Best Medicare Supplement Plans in Columbus, OH for 2023
Fair Square Medicare

Best Medicare Supplement Plans in Columbus, OH for 2023

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By Dan Petkevich — Founder & CEO of Fair Square

Scene of Ohio

The prices outlined here are just approximations and may fluctuate depending on your age, sex, lifestyle, and location. Get in touch with us to get individualized quotes!

In Columbus, the Best Choice is G or N.

By law, all Medicare Supplement plans with the same letter must offer the same coverage, so comparing them is simple, regardless of the carrier or region. In Columbus, plans A, B, C, D, K, and M can all be thrown out from consideration because they offer less coverage, and usually cost more than the optimal Plan G or N. Plan F is a unique exception here, which we address below.

Takeaway: Plan G or N offer the most comprehensive coverage for your dollar.

Why Medicare Supplements over Medicare Advantage Plans?

Unlike Medicare Advantage plans, Supplement Plans provide coverage from any health provider that accepts Medicare, approximately 90% of doctors across the country. No pre-approval is necessary for a procedure, and Plan G covers out-of-pocket expenses more completely than any other Medicare plan.

The extent of that coverage is the other consideration, and no other Medicare plan covers out-of-pocket expenses as comprehensively as Plan G or N.

What You Need to Know about Plan G in Columbus, OH:

To reiterate, Medicare Supplement Plans' coverage is defined by the government, ensuring that all plan letters provide the same coverage, independent of cost. We advise you choose the carrier offering the lowest-cost Plan G (which we have included below). You only have to pay your monthly premium and the yearly Part B Deductible of $226 for any medical services covered by Medicare, and you have nothing else to be concerned about.

The average monthly cost for a Plan G premium is 143.39

If the most thorough coverage is what you're after, Plan G is the best option for you. See the details outlined below:

Part A Coinsurance

Part A Hospice Care Coinsurance + Copay

Part A Deductible

Blood (3 Pints)

Part B Coinsurance + Copay

Part B Excess Charge

Part B Deductible

Plan G's coverage also includes the highest coverage on foreign travel exchange with 80%. We've gathered the average cost of Plan G across Columbus regardless of the monthly premium.

Top 5 Cheapest Plan G Options in Columbus:

  • 1.

    Erie Insurance

    $115.77/month

  • 2.

    Chubb Limited

    $116.33/month

  • 3.

    Swiss Re

    $116.58/month

  • 4.

    Insurance Capital

    $117.73/month

  • 5.

    Allstate Insurance

    $118.75/month

Premiums do vary by zip code, so contact us below to hear the local premiums you can actually enroll in.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Should I even consider Plan N in Columbus?

This depends on your situation. In Columbus, excess charges are outlawed. That means doctors cannot bill above the Medicare approved rate for a procedure. So if you’re on Plan N, that “gap” in coverage is generally not one you need to worry about. The exception is if you frequently travel or visit another state where they excess charges are legal (in 42 states, they are). We can also help you decide between Plan G and Plan N your specific case.

The average monthly premium for Plan N in Columbus is $111.93. Same as the other Medicare Supplements, the Plan N we suggest for our clients is the one with the lowest premium, which we’ve included in the Top 5 list below.

If you don’t travel out of state frequently, and premiums in your zip code are lower than those for Plan G, Plan N may be right for you. Take a look at what that entails below:

Part A Coinsurance

Part A Hospice Care Coinsurance + Copay

Part A Deductible

Blood (3 Pints)

Part B Coinsurance + Copay

Part B Excess Charge

Part B Deductible

Top 5 Cheapest Plan N Options in Columbus:

  • 1.

    Prosperity Life Insurance

    $88.34/month

  • 2.

    Chubb Limited

    $89.58/month

  • 3.

    Allstate Insurance

    $90.75/month

  • 4.

    Insurance Capital

    $91.43/month

  • 5.

    Ggc

    $91.82/month

Premiums do vary by zip code, so contact us below to hear the local premiums you can actually enroll in.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

What about Plan F in Columbus, OH?

Plan F offers the most complete coverage among the Medicare Supplement Plans, but this option is not available to individuals who became 65 after 2020. If you are eligible for Plan F, it is worth considering, especially if the premium is reasonable when compared to Plan G.

Plan F offers the following benefits:

Part A Coinsurance

Part A Hospice Care Coinsurance + Copay

Part A Deductible

Blood (3 Pints)

Part B Coinsurance + Copay

Part B Excess Charge

Part B Deductible

Call us if you are interested in exploring your Plan F options. Remember: if your Plan F premium is $19 more than your Plan G premium, Plan G becomes the cheaper option because the Part B Deductible is only $226. Plan F covering your Part B deductible is the only difference between it and Plan G.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2022 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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