Is Medicare Supplement Plan F Going Away in Ohio?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Ohio? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Ohio Medicare Part D plan.
Ohio has Standardized Medicare Supplements
Ohio insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
All Medicare Supplements sold in Ohio provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more, visit the Ohio Department of Insurance website at http://www.insurance.ohio.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Ohio dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Ohio is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
- 1-800-686-1578; TTY: 1-614-644-3745
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