How much does Medicare Supplement Plan G cost in Ohio?

$118.17 to $342.84 a month for a 65-year-old in Cleveland, across 32 carriers (CSG Actuarial filed rates, 2026-07-12). "How much are you paying for that?" is the first thing I ask an Ohio caller who already owns a supplement. The answer tells me which carrier they picked, not what they bought, because every Plan G pays the same claims. The bottom of that range and the top are the same policy.

Which Medicare Supplement plan is best in Ohio?

Plan G, for most people new to Medicare. It pays everything Original Medicare leaves behind except the $283 Part B deductible, and it has no network. Plan N costs less. The cheapest Ohio Plan N at 65 is $102.31, $15.86 under the cheapest Plan G. In exchange it adds copays of up to $20 at the office and up to $50 at the emergency room. The best carrier is a separate question. In Ohio it is the one with a low filed rate and a quiet filing history.

Which companies sell Medicare Supplement plans in Ohio?

32 carriers filed a Plan G rate for a 65-year-old in Cleveland in the 2026-07-12 CSG snapshot, more than any other state we publish. Five of them we review in depth: Bankers Fidelity, Medico (Wellabe), WoodmenLife, Humana, and Mutual of Omaha. The Ohio rate index lists each one's filed Plan G rate, its rank among the 32, and its latest Ohio filing. Carriers enter and leave between filing cycles, so the count moves.

Once I turn 65, does an Ohio Medigap premium keep going up?

Usually, and by how much depends on the carrier. Two things move an Ohio premium: your age and rate filings. Age first: the highest filed Plan G in Cleveland goes from $342.84 at 65 to $357.31 at 69. The cheapest goes from $118.17 to $124.08. Then filings: Mutual of Omaha's Ohio block filed +30% for April 2025 and +25% for May 2026. "Once you turn 65, it goes up, right?" is how callers put it. The honest answer is that it depends which carrier you picked.

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

Yes, and there is no network to check. Cleveland Clinic, University Hospitals, OSU Wexner, and the Cincinnati academic centers take a Plan G from any carrier. They take Original Medicare, and the supplement pays behind it. "There's no network, right?" is the question Ohio callers ask most after price. Right. That answer is the same at all 32 carriers.

Does Ohio have its own Medigap enrollment rules?

The rule that matters is federal. Your Medigap open enrollment window runs six months from the month you are 65 and enrolled in Part B. Inside it, no Ohio carrier can decline you or price you on health. Outside it, unless a guaranteed-issue situation applies, carriers can ask health questions. That is why the first quote matters more in Ohio than the second: you may not get to shop again.

Is there a household discount on Ohio Medigap plans?

4 of the 32 Ohio Plan G carriers file a household discount of 10% to 12.2%. "For both of us together?" is how couples ask it. The rules differ by carrier, so we quote a couple twice, with the discount and without. It can change which carrier is cheapest.

The Ohio Senior Health Insurance Information Program, run by the Ohio Department of Insurance. It counsels on Medicare for free at 1-800-686-1578 and sells nothing. We do the part it cannot: quote all 32 filed Ohio carriers with their filing histories, then enroll you. Use both if you want a second opinion.

Do Ohio Medicare Supplement plans cover prescription drugs?

No. A supplement pays hospital and doctor cost-sharing; prescriptions need a separate Part D plan. The first Part D question I ask is "what pharmacy do you use?", because the plan we pick has to work at that pharmacy. We match the Part D plan on the same call as the supplement, at 855-559-1700.

Can I switch Medicare Supplement carriers in Ohio?

You can apply any time. Outside the open enrollment window or a guaranteed-issue situation, the new carrier underwrites. How fast it goes depends on your health questions, not on paperwork. With $224.67 a month between the top and bottom Ohio Plan G filing, a healthy person on a high-filing carrier usually has room to move. Bring your current premium and we tell you where it sits among the 32 filings.

Best Medicare Supplement Plans in Ohio (2026)

By Anthony Orner, Independent Licensed Medicare Insurance Broker, licensed in New Jersey and 34 other states, Ohio among them

5.0 · 142 Google reviews, all five stars

A 65-year-old in Cleveland pays $118.17 to $342.84 a month for Medigap Plan G, depending on which of 32 carriers she picks (CSG Actuarial filed rates, 2026-07-12). Every one of those policies pays the same claims. The only thing changing is the price.

That $224.67 gap is the widest Plan G spread in any of the 5 states we publish. The top filing costs 2.9 times the bottom one. Over 20 years it adds up to about $53,921, before a single rate increase. Ohio carriers price by rating area, so a Columbus or Cincinnati ZIP will not match this Cleveland sample. This page points you to the Ohio subpage that answers your question: cost by age, the full rate index, or pricing from 65 to 69.

