Ohio Medicare Broker: Every Filed Medigap Rate, Read Back by Phone
32 carriers file Plan G in Ohio. For a 65-year-old in Cleveland, the filed premium runs from $118 to $343 a month (CSG Actuarial filed rates, 2026-07-12). Same plan letter, same claims paid, $225 a month apart.
I'm Anthony Orner, an independent Medicare broker, NPN 20586791, licensed in Ohio and 34 other states. My office is at 1309 Route 70 West in Cherry Hill, New Jersey. Ohio clients work with me by phone and video, and the rate I quote is the rate the carrier filed in Ohio. This site publishes filed Medigap rates for 5 states. The carrier pays me. Your premium is the filed rate either way. As of July 2026, all 142 of our Google reviews are five stars.
Call for Every Filed Ohio Rate — 855-559-1700The Ohio Plan G gap, in dollars
Filed rates for a 65-year-old woman, non-tobacco, at ZIP 44101 in Cleveland, as of 2026-07-12. The $225 gap between the cheapest and most expensive Plan G is the widest of the 5 states we publish. Over 20 years, before a single rate increase, that gap is about $53,921.
| Plan | Lowest filed rate | Highest filed rate | Carriers quoting |
|---|---|---|---|
| Plan G | $118/mo | $343/mo | 32 |
| Plan N | $102/mo | $277/mo | 31 |
Columbus, Cincinnati, Toledo, and Dayton ZIPs can come back different from this Cleveland sample, because Ohio carriers file by rating area. Your age, ZIP, and tobacco use set the exact number.
Two questions I ask every Ohio caller before I quote
Does a spouse or partner live with you, and do you use tobacco. 4 of the 32 Plan G carriers file a household discount of 10% to 12.2%. 37 of 42 carriers quoting a tobacco user add a surcharge, about 47% on average and as high as 421.4% at one carrier. Either answer can reorder the whole list.
6 named carriers and their Ohio filings
These are the carriers we have reviewed in depth: the filed Plan G rate at 65, where it ranks among the 32 Ohio carriers, and the most recent Ohio filing (carrier data as of 2026-07-15).
| Carrier | Plan G at 65 | Market rank | Latest OH filing |
|---|---|---|---|
| Bankers Fidelity | $136/mo | #3 of 32 | +12% (2026-01-01) |
| Insurance Co of North America (Chubb) | $142/mo | #4 of 32 | — |
| Medico | $147/mo | #6 of 32 | +9% (2026-02-01) |
| WoodmenLife | $171/mo | #12 of 32 | +9% (2026-06-01) |
| Humana | $179/mo | #16 of 32 | +25.03% (2026-04-01) |
| Mutual of Omaha | $204/mo | #25 of 32 | +25% (2026-05-01) |
Rank is a snapshot. Mutual of Omaha sits at #25 of 32 in Ohio after filing +30% effective April 2025 and +25% effective May 2026. Humana's Ohio block filed +25.03% effective April 2026. Bankers Fidelity is #3 at $136 after a +12% effective January 2026, its only Ohio filing on record. A carrier's last two filings say more about your premium at 70 than today's rank does. Each name links to the full review.
What happens when an Ohio caller reaches me
The first questions are the same on every call. When do you turn 65, or when did you? Are you working or retired? Which pharmacy do you use, and what do you take? Do you use tobacco? Is there a spouse in the house? Those five answers decide which of the 32 carriers can quote you, and at what rate.
Then I read the list back, cheapest to most expensive, at your ZIP. Ohio carriers price by rating area, so a Columbus or Cincinnati ZIP will not match the Cleveland sample above. For the carriers at the top I read the filing history too, because the cheapest carrier at 65 is not always the cheapest carrier at 70.
If you already hold a policy and a rate letter, the call is shorter. I tell you where your carrier now ranks among the 32 filed rates, and whether the health questions at a new carrier are worth answering. Callers sometimes ask, "This is not a marketer or a scammer?" Fair question. My license number is NPN 20586791, and you can look it up before we talk.
Holding an Ohio rate-increase letter?
Call with the letter, your ZIP, and your birth date. You'll hear where your carrier now sits among 32 filed Plan G rates and whether moving is worth the health questions.
855-559-1700Get an Ohio Quote OnlineOhio Medicare Broker FAQ
Go deeper on Ohio Medicare
- Best Medicare Supplement Plans in Ohio (2026)
- Ohio Medigap Rate Index: every carrier's filed range
- Your region: Northeast Ohio · Central Ohio · Greater Cincinnati & Dayton
- Mutual of Omaha Medigap Review (Ohio report card inside)
- Bankers Fidelity Medicare Supplement Review
- Atlantic Capital Life & Assurance Review
- Compare Medicare Supplement Policies
- How to Switch Medigap Carriers