Medicare Supplement
Medigap in Ohio for 2027: 33 Insurers and the Plans They Sell
COLUMBUS, Ohio — As Medicare Open Enrollment 2027 runs October 15 through December 7, 2026, Ohioans with Original Medicare are also looking at a separate decision: whether to pair it with a Medicare Supplement, better known as Medigap. A search of Medicare.gov's Medigap policy finder for ZIP code 43201 returns 33 insurers offering standardized plans in central Ohio, and the choices made now take effect January 1, 2027.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap search for ZIP code 43201 lists 33 insurers selling standardized plans in letters A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N.
- The six-month Medigap Open Enrollment Period begins when you are 65 or older and enrolled in Part B, and it is the one window when any listed Medigap plan must be sold to you without medical underwriting.
- Ohioans in one of the 63 Medicare Advantage plans offered in Ohio in 2026 but not returning anywhere in the state in 2027 have a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Ohio?
Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help pay cost-sharing like coinsurance and deductibles. It is not Medicare Advantage. With Medigap, you keep Original Medicare as your primary coverage and generally can see any provider in the country that accepts Medicare; with Medicare Advantage, a private plan replaces Original Medicare and usually uses a network. You cannot be enrolled in both at the same time. Medigap policies are federally standardized by letter, which means Plan G from one company covers the same federally defined benefits as Plan G from another company, though premiums and customer service differ.
Which insurers and Medigap plan letters are listed for Ohio in 2027?
For ZIP code 43201, Medicare.gov's Medigap policy search lists 33 insurers. Across those insurers, the plan letters sold by at least one company are A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. Availability can differ by ZIP code and by age, sex and tobacco use, so your own search may return a different set.
The listed insurers are: AARP – UnitedHealthcare Insurance Company (A, B, C, F, G, K, L, N); AARP – UnitedHealthcare Insurance Company of America (A, F, G, N); AFLAC (A, F, G, N); AIC – PrimeTime Choices (A, F, F-HD, G, G-HD, N); American Benefit Life Insurance Company (A, F, G, N); Anthem Blue Cross and Blue Shield – Ohio (A, F, G, N); Atlantic Capital Life Assurance Company (A, F, G, G-HD, K, N); Bankers Life, underwritten by Washington National Insurance Company (A, F, G, G-HD, N); Continental Life Insurance Company of Brentwood, Tennessee (Aetna) (A, B, F, G, G-HD, N); Erie Family Life Insurance Company (A, F, G, N); Everence Association Inc. (A, F, G, L, N); Globe Life and Accident Insurance Company (A, F, G, G-HD, N); GPM Health and Life Insurance Company (A, C, D, F, G, N); Guarantee Trust Life Insurance Company (A, F, G, N); HealthSpring Insurance Company (A, F, G, G-HD, N); Heartland National Life Insurance Company (A, C, G, N); Humana (Humana Benefit Plan of Illinois, Inc.) (A, F, F-HD, G, G-HD, N); Humana Achieve (CompBenefits Insurance Company) (A, F, G, G-HD, N); Insurance Company of North America (A, F, G, G-HD, N); LifeShield National Insurance Company (A, F, G, N); Lumos Insurance (A, F, G, G-HD, N); Medical Mutual of Ohio (A, F, G, G-HD, K, N); Medico Life and Health Insurance Company (A, F, F-HD, G, G-HD, N); Mutual of Omaha (Omaha Supplemental Insurance Company) (A, F, G, G-HD, N); Nassau Life Insurance Company (A, F, G, N); New Era Life Insurance Company (A, C, D, F, F-HD, G, G-HD, M, N); Pekin Life Insurance Company (A, F, G, N); Physicians Select Insurance Company (A, F, G, G-HD); State Farm Mutual Automobile Insurance Company (A, C, D, F, G, N); THP Ins. Co (A, C, D, F, F-HD, G, G-HD, N); United American Insurance Company (A, B, C, D, F, F-HD, G, G-HD, K, L, N); USAA Life Insurance Company (A, F, G, N); and WoodmenLife (A, F, G, G-HD, N).
Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
When is the six-month Medigap Open Enrollment Period in Ohio?
Your Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you are both age 65 or older and enrolled in Medicare Part B. During that window, any Medigap plan sold in Ohio must be issued to you without medical underwriting, and the insurer cannot charge you more because of your health history. Outside that window, insurers in Ohio can generally ask health questions and may decline coverage or charge more, except where a guaranteed-issue right applies.
What happens if my Medicare Advantage plan is not returning in Ohio in 2027?
According to CMS Landscape files, 63 Medicare Advantage plans offered in Ohio in 2026 are not being offered anywhere in the state in 2027. Members of a non-renewing plan get a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting, within the timeframes set by Medicare. If you get a non-renewal notice from your plan, keep it; you may need it when you apply. Medicare.gov and 1-800-MEDICARE can confirm which Medigap plans you qualify to buy on a guaranteed-issue basis and the deadlines that apply.
Does Medigap in Ohio cover prescription drugs?
No. Medigap policies sold today do not include prescription drug coverage, so Ohioans who want help paying for medications generally add a stand-alone Medicare Part D plan. Part D is chosen separately during Annual Enrollment, October 15 – December 7, 2026, with coverage starting January 1, 2027. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowed Part D deductible is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan.
How should Ohioans compare Medigap policies for 2027?
Start by comparing the same federally standardized letter across companies — for example, Plan G to Plan G — because the benefits inside the letter are identical by law. Then look at the insurer's premium for your age and ZIP code, how the company rates premiums (such as community, issue-age or attained-age), customer service, and billing practices. Enter your ZIP code at Medicare.gov to see the current list of insurers and plan letters available to you, and request the official outline of coverage from any insurer you are seriously considering.
Where can Ohioans get free help with Medigap questions?
Free, unbiased help is available from Medicare directly. Visit Medicare.gov to compare Medigap policies and Part D plans, or call 1-800-MEDICARE (1-800-633-4227), which operates 24 hours a day, 7 days a week. The Social Security Administration also announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which may affect household budgeting as you weigh coverage choices.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
Do I have to answer health questions to buy Medigap in Ohio?
Can I have Medigap and Medicare Advantage at the same time?
How do I add prescription drug coverage if I buy a Medigap plan?
Where can I see the full list of Medigap insurers for my own ZIP code?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov: the Medigap policy search for ZIP code 43201, including the 33 listed insurers and the plan letters each sells.
- Medicare.gov: Medigap rules, including the six-month Medigap Open Enrollment Period and federal guaranteed-issue rights.
- CMS Landscape Source File: the count of 63 Medicare Advantage plans offered in Ohio in 2026 and not returning anywhere in the state in 2027.
- CMS: the 2027 Part D parameters, including the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium.
- Medicare.gov: the Annual Enrollment dates of October 15 – December 7, 2026, with coverage effective January 1, 2027.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.