What is the best Medicare Supplement plan in Ohio in 2026?

Plan G is the most popular Medicare Supplement plan in Ohio for new enrollees in 2026. It covers everything Medicare covers except the Part B deductible ($283 in 2026), giving you near-zero out-of-pocket costs with any doctor who accepts Medicare. For those who qualify, Plan N offers lower premiums with small copays.

How much does Medicare Supplement Plan G cost in Ohio?

Filed Plan G rates for a 65-year-old in Ohio run from $118.17 to $342.84 per month across 32 carriers (CSG Actuarial data as of 2026-07-12) — the widest spread of any state we track. Because plan letters are federally standardized, a Plan G from one carrier covers the exact same benefits as Plan G from any other — the only real difference is price and rate increase history. In Ohio, comparing carriers is worth more than in any other state in our dataset.

Which companies offer Medicare Supplement plans in Ohio?

32 carriers filed Plan G rates in Ohio in our latest CSG snapshot — one of the deepest Medigap markets in the country. They include Bankers Fidelity, Medico (Wellabe), WoodmenLife, Humana, and Mutual of Omaha, the five carriers we publish detailed reviews for, along with major national and regional carriers. Rates vary by carrier and rating area. An independent broker like MedicareYourself can compare all available options for you at no cost.

Does Ohio have special Medigap enrollment rules?

Like all states, Ohio follows the federal Medigap Open Enrollment Period: a 6-month window starting the month you turn 65 and enroll in Medicare Part B. During this window no carrier can deny you coverage or charge more based on health. Enrolling during this window locks in the best possible terms — do not miss it.

What is the difference between Medigap Plan G and Plan N in Ohio?

Plan G covers all Medicare cost-sharing except the Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 per doctor visit and up to $50 per ER visit. Plan N typically costs less per month than Plan G, making it a good option if you rarely visit specialists.

Can I keep my doctors with a Medicare Supplement plan in Ohio?

Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Original Medicare — there are no networks. That matters in Ohio, where many retirees want access to Cleveland Clinic, University Hospitals, OSU Wexner Medical Center, or Cincinnati's academic centers without worrying about which plan network includes them. With Medigap, they all take your coverage if they take Medicare.

What is OSHIIP and how can it help me?

OSHIIP — the Ohio Senior Health Insurance Information Program — is the state's free, unbiased Medicare counseling service, run by the Ohio Department of Insurance. You can reach OSHIIP at 1-800-686-1578. MedicareYourself works alongside programs like OSHIIP by adding multi-carrier filed-rate comparisons and enrollment assistance.

Do Medicare Supplement plans in Ohio cover prescription drugs?

No. Medicare Supplement (Medigap) plans do not include prescription drug coverage. To get drug coverage, you would enroll in a separate standalone Medicare Part D prescription drug plan. Our team can help you pair a Medigap plan with the right Part D plan during a single call at 855-559-1700.

Can I switch Medicare Supplement carriers later in Ohio?

Yes, you can apply to switch carriers at any time, but outside of a guaranteed issue situation you may need to answer health questions and pass medical underwriting. Because all Plan G policies cover the same federally standardized benefits, switching is often done to find a lower premium — and with Ohio's wide carrier spread, switching can pay off more here than almost anywhere.

Best Medicare Supplement Plans in Ohio (2026)

By Anthony Orner, Independent Licensed Medicare Insurance Broker — appointed with multiple carriers, OH, NJ & 33 other states

5.0 · 142 Google reviews, all five stars

The short answer: Plan G is the best Medicare Supplement plan for most Ohio residents in 2026. It covers nearly all out-of-pocket Medicare costs, lets you use any doctor who accepts Medicare, and filed rates run $118.17–$342.84/month at age 65 depending on your carrier.

Ohio is the most extreme Medigap market we track: 32 carriers file Plan G rates — from the cheapest entry price in our five-state dataset to a $224.67/month gap between the cheapest and most expensive filing for identical federally standardized benefits. Whether you're in Northeast Ohio, Central Ohio, or Greater Cincinnati, the carrier you pick matters more here than anywhere else we publish data for.

