Medicare Supplement

Before you compare Medigap quotes in Toledo for 2026

TOLEDO, Ohio — If you have a Medigap policy in Lucas County, or you are thinking about buying one for the first time, a handful of things quietly reset each year. The plan letters you can buy, the Part B deductible that Plans G and N are built around, the rate filings insurers send to the Ohio Department of Insurance, and the roster of companies selling in the state — all of it shifts a little heading into 2026.

Here is what Toledo readers should keep an eye on this season, and where to look for the numbers that are specific to your policy.

Plan-letter eligibility: what you can actually buy

Medigap plans are standardized by letter, which means a Plan G from one insurer covers the same federally defined gaps as a Plan G from another. What is not the same across insurers is the price, the underwriting rules, and any extras like household discounts.

For anyone newly eligible for Medicare today, the letters on the menu in Ohio are A, B, D, G, G-HD (a high-deductible version of G), K, L, M and N. Plans C and F — the two that used to cover the Part B deductible — are only sold to people who were eligible for Medicare before January 1, 2020. If that is you, you can still keep or switch into a C or F, and several Ohio carriers still offer them.

The Part B deductible reset that shapes Plans G and N

Plans G and N are the two most talked-about letters right now, and both are designed around one moving number: the Part B deductible. You pay that deductible out of pocket at the start of each calendar year, and then the Medigap plan picks up its share.

Because the Part B deductible resets every January, your first doctor visits of 2026 will feel different from your last visits of 2025 — not because your Medigap changed, but because the deductible clock started over. For the exact 2026 figure, check medicare.gov or your Medicare & You handbook; we do not quote it here to avoid giving you a stale number.

Rate-adjustment season in Ohio

Medigap premiums are not set by Medicare. In Ohio, insurers file proposed rates with the Ohio Department of Insurance, and rate changes usually land in the mail as a letter from your carrier a month or two before they take effect.

A few things to know if you get one of those letters:

• A rate change does not mean your coverage changed. The letter benefits are still tied to the plan letter you bought.
• Rates can be based on your age when you bought (issue-age), your current age (attained-age), or a community-rated pool — Ohio allows more than one method, so two neighbors with the same letter can see different increases.
• You can shop other carriers at any time, but outside your one-time Medigap open enrollment window (the six months starting when you are 65 and enrolled in Part B), insurers in Ohio can use medical underwriting. That means a new company can ask health questions and decline you, so do not cancel an existing policy until a new one is approved.

To check filings, search "Ohio Department of Insurance Medigap rate guide," or call the Ohio Senior Health Insurance Information Program (OSHIIP), the state's SHIP, for free one-on-one help.

Insurers entering or leaving

The list of companies licensed to sell Medigap in Ohio does change from year to year, but not dramatically. The table below on this page lists every insurer currently selling Medigap in the state and which plan letters each one offers — from AARP - UnitedHealthcare Insurance Company through WoodmenLife.

A few names Toledo readers will recognize from other lines of business appear on that list, including Anthem Blue Cross and Blue Shield - Ohio, Medical Mutual of Ohio, Mutual of Omaha, State Farm Mutual Automobile Insurance Company and Humana. What matters when you are comparing is not the logo — it is the plan letter, the rate method, and how long the company has been renewing policies at stable rates in Ohio. OSHIIP counselors can walk you through that history.

What Toledo shoppers should do this fall

Medigap does not follow the October 15 – December 7 Annual Enrollment Period the way Medicare Advantage and Part D plans do. You can apply for a Medigap policy any month of the year. But fall is still a smart time to review, because:

• Your Part D drug plan (separate from Medigap) does have the October 15 – December 7 window.
• Your Medigap rate letter for 2026 has likely arrived or will soon.
• The 2026 Part B deductible — the number Plans G and N are built around — is published for the new year.

If you are inside your six-month Medigap open enrollment window, that is the one time you can buy any plan sold in Ohio without medical underwriting. Do not let that window close without at least comparing.