The rule since 2020
OAC 3901-8-08(L) applies MACRA's standards to Medigap policies sold in Ohio to people newly eligible for Medicare on or after January 1, 2020. No policy that covers the Part B deductible may be sold to them. So for these people:
- Plans C, F and high-deductible F can't be offered.
- Plan D takes the place of Plan C, and Plan G takes the place of Plan F, in guaranteed-issue situations.
- High-deductible Plan G takes the place of high-deductible F. It pays nothing until you meet a yearly deductible of $3,050 in 2027, and the Part B deductible you pay counts toward it.
The rule says plans for people eligible before 2020 stay under the earlier standards, so Plan F can still be sold to them.
Who can still buy Plan F
- People eligible for Medicare before January 1, 2020, including those who were eligible but didn't sign up then.
- People who already have Plan F, who can keep it as long as they pay premiums.
If you buy Plan F outside your open enrollment or a guaranteed-issue right, the company can ask health questions. Ohio has no birthday rule that guarantees a later switch.
Plan F vs. Plan G
Plan F and Plan G have the same benefits except one: Plan F pays the Part B deductible and Plan G doesn't. Both pay Part B excess charges, though Ohio's balance-billing law (ORC 4769.02) bars Ohio-licensed practitioners from charging them. Because no new enrollees have joined Plan F since 2020, some people who keep it compare its premium with Plan G's, but switching may mean health questions.
If you have Plan F now
- Keep it if it works for you. No one can make you switch.
- Compare Plan G quotes. Weigh the premium difference against the Part B deductible.
- Apply before canceling. Keep Plan F until a new policy is approved, then use the 30-day free look.
To compare Plan F and Plan G from the companies they work with, you can request a call from a licensed insurance agent. See Medigap in Ohio.
Related questions
Medigap Plan G vs. Plan N
The two most-compared letters today.
Can I switch Medigap plans in Ohio?
Moving from F to G.
Are Medigap rates based on age in Ohio?
How prices are set.
Sources
- Ohio Administrative Code 3901-8-08, Medicare supplement, paragraph (L)
- Medicare.gov — Compare Medigap plan benefits
- CMS — Choosing a Medigap Policy
- CMS — Deductible for Medigap high-deductible options, 2027
More questions in this guide
- Are Medigap rates in Ohio based on age?
- Can I get Medigap under 65 in Ohio?
- Can I get Medigap with pre-existing conditions in Ohio?
- Can I switch Medigap plans in Ohio?
- Does Ohio have a Medigap birthday rule?
- What is the difference between Medigap Plan G and Plan N?
- What happens to my Medigap if I move out of Ohio?
- When can I buy Medigap in Ohio?
Part of the guide: Medigap (Medicare Supplement) in Ohio · All questions
Frequently asked questions
Why did Plan F stop being sold to new enrollees?
The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) bars Medigap policies sold to people new to Medicare from 2020 on from covering the Part B deductible. Plans C and F both cover it.
I turned 65 after 2020 but got Medicare earlier because of a disability. Can I buy Plan F?
Medicare.gov says people eligible for Medicare before January 1, 2020, may be able to buy Plan C or F. Because eligibility, not age, is what counts, confirm your Medicare eligibility date with the company.
Will my Plan F be canceled?
No. Ohio's rule makes Medigap policies guaranteed renewable; the company can't cancel for any reason other than nonpayment of premium or material misrepresentation.
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