Need a Medigap quote?Request a call, and a licensed Ohio agent will quote every carrier for you — usually within 24 hours.

Most popular Medigap plans in Ohio

• Plan G — the most comprehensive plan available to new enrollees. Covers everything except the Part B deductible ($240 in 2024).
• Plan N — lower premium in exchange for small office ($20) and ER ($50) copays.
• High-Deductible Plan G — significantly lower premium, with the same benefits after meeting an annual deductible.
• Plan F — still available if you were Medicare-eligible before Jan 1, 2020.

Medicare Supplement vs. Medicare Advantage

Medigap pairs with Original Medicare + a stand-alone Part D plan and gives you nationwide provider access. Medicare Advantage replaces Original Medicare with a private plan that usually has a network and may include extras like dental and vision. Neither is "better" universally — it depends on your doctors, prescriptions, travel, and budget.

When to enroll in Medigap

Your Medigap Open Enrollment Period is the 6 months starting when you're 65 AND enrolled in Part B. During this window, carriers cannot deny you or charge more for health conditions. Outside that window, medical underwriting may apply in Ohio.

Why prices vary so much between Medigap carriers

Every Plan G has identical benefits — they're standardized by the federal government. But two carriers can charge wildly different premiums for the exact same Plan G. That's because carriers use different rating methods (attained-age, issue-age, community-rated), different underwriting, and different household discounts. Shopping every carrier in Ohio is the only way to know you're not overpaying.