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Monroe County · Michigan

Medicare Advantage Plans in Monroe County, Michigan: Your Complete 2027 Guide

For 2027, Monroe County residents can choose from 52 Medicare Advantage plans, 35 of them with a $0 Part C premium, from 10 insurance companies. 65% of those plans belong to contracts CMS rated 4 stars or higher for 2026, and 13 plans offered in 2026 are not returning.

Page last revised October 8, 2026 · Plan data refreshed October 8, 2026 from CMS Contract Year 2027 files

2027 Medicare Advantage by the numbers

Monroe County at a glance

Figures cover the 52 non-Special-Needs Medicare Advantage plans. “$0 premium” and “average premium” use the Part C premium; the consolidated Part C + D figure is shown separately.

52Medicare Advantage plans (-1 vs 2026)
35with a $0 Part C premium (67%)
$27.94average Part C premium / month
$46.11average Part C + D premium / month
$6,413average in-network MOOP (max $9,850)
$371.93average Part D deductible (drug plans)
65%of plans from 4★+ contracts (2026 ratings)
24Special Needs Plans (counted separately)

Source: CMS Medicare Advantage/Part D Landscape, CY2027 and CY2026; CMS Part C & D Star Ratings 2026. Accessed October 8, 2026.

What changes for 2027

Paramount Elite Medicare Plans is leaving Monroe County in 2027

Comparing the CMS 2026 and 2027 landscapes and the CMS plan crosswalk for Monroe County: 13 plans are not returning (terminated or consolidated into another plan), 15 plans are new or replacement plans, and 53 plans renew. The county goes from 53 to 52 standard Medicare Advantage plans. New to the county for 2027: Zing Health.

Every plan mailed its Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket maximum, copays, the drug list and tiers, the network and extra benefits. Compare it line by line with what you use — or bring it to Kris and she’ll go through it with you.

If your plan is not renewing, you’ll receive a non-renewal letter in October and get a Special Enrollment Period from December 8 through the end of February, on top of the Annual Enrollment Period (October 15 – December 7). The official Medicare & You 2027 handbook explains your options.

Plans not returning in Monroe County for 2027

Plan (2026)CarrierTypeCMS crosswalk statusMembers move to
Wellcare Simple Open (PPO)H2117-001WellcarePPOTerminated/Non-renewed Contract—
Wellcare Dual Access Open (PPO D-SNP)H2117-002WellcarePPO D-SNPTerminated/Non-renewed Contract—
PriorityMedicare Key (HMO-POS)H2320-022-003Priority Health MedicareHMO-POSRenewal Plan with SARH2320-022
Paramount Elite Enhanced (HMO-POS)H3653-004Paramount Elite Medicare PlansHMO-POSRenewal Plan with SARH6723-007
Paramount Elite Standard (HMO-POS)H3653-015Paramount Elite Medicare PlansHMO-POSRenewal Plan with SARH6723-008
Paramount Elite Prime (HMO-POS)H3653-022Paramount Elite Medicare PlansHMO-POSRenewal Plan with SARH6723-009
PriorityMedicare Thrive Plus (PPO)H4875-018-003Priority Health MedicarePPORenewal Plan with SARH4875-018
PriorityMedicare Thrive (PPO)H4875-024-002Priority Health MedicarePPORenewal Plan with SARH4875-024
Humana USAA Honor Giveback with Rx (PPO)H5216-305HumanaPPOConsolidated Renewal PlanH5216-306
Paramount Elite Preferred (PPO)H5232-001Paramount Elite Medicare PlansPPORenewal Plan with SARH4497-006
Wellcare Dual Reserve (HMO-POS D-SNP)H5475-039WellcareHMO-POS D-SNPTerminated/Non-renewed Contract—
Humana USAA Honor Giveback with Rx (PPO)H7617-071HumanaPPOConsolidated Renewal PlanH7617-058
Medicare Plus Blue + Meijer (PPO)H9572-007-002Blue Cross Blue Shield of MichiganPPORenewal PlanH9572-007

