Ohio Medicare Plans
Ohio offers numerous options for healthcare coverage after 65. Options from Original Medicare to Supplements and Advantage plans, most beneficiaries find a combination that suits their healthcare and budgetary needs. We can assist you through this enrollment process and help you compare plans to craft the best coverage for you.
Ohio Medicare plans open enrollment
The enrollment period in Ohio begins three months before your 65th birthday and continues for the three months following your birthday. At this time it is best to enroll in a Medicare Supplement plan as you cannot be denied based on your health.
While you can choose to enroll in a Supplement at any time throughout the year, you will be required to complete a health survey and can be denied coverage based on your pre-existing health conditions.
The Medicare plans in Ohio are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 60 Advantage Plans in Ohio. The plans, also known as Part C plans, are private insurance plans that offer all the same benefits as Original Medicare and include additional benefits. These additional benefits include vision, dental, and prescription drug coverage.
Ohio has an enrollment period for those beneficiaries who have already enrolled in an Advantage plan. This period runs from January 1st through March 31st each year. At this time a beneficiary can change their Part C plan or opt into an Original Medicare plan.
Medicare Part D
The 26 Part D plans in Ohio offer coverage for prescription drugs. Original Medicare and Supplements do not cover costs at the pharmacy, so many beneficiaries choose to enroll in a Part D plan or an Advantage plan. These plans will limit your out-of-pocket spending on prescriptions.
How we can help
Remember, all plans provide standardized coverage and the only difference is the cost. Our Ohio licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.