ohio-free-clip-artOhio is the BuckEye State

has a population of 11,594,000

Recognized for the first electric traffic lights, invented and installed in Cleveland in 1949.

“Ohio Medicare – Supplement Insurance Plans – Ohio Medigap”

Interesting enough there are over 11 million people living in the Buckeye State.  And over 13 percent of Ohioans are 65 years of age or older.  If you are already an Ohio senior or will be joining this group soon then enter your zip code above to compare Medicare Insurance plans, premiums and benefits that are appropriate for you.  Medicare enrollment materials and kits are available in the Enrollment section.  Consult with a Medicare Supplemental Advisor for answers to any questions you may have.  Enter your zip code above to get Ohio Medicare Supplemental Insurance quotes, compare supplement plans and benefits in your area.  If you prefer to speak with a licensed professional, then call us at 610-269-3400

When to Enroll in an Ohio Medicare – Supplemental Insurance Plan

If you are turning 65 soon, you need to be covered under Original Medicare Part A and Part B in order to receive a Medicare Supplement Insurance Policy in Ohio.  You qualify for Part A, Hospital, when you or your spouse has worked for 40 quarters (ten years).  Part B, Doctors & Services, is provided to you at a monthly cost that increases for those in higher incomes.  If you are receiving social security payments when you turn 65, then you should be automatically enrolled into Part A and Part B.  It’s ok to call to confirm with Social Security.  If you will not be receiving social security payments when you turn 65, then you may want to call to make sure you are going to be enrolled into Part A and Part B soon.  If you have not received anything in the mail then call Social Security for information at 1-800-772-1213.  As long as you are eligible, you can enroll in Medicare Part A and Part B up to three months before and three months after your 65th birth month.

You are eligible to enroll in a Medicare Supplemental plan six months before your 65th birth month.  Even though you will not receive your policy until you are covered under Medicare Part A and Part B, some insurers will still allow you to send you application and will lock your rate for the six months before your Part B effective date.  Your Part B effective date is the 1st of the month in which you were born.  For those born on the 1st of the month, then your Part B effective date is moved up to the 1st of the previous month.  Contact a Medicare Supplemental Advisor at (800) 590-3570 for more information on this and other important enrollment time frames.

Ohio Medicare Supplemental Insurance policies don’t work with any other type of health insurance, including Medicare Advantage Plans, employer/union group Medicare coverage, Veterans Administration benefits, or TRICARE.

Ohio Medicare Supplemental Insurance Plan Comparisons

Ohio seniors are eligible to compare Medicare premiums and switch their current Medicare Supplement plan to a new Medicare Supplemental plan at any time during the year.  As long as you can answer the health questions then getting approved into a new plan is a way to reduce your premiums.  Every year, some Medicare Advantage and Medicare prescription drug plans choose not to renew their existing Medicare contracts.  If your Medicare Advantage Plan provider sent you a non-renewal notice this year, then that notice will serve you to enroll into a Medicare Supplement plan regardless of health conditions.  Contact an Advisor for other conditions that are important to understand for your benefit.

Ohio Medicare Excess Charges

Several states have mandated that Medicare providers are not able to charge more than what Medicare allows.  That means that for those providers that accept Medicare cannot charge Excess Charges.  The states include Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.  In all other states, providers are able to bill up to 15% of what Medicare Allows directly to the Medicare Beneficiary (you).  Medicare Supplement Insurance policyholders with Plans F and Plan G have coverage for Part B Excess Charges.

Ohio Medicare Supplement Plan Standardization & Modernization

In 1990, the Medicare Supplement Plans were standardized into 15 plans labeled Plan A through Plan L.  In June of 2010, the Medicare Supplement Plans were “Modernized” to streamline under utilized benefits.  Today, there are 10 plans labeled Plan A through Plan N.  All benefits are the same for each plan letter.  So even if you live in a different county or state, Plan F in Cleveland, Cuyahoga County, has the same benefits as Plan F in Cincinnati, Ohio.  Plan F has the same benefits in all states.  Also the Ohio Mutual of Omaha Plan F has the same benefits as the Ohio AARP United Healthcare Plan F.  A key differentiator is the premium that each company charges for their Plan F.  Talk to a Medicare Supplemental Advisor today to discuss other important factors in selecting a health care company.  Other providers of Medicare Supplemental Insurance plans include AARP, Mutual of Omaha, Gerber Life, United Healthcare and Genworth.

Ohio Part D Prescription Drug Coverage

One of the differences in a Medicare Supplemental Insurance Plan and a Medicare Advantage Plan is that Part D Enrollment into a credible coverage prescription plan is not mandatory but highly recommended.  While some Ohio Medicare Advantage Plans have Part D Prescription Drug coverage included, Medicare Supplemental Plans do not.  And even though you do not take prescription medicine, you may want to pick up a low cost Part D plan in order to have availability to lower cost prescription drugs when you need them.  And, by enrolling in a Part D Plan when you are eligible, you will avoid penalties for not having a plan in the future.  Complete the Prescription form in the section Medicare Part D section of this site to see what Part D Plans are best for your formulary.  Please call Medicare Supplemental Advisors at (800) 590-3570 for more information.

One of the benefits of have a separate Part D Prescription Drug Plan in Ohio is to have the ability to calculate and compare the different drug formularies that have the lowest possible cost per year based on your generic or brand name drugs that are specific to you.  Not just the formulary that comes with a Medicare Advantage Plan.  With a separate Part D plan, you can check every year during the annual open enrollment period which plan best for you and your formulary.  Contact us or complete the form in Part D with your prescription name and dose per day to get a list of approved.  As part of our service to you, we will be happy to help you find a plan tailored to cover your prescription drug formulary.

The Golden Buckeye Program

Over two million Ohioans are eligible for the Golden Buckeye card.  This discount card is honored at 20,000 businesses statewide.  Golden Buckeye cardholders have saved an estimated $2 billion since 1976.  All Ohioans age 60 or older, as well as adults age 18-59 who have disabilities as defined by Social Security, are eligible for a free Golden Buckeye card.  The Golden Buckeye card includes the Ohio’s Best Rx prescription drug discount program and is available by calling 1-866-923-7879.

Medicare Supplemental Advisors serve all of Ohio including Lorain, Licking, Cincinnati, Delaware, Butler, Union, Warren, Columbus, Toledo, Akron, Summit, Dayton, Canton, Green, Cleveland, Medina, Clermont, and Fairfield County, Ohio.  OH Medicare enrollment materials are sent by U.S. Priority Mail after a needs analysis of the Ohio Medicare supplement insurance available in your area.  Speak to a licensed Medicare advisor when enrolling into an Ohio Medicare plan.  Compare Ohio Medicare Supplemental Insurance Plans with us so you know the differences.  Look for the best replacement Ohio Medicare Supplemental plans.  Always make sure that you have a complete and thorough understanding of the Ohio Medicare plans, premiums and benefits.  Call us at (800) 590-3570 for a confidential discussion about an Ohio Medicare Supplemental Plan that is appropriate for you.

Medicare Supplemental Advisors.com is an informational website.  Please consult with a Licensed Medicare Supplemental Advisor before making a final selection of any Medicare Plan in order to confirm your selection of the best plan and rates based on your best interests.  Medicare Supplemental Advisors is an independent agency and is not connected with or endorsed by the United States Government or with the Federal Medicare Program.