Reviewed September 2026 · Filed-rate data as of 2026-07-12 · Source: CSG Actuarial · Regulator: Ohio Department of Insurance

Carriers pay the broker; the price you pay is the same either way.

Call for Every Ohio Filed Rate — 855-559-1700

Ohio rates at your ZIP and age

Call with your ZIP and birth date. We read back every filed Ohio carrier, cheapest first, with its last filing beside it.

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What Plan G and Plan N Cost in Cleveland at 65

CSG Actuarial filed rates as of 2026-07-12. Sample: ZIP 44101, Cleveland, female, non-tobacco, no household discount. Ohio carriers file by rating area, so your ZIP can return different numbers.

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

From 65 to 69 the highest Ohio Plan G filing climbs from $342.84 to $357.31; the cheapest moves from $118.17 to $124.08. Go deeper: Ohio cost by age, with the Part B premium added · the full Ohio rate index

Three Things That Decide an Ohio Medigap Price

One Policy, 2.9 Times the Price

Federal law standardizes every plan letter, so the 32 Ohio Plan G filings pay identical claims. The most expensive costs 2.9 times the cheapest. You are choosing a price and a filing habit, nothing else.

Ohio Filing History

Mutual of Omaha's Ohio block filed +30% for April 2025 and +25% for May 2026. Humana's filed +25.03% for April 2026. A low rate from a carrier with that pattern is a different purchase than the same rate from one filing single digits. The rate index shows each named carrier's latest Ohio filing.

ODI and OSHIIP

The Ohio Department of Insurance regulates every Medigap policy sold in the state and runs OSHIIP, a free counseling line at 1-800-686-1578. OSHIIP sells nothing, which makes it a good second opinion on anything we tell you.

The Lettered Plans, and What Each Leaves You to Pay

Plan G's one gap is the $283 Part B deductible. Plan N leaves that plus copays of up to $20 at the office and up to $50 at the emergency room. Plans K and L split costs with you up to a yearly cap.

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

Benefit chart from Medicare.gov. Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020.

Ohio Medigap at a Glance (2026)

Pick the question you called about. Every page below answers it from the same 2026-07-12 CSG filing data, at the same Cleveland sample profile.

Cost

How much does Medicare cost in Ohio?

Filed Plan G and Plan N rates by age with the $202.90 Part B premium stacked on top, so you see the whole monthly bill.

Rate Data

Ohio Medigap Rate Index

Lows, highs and spreads at every age, 4 carriers filing a household discount, and each named carrier's rank among 32 with its latest Ohio filing.

Pricing by Age

Pricing for Ages 65–69

The highest Ohio Plan G filing reaches $357.31 by 69; the cheapest is $124.08. Plus the household discount and tobacco tables.

Get Help

Ohio Medicare Broker

Every filed carrier at your ZIP, cheapest first, by phone or video. Carriers pay us; your premium is the same.

Your Region

Medicare help where you live

Northeast Ohio · Central Ohio · Greater Cincinnati & Dayton

Ohio Medicare Numbers That Changed for 2026

• Part B premium: $202.90 a month at the standard rate, against $185.00 in 2025.
• Part B deductible: $283 for the year, the one bill Plan G and Plan N both leave with you.
• Part A deductible: $1,736 per benefit period, paid in full by Plan G.
• Ohio carriers: 32 filed Plan G, with $224.67 a month between the top and bottom filing. Humana +25.03% effective April 2026; Mutual of Omaha +25% effective May 2026.
• Open enrollment: the six-month Medigap window starts the month you are 65 and on Part B. It is the one time every Ohio carrier must take you without health questions.

Ohio Medigap Questions, Answered From the Filings

Live Ohio Medigap Rates by ZIP

Type an Ohio ZIP to see filed carrier rates for your age and plan. The figures come from CSG Actuarial and refresh daily.

Compare Medicare Supplement Rates

Real carrier rates for your zip code — updated daily

OSHIIP, the Ohio Senior Health Insurance Information Program, counsels for free at 1-800-686-1578 and sells nothing.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. Rates on this page come from the CSG Actuarial filed-rate database as of 2026-07-12, sample ZIP 44101, female, non-tobacco, no household discount; they are a sample, not your quote. Broker compensation comes from the carrier you enroll with and does not change your premium.

Filed-rate hubs for the other states we publish: New Jersey · Pennsylvania · Texas

Where does your carrier rank among 32 Ohio filings?

Bring the rate letter or your current premium. We read the Ohio Plan G filings back in price order and say whether moving is worth the health questions.

Get Your Ohio Ranking — 855-559-1700