Medicare Insurance Plans Shelby County, OH

Medicare Insurance in Shelby County, OHDon't let all of the Medicare health insurance options in Shelby County scare you. Click one of the plan types below to compare just the Medicare coverage you need. Click here to learn more about your Medicare options.

Plan ID: S5820-013
Monthly Premium
$46.20
Plan ID: S5921-359
Monthly Premium
$27.50
Plan ID: S7230-002
Monthly Premium
$37.10
Plan ID: S5810-184
Monthly Premium
$114.00
Plan ID: S5810-048
Monthly Premium
$23.10
Plan ID: S5596-014
Monthly Premium
$70.80
Plan ID: S5596-015
Monthly Premium
$108.40
Plan ID: S5596-013
Monthly Premium
$30.80

To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.

Shelby County Medicare Insurance Options

Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Shelby County or Ohio. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.

As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.

MedicareWire.com seeks to take as much of the guess work out of selecting Medicare health insurance as possible. Our goal is to help you narrow down your plan options before you get on the telephone with a licensed adviser. We know from experience that an educated healthcare consumer is more often satisfied with the care they receive than those who don't do their homework.

Medicare Advantage Insurance in Shelby County

If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Shelby County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.

For most Shelby County seniors cost is a factor, so let's talk about it. You have plans as low as $0.00 per month and some as high as $95.00 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 6 plans that give you prescription drug coverage and 2 that don't include it.

Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.

In many areas you will find one or more $0 plans. This simply means that there's no additional monthly premium cost to you above and beyond your monthly Part B premium. In all cases you are required to continue to pay your monthly Part B premium in addition to the Medicare Advantage plan premium.

A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.

A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.

Medicare Supplement Insurance in Shelby County

The only relief Ohio seniors have from the high cost of medical bills is additional insurance. That's because Original Medicare does not set limits on your annual out-of-pocket expenses. It's a serious risk that you need to consider. If you plan to keep your Original Medicare, the solution is Medicare Supplement insurance (Medigap).

Medigap insurance is available in Ohio in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.

Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.

You can learn more about supplemental Medicare insurance on our Medigap Frequently Asked Questions page and our Medigap Coverage page.

Medicare Prescription Drug Plans in Shelby County

In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a Ohio Medicare Part D plan (PDP) to get cost assistance.

You have a total of 32 Ohio PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $12.60 per month. At the high end, premiums top out at $119.10 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.

You can learn more about Medicare Part D prescription drug insurance on our Medicare Part D Frequently Asked Questions page and our Medicare Part D Coverage page.

How-To Find a Medicare Doctor in Shelby County, Ohio

We've recently added all Shelby County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Anna, Botkins, Fort Loramie, Houston, Jackson Center, Maplewood, Port Jefferson, Sidney, and surrounding areas.