Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – September 24, 2022
Reviewed by Dr. Brindusa Vanta, MD

Seniors in the United States are generally eligible for low-cost and free health insurance through the federal Medicare program. Nationwide, Medicare enrolls about 64 million people, nearly all of them seniors or adults with certain qualifying medical conditions. Over 2.3 million Medicare beneficiaries live in Ohio, where the total population is 7.7 million

Ohio Medicare participants have a few options to get their benefits. Beneficiaries who opt into Original Medicare get Part A, the inpatient hospital coverage, premium-free with a copay due at the point of service. Part B comes with a monthly premium,The standard Part B premium amount in 2022 is $170.10 a month, and covers outpatient expenses such as office visits, ambulance rides and durable medical equipment. Part D is Original Medicare’s prescription drug benefit. Its benefits and costs vary considerably from one beneficiary to another and from place to place.

In 2021, about 42% of Ohio’s seniors got their Medicare benefits through authorized private resellers. This is Medicare Advantage, often called Part C, and it is a popular choice for Ohio seniors. Under Part C, it folds together all the benefits provided under Parts A and B into a single coverage plan with one monthly premium. The program can include some prescription drug benefits in this package, as well as extra coverage for services Medicare usually doesn’t pay for, such as dental care, hearing and vision services. Medicare currently spends about $830 billion a year on coverage for qualified beneficiaries nationwide.

This guide goes through the various ways Ohio seniors can use their Medicare benefits. It explains what each part of Medicare is, how it works and how eligible seniors can combine services to get the best coverage possible. Finally, it includes a list of helpful and informative resources for seniors planning their care options.

Options for Medicare Coverage in Ohio

Original Medicare is the most popular choice for Ohio seniors, but it isn’t the only option available. Ohio residents have a lot of other options to get coverage, and Medicare-eligible seniors are free to craft a care plan that better meets their needs. Along with the federal program, there are several privately offered alternatives to choose from.

Original Medicare (Parts A & B)

Original Medicare is administered by the Centers for Medicare & Medicaid Services and is open to seniors aged 65 and over, along with those under 65 years old, but with certain disabilities or end-stage kidney disease. It includes two parts. Part A covers inpatient hospital care, nursing home and skilled nursing care, hospice and home health care. Part B, or medical coverage, pays for medically necessary goods and services such as durable medical equipment, mental health services and emergency medical transportation. 

Unlike most private Medicare plans, Original Medicare’s provider network isn’t limited to the beneficiary’s geographic region, making it easier to obtain services while traveling within the country. In most cases, Medicare doesn’t pay for health services the individual receives outside the United States. 

Under this program, seniors pay for services as they receive them. They must pay an annual deductible, which is $1,556 for Part A and $233 for Part B in 2022. After they’ve paid this amount, Medicare covers all eligible services at 80%. Beneficiaries pay the remaining 20% out of pocket.

Who Should Consider Original Medicare

Original Medicare may be a good option for those who:

  • Travel frequently within the United States
  • Don’t need extra benefits such as home-delivered meals and coverage for over-the-counter medication
  • Want to choose their own prescription drug coverage

Medicare Advantage (Part C)

Medicare Advantage, or Part C, is another option for seniors to structure their Medicare benefits. Private insurance carriers offer Part C plans. These plans must include all Parts A and B coverage, except hospice care, which remains a Part A benefit. Customers are free to go beyond Medicare Advantage plans’ minimum levels and add prescription drug benefits and dental and vision care. Some plans offer discounts for over-the-counter medications, non-emergency medical transportation and even fitness programs.

Medicare Advantage offers plans in four main types: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee For Service (PFFS) plans and Special Needs Plans (SNPs). Each plan’s benefits depend on premium, deductible and maximum out-of-pocket costs and the extent of coverage. Seniors should research each plan before deciding.

Who Should Consider Medicare Advantage

Medicare Advantage can be a good choice for seniors who:

  • Want a single premium bill for their entire coverage plan
  • Want more precise control over their costs and benefit structure
  • Need services Original Medicare doesn’t offer, such as dental and vision care
  • Are looking for routine medical services at a relatively low and predictable cost
  • Prefer the convenience of managed care

The Top 10 Medicare Advantage Plans in Ohio

Ohio seniors have access to several popular and highly rated Medicare Advantage plans. The table below lists some of the top providers and cost data current as of April 2022. More information about Part C is on the Medicare Advantage Plans in Ohio page. 


Total Enrollment

Star Rating

Min Cost

Max Cost

Plan Types

Anthem Blue Cross and Blue Shield






Aetna Medicare
























Medical Mutual of Ohio






SummaCare Medicare Advantage Plans






PrimeTime Health Plan






Wellcare by Allwell






Paramount Elite Medicare Plans






Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t pay for most prescription drugs through Part A or B coverage. Instead, seniors purchase separate prescription drug policies, also called Part D coverage. Medicare contracts with private health insurance companies to provide this coverage. There are multiple plans to choose from with varying monthly premiums, which beneficiaries pay in addition to their Original Medicare premiums. While seniors don’t have to purchase prescription drug coverage when they’re first eligible for Medicare, not obtaining this coverage at this time may result in late enrollment penalties they pay for as long as they have Medicare if they enroll later.

Each prescription drug plan has its own formulary, or list of covered drugs. Formularies are typically split up into tiers. The tier a medication is in determines how much the insurance company pays and how much the beneficiary pays for it. Lower-level tiers are usually made up of generic and low-cost brand name drugs, while higher tiers are composed of more expensive brand name and specialty drugs. In most cases, the lower the tier, the lower the policyholder’s cost-sharing responsibility.

