’s six-month open enrollment period, which begins the month you turn 65 and are enrolled in Medicare Part B. Under federal law, all seniors enrolled in a Part B plan have a guaranteed right to purchase a Medigap policy at this time, and companies may not charge any applicant higher premiums, even if they have health risks.

If you haven’t yet retired and still receive insurance from your employer, your Medigap enrollment period won’t open until you retire and join a Part B plan. The same six-month timeframe applies.

Although you may still be able to purchase a Medigap plan after the six months are up, coverage is no longer guaranteed. Outside of the open enrollment period, companies may legally use medical underwriting criteria to determine an applicant’s risk and can deny coverage to high-risk seniors. Your risk profile may also be used to assess premiums, and individuals with underlying medical conditions may have to pay substantially more for a policy.  

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

Guaranteed Issue Rights

Guaranteed issue rights define situations under which seniors may be guaranteed enrollment in a Medigap plan outside of the formal enrollment period without the risks associated with medical underwriting.

If you have a guaranteed issue right, federal law mandates state:

  • A Medigap insurer must sell you a policy of your choice.
  • The issuer must cover all pre-existing conditions.
  • You may not be charged more for a policy due to underlying medical conditions or other health risks.

These protections typically apply to seniors who've lost other health coverage or have experienced coverage changes in a fundamental way. That may include common situations such as:

  • Reverting to Original Medicare after losing a Medicare Advantage policy: This can happen when a plan is discontinued completely or eliminates service in a particular geographic area. Protections may also extend to Advantage plan enrollees who move out of their coverage area or have exercised a trial right to MA and then reverted back to Original Medicare.

  • Losing prior Medigap coverage: Medicare beneficiaries who previously maintained Medigap insurance but relinquished it because of a company’s bankruptcy, misleading practices or plan terms that violated federal policies may be eligible to purchase a new plan under these federal protections.

  • Losing Medicare SELECT coverage: Medicare enrollees who’ve lost coverage through a supplemental SELECT policy when they move out of the plan’s service area may purchase a Medigap policy.

  • Losing group coverage through an employer or union: Medicare-eligible individuals who lost the health benefits provided by an employer or a union may be eligible to purchase a Medigap plan.

To protect your right to purchase a Medigap plan through a guaranteed issue right, make sure to keep accurate records of the circumstances surrounding the termination of your prior coverage. That should include any available documentation, including notices, letters or claim denials.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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