Last reviewed: August 2026 · Filed-rate data as of 2026-07-12 · Sources: CSG Actuarial, CMS.gov, Ohio Department of Insurance

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Ohio Medigap Filed Rates at a Glance (age 65)

Carrier filed rates from CSG Actuarial as of 2026-07-12 — sample ZIP 44101 (Cleveland), female, non-tobacco. Identical benefits at every carrier; only the price differs.

Plan	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
Plan GMost Popular	$118.17	$342.84	$224.67	32
Plan N	$102.31	$277.27	$174.96	31

Full breakdowns: Medicare Supplement cost in Ohio by age · Ohio Medigap Rate Index 2026

How to Get the Best Medigap Coverage in Ohio

Plan Letters Are All the Same

A Plan G from one carrier covers the exact same benefits as Plan G from any other. Federal law standardizes every plan letter — same product, different price. With 32 carriers filing in Ohio, your job is finding the best price from a stable carrier.

Rate Increase History Matters

Some carriers raise premiums modestly. Others don't: Mutual of Omaha's Ohio block filed +30% and then +25% in consecutive years, and Humana's filed +25.03% for April 2026. Over 10 years those differences compound dramatically. We show you each carrier's filing history — not just today's lowest quote.

ODI Oversight

The Ohio Department of Insurance regulates all Medigap plans sold in the state and runs OSHIIP, Ohio's free Medicare counseling program (1-800-686-1578).

Medigap Plans Available in Ohio (2026)

All plans are standardized by CMS — Plan G from one carrier covers the same benefits as Plan G from any other. The only difference is price and customer service.

Plan	What It Covers	Best For
Plan A	Basic benefits only	Very healthy, minimal use
Plan B	Basic + Part A deductible	Low hospital risk
Plan GMost Popular	Everything except Part B deductible	Most people — best value
Plan N	Plan G minus small copays	Healthy, want lower premiums
Plan K	50% cost-sharing up to out-of-pocket max	Younger, very healthy
Plan L	75% cost-sharing up to out-of-pocket max	Budget-conscious, healthy

Source: Medicare.gov standardized plans. Plan F is only available to those who became Medicare-eligible before January 1, 2020.

Ohio Medigap at a Glance (2026)

Every Ohio Medicare Supplement decision comes down to a handful of questions. Pick the one that fits your situation and jump to the full breakdown.

Cost

How much does Medicare cost in Ohio?

Filed Plan G and Plan N rates by age, total monthly scenarios, and 2026 deductibles.

Rate Data

Ohio Medigap Rate Index

The full dataset: lows, highs, the widest spread we track, and named-carrier filings.

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Free multi-carrier comparisons by phone or video for every Ohio ZIP.

Your Region

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Northeast Ohio · Central Ohio · Greater Cincinnati & Dayton

What's Changed for Ohio Medicare in 2026

• Part B premium: $202.90/month standard premium — up from $185.00 in 2025.
• Part B deductible: $283 — the one cost Plan G doesn't cover.
• Part A deductible: $1,736 per benefit period — Plan G covers this in full.
• Carrier activity in Ohio: 32 carriers file Plan G rates with a $224.67/month gap between cheapest and most expensive — the widest we track in any state. Humana filed +25.03% effective April 2026; Mutual of Omaha +25% effective May 2026.
• Medigap OEP reminder: Your 6-month federal Open Enrollment window is the one chance to enroll in any plan with no health questions.

Medicare Supplement Questions — Ohio

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Enter your zip code to see real carrier rates for your age and plan. Rates are from CSG Actuarial and updated daily.

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For free, unbiased state counseling, contact OSHIIP — the Ohio Senior Health Insurance Information Program at 1-800-686-1578.

We also help beneficiaries in other states. New Jersey · Pennsylvania · Texas

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