Who Should Consider Medicare Prescription Drug Coverage

Seniors who may benefit from prescription drug coverage include those who:

  • Currently take prescription medication or expect to in the future
  • Want to avoid late enrollment penalties
  • Want to reduce out-of-pocket prescription drug expenses

Medicare Supplement Insurance (Medigap)

While Original Medicare provides coverage for many medical costs, seniors may still have significant out-of-pocket expenses. These may include copays, coinsurance and deductibles. Seniors may be able to reduce their cost-sharing obligations by purchasing a Medigap plan. These plans can only be used with Original Medicare. It’s illegal for private insurance companies to sell Medigap plans to those with Medicare Advantage plans.

In Ohio, there are 10 types of Medigap plans, eight of which are available to new enrollees. Plans are standardized, meaning policyholders get the exact same coverage from a given plan regardless of the health insurance provider they buy it from. For more information on Medigap plans, seniors can refer to the Best Medicare Supplement Companies of 2022 page.

Who Should Consider Medicare Supplement Insurance

Good candidates for Medigap may be those who:

  • Have ongoing health issues and expenses
  • Travel overseas often
  • Want to access an expanded network of health care providers
  • Expect to need health services not covered by Original Medicare

Medicare Resources in Ohio

It can be challenging to make sense of all the different options for Ohio Medicare. Fortunately, Ohio seniors can get help understanding all their options through several local and national resources. These agencies assist seniors with navigating the different policy options available to find the best coverage for them. The resources listed below offer one-on-one counseling about benefits, impartial advice and help enrolling in Original Medicare Parts A and B, various drug coverage options, Medicare Advantage and privately issued Medigap plans in Ohio.

Senior Health Insurance Information Program

The Ohio Senior Health Insurance Information Program (OSHIIP) provides free, unbiased information to help seniors understand the differences in coverage between Original Medicare, Medicare Advantage and the various Medigap policies. Trained volunteers can offer information about drug prescription options, Medicare Savings Programs that a senior may be eligible for and other ways to reduce out-of-pocket expenses. Assistance is also available to help seniors organize appeals for denials of coverage.

Contact Info

Seniors who need information and advice from OSHIIP can call the program at (800) 686-1578, or visit the online directory to find a specific office and contact information to schedule an in-person visit.

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Area Agencies on Aging

Ohio has 12 Area Agencies on Aging (AAA) that provide region-specific advice and assistance for seniors with a wide range of issues. Health insurance counselors working at local agencies can help seniors enroll in Medicare, Medicare Advantage and Medicaid. Local agencies can also assist seniors with nutritional support, transportation issues, civil and legal assistance and other matters related to senior living.

Contact Info

Ohio seniors who need to find their local AAA office can call (866) 243-5678 to speak with a representative or visit the Ohio Department of Aging’s online hub to schedule an appointment or sign up for services.

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Ohio Department of Insurance

The Ohio Department of Insurance is a central point for seniors to find program information, provider data, fraud alerts and other valuable information to help them make informed health coverage choices. The department can educate seniors and their families about Medicare options and provide enrollment assistance. Seniors can also use the department’s online portal as an entry point to compare private Medicare-affiliated plans and look for referrals on Medicare-related issues. Seniors can also file complaints with the department about private or public insurance issues, denials of care and other matters that require state government intervention.

Contact Info

Seniors looking for information can visit the department online or call (800) 686-1526 for general inquiries. They can refer concerns about fraud and enforcement matters to the enforcement division at (800) 686-1527.

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Ohio Health Advocates

OhioHealthy Member Advocates is a nonprofit state agency that advances the interests of seniors enrolled in Medicare. The program’s HICAP counselors give one-on-one counseling that can help seniors find their way through the various Medicare options open to them, and they provide impartial advice to help seniors pick the right one for them. OhioHealthy is also a helpful resource for seniors researching private insurance options, such as Medigap policies available in Ohio.

Contact Info

Seniors in Ohio can reach OhioHealthy Advocates by calling the main office at (844) 200-6449 or through the Nurse Advice Line at (844) 834-4375. Provider locator services are also available online.

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Senior Medicare Patrol

The volunteers who work with the Ohio Senior Medicare Patrol are an invaluable resource for seniors and families of Medicare enrollees worried about fraud and abuse relating to benefits. Program staff keeps an updated list of known issues seniors need to be wary of, and personal advice to help avoid scams is available in one-on-one and phone-consulting settings. In addition to known fraud cases, the volunteer educators of the Senior Medicare Patrol can also educate members of the public about the warning signs of a scam.

Contact Info

Seniors can reach the Ohio Senior Medicare Patrol online or by calling (513) 458-5522. Seniors can set up in-person and virtual education appointments using the SMP’s online contact form.

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Social Security Administration

The National Social Security Administration (SSA) is a valuable resource for direct information from the federal agency administering seniors’ benefits. From the SSA’s online hub, seniors can review publicly available documents relating to Medicare, including up-to-date information about upcoming changes, as well as background guides on Medicare Advantage and other programs. Seniors enrolled in Medicare can use the site to locate and apply for financial assistance and determine their eligibility for various federal programs.

Contact Info

Seniors can visit the SSA online or call the main office at (800) 772-1213. Enrollees and seniors who will soon be eligible to enroll in Medicare can find a local office through the Office Locator tool.

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