Compare Medigap Plans in Ohio

Medigap (Medicare Supplement Insurance) is health insurance sold by private companies to help pay for healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S.

The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period. This period automatically starts the month you're 65 or older and enrolled in Medicare Part B. During this time, you can buy any Medigap policy sold in your state, even if you have health problems, without medical underwriting.

Medigap premiums vary based on the plan type, insurance company, location, age, and other factors. Plans with more comprehensive coverage typically have higher premiums. Our advisors help you compare costs from multiple insurers to find the best value for your needs and budget.

During your Medigap Open Enrollment Period, insurance companies cannot deny you coverage or charge you more due to pre-existing conditions. Outside this period, insurers may use medical underwriting to decide whether to accept your application and how much to charge, unless you qualify for guaranteed issue rights.

Medigap supplements Original Medicare and allows you to see any doctor that accepts Medicare nationwide. Medicare Advantage replaces Original Medicare and typically requires you to use network providers. Medigap generally offers more flexibility but may have higher premiums, while Medicare Advantage often has lower premiums but more restrictions.

Medigap plans sold after January 1, 2006, don't include prescription drug coverage. To get Medicare drug coverage, you'll need to join a separate Medicare Part D plan. Our advisors can help you find both Medigap and Part D plans that work well together.