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Numerous senior citizens in the US place their trust in government-backed programs to provide them with ample support whenever they come face to face with a medical emergency. Many surveys reveal that approximately 16 million adults in the US are going through medical debt and owe more than $10,000.

On the other hand, people with disabilities have to go through extra financial burdens due to specific medical treatments and equipment they require. Even after years of careful financial planning and saving money, nobody is immune to the rising medical costs and having to go through some form of financial strain after an unforeseen medical emergency.

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Medicare Options in Ohio

Original Medicare

The Original Medicare, also called traditional Medicare, is one of the most popular plans in Ohio. This program consists of Part A and Part B.

Medicare Part A

The Original Medicare Part A option offers decent copay options for your in-home hospice care, lab tests, specialized nursing facilities, and hospital services.

In 2022, Medicare Part A includes a deductible of $1,556 that you will be expected to pay. There are several other exclusions and exceptions involved in Part A, and to find out more you can always consult with our Medicare insurance agents.

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Supplemental Health Insurance – Medigap Options in Ohio

Since the Original Medicare Part A and Part B plans only provide coverage for 80% of the overall medical expenses, many people in Ohio like to purchase a secondary healthcare plan called Medigap. This supplemental health insurance policy pays 20% of the coinsurance.

Medigap is a comprehensive health insurance plan that beneficiaries like to invest in to get coverage for all the gaps in the Original Medicare. This set of insurance policies is labeled A through N.

Private insurance companies that provide Medigap coverage must adhere to federal rules and regulations since these plans are governed by the state’s insurance commissioners. To become eligible for Medigap, you must be enrolled in the Original Medigap Part A or Part B plan, and you must be 65 years of age or older. Other people who qualify for Medigap are people who have been diagnosed with amyotrophic lateral sclerosis or end-stage renal disease.

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Medicare Enrolment

Initial Enrolment

This enrolment period begins three months prior to and ends three months after your 65th birthday. You can initiate your application process during this time period or even switch or upgrade your current plan.

General Enrolment

This period starts on January 1st and ends on March 31st. If you missed out on the initial enrollment, you could always sign up for Medicare during the general enrollment period.

Medicare Advantage Open Enrolment

The open enrolment period begins on October 15th and ends on December 7th. You can use this time period to switch or upgrade your current Part C plan.

Special Enrolment

During the special enrolment period, you will be given a chance to enroll or switch plans if you lose your eligibility due to any unforeseen circumstances.

Comparing Medicare Plans in Ohio

Here are some factors you should consider when signing up for a Medicare insurance plan.

Provider Network

Many Medicare programs provide their subscribers with a recommended network of healthcare providers that agree to their terms and conditions. If you choose out-of-network providers, you will be asked to pay higher premiums and charges.

To prevent any excessive medical charges, try to find physicians and hospitals that are a part of their network.

Amount of Coverage Required

When investing in a healthcare plan, make a note of all your primary needs and any specific treatments that you regularly require.

Medigap and Medicare Advantage plans provide many additional benefits like coverage of vision, dental, and hearing that aren’t included in the Original Medicare. Make sure you purchase a plan that provides coverage for all of your primary needs.

Compare Plan Ratings

If you want to compare plan ratings, make sure to check out the performance data that the Center for Medicare and Medicaid releases annually.

Out-of-Pocket Expenses

Copayments, coinsurance, and deductibles are some out-of-pocket expenses you will be responsible for paying. Unlike Medigap, the Original Medicare plan does not have any limit on out-of-pocket expenses.

To compare the pricing on different plans in Ohio, you can use our plan finder tool.  

Monthly Premiums

A monthly premium can be a significant addition to your budget apart from the Part B deductible. To prevent any excessive medical expenses, try to opt for at least one no-premium plan.

Drug Coverage

Make sure your prescription medication is enlisted in your plan’s formulary. If not, you can ask your doctor to recommend a generic or alternate version of that drug that is mentioned in the formulary.

Freedom to Travel

If you travel frequently, find out if your insurance plan enables you to exercise your healthcare benefits on foreign and domestic trips. Your health insurance plan will cover any medical emergencies, check-ups, treatments, and medical bills wherever you go.

Additional Benefits

Always check if your plan includes additional benefits like vision, dental, hearing, and other targeted medical treatments.

Medicare Eligibility in Ohio

People who are eligible for Medicare:

  • Must be 65 years old or older
  • People under 65 also qualify if they have been receiving disability benefits from the Railroad Retirement Boardor Social Security for at least 24 months
  • Have been diagnosed with ALS or end-stage renal disease

Have been on regular dialysis or had renal failure.

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Get in Touch with Medicare Hope Insurance Agents in Ohio Today!

Our Medicare insurance agents at Integrity Now Insurance Brokers are a certified team of insurance agents who can help simplify the intimidating process of applying to Medicare.

Your health is our priority! With our services, you can connect to Ohio’s top-rated Medicare insurance agencies, which we carefully selected based on their proven track record at the most competitive rates. We excel in streamlining robust health insurance policies that will maximize protection for you and your family.

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