New and replacement plans in Monroe County for 2027

Plan (2027)CarrierTypePremium / moMOOP
PriorityMedicare Key (HMO-POS)H2320-022-005Priority Health MedicareHMO-POS$0.00$6,950
PriorityMedicare Align (HMO-POS)H2320-033-005Priority Health MedicareHMO-POS$6.30$6,800
AARP Medicare Advantage from UHC MI-4 (HMO-POS)H2736-001UnitedHealthcareHMO-POS$0.00$5,900
UHC Complete Care MI-5 (HMO-POS C-SNP)H2736-002UnitedHealthcareHMO-POS C-SNP$0.00$5,900
Zing Select Care MI (HMO)H4624-006Zing HealthHMO$0.00$6,750
Zing Select Diabetes & Heart MI (HMO C-SNP)H4624-012Zing HealthHMO C-SNP$0.00$6,750
Zing Select Dialysis MI (HMO C-SNP)H4624-023Zing HealthHMO C-SNP$0.00$6,900
PriorityMedicare Thrive Plus (PPO)H4875-018-005Priority Health MedicarePPO$67.00$6,600
PriorityMedicare Edge (PPO)H4875-020-003Priority Health MedicarePPO$0.00$7,100
PriorityMedicare Thrive (PPO)H4875-024-005Priority Health MedicarePPO$0.00$7,150
Zing Open Choice MI (PPO)H6876-001Zing HealthPPO$0.00$6,450
Zing Open Choice Diabetes & Heart MI (PPO C-SNP)H6876-003Zing HealthPPO C-SNP$0.00$6,450
Wellcare Meridian Health Dual Liberty (HMO D-SNP)H7435-002WellcareHMO D-SNP$0.00$9,850
Trinity Health Plan of Michigan Plus (HMO)H9179-004Trinity Health Plan of MichiganHMO$69.00$5,900
Medicare Plus Blue + Meijer (PPO)H9572-007-001Blue Cross Blue Shield of MichiganPPO$45.00$6,750

Reading the numbers

The lowest premium isn’t automatically the right plan

These are facts from the CMS files, not recommendations. The right plan depends on your doctors, prescriptions and how you use care.

Lowest out-of-pocket max

Medicare Plus Blue Assure (PPO)

Blue Cross Blue Shield of Michigan · MOOP $4,000 · Part C premium $221.30

$0 with drug coverage

24 plans

have a $0 consolidated Part C + D premium and include Part D. Compare their drug lists and pharmacy networks before choosing.

Highest-rated contract

Medicare Plus Blue Assure (PPO)

Blue Cross Blue Shield of Michigan · 4.5★ (2026 CMS rating) · MOOP $4,000

HMO plans

HMO Medicare Advantage plans in Monroe County (8)

HMO plans in Monroe County use a set network of doctors and hospitals and usually need a primary care doctor and referrals. In exchange they tend to have the lowest premiums and maximum out-of-pocket limits.

  • 8 plans
  • 7 at $0 Part C premium
  • $2.50 average Part C premium
  • $6,425 average MOOP
  • 2 without drug coverage
PlanCMS rating*Part C premiumPart C + D premiumMOOPPart D deductibleCMS plan ID
HAP Medicare MedicalAccess (HMO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 No drug coverage $4,500 — H2354-019
HAP Medicare Connect (HMO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 $0.00 $5,600 $200 H2354-015
HAP Medicare Superior (HMO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 $0.00 $5,800 $200 H2354-028
Trinity Health Plan of Michigan No Premium (HMO)Trinity Health Plan of Michigan 4.0★Strong $0.00 $0.00 $6,500 $350 H9179-001
Trinity Health Plan of Michigan Glory No RX (HMO)Trinity Health Plan of Michigan 4.0★Strong $0.00 No drug coverage $6,500 — H9179-003
Zing Select Care MI (HMO)Zing Health Not ratedNot rated $0.00 $0.00 $6,750 $500 H4624-006
Trinity Health Plan of Michigan Cash Back (HMO)Trinity Health Plan of Michigan 4.0★Strong $0.00 $0.00 $9,850 $375 H9179-002
Trinity Health Plan of Michigan Plus (HMO)Trinity Health Plan of Michigan 4.0★Strong $20.00 $69.00 $5,900 $250 H9179-004

*2026 CMS overall star rating of the plan’s contract. 2027 ratings are published by CMS in October. Strong = 4★+, Average = 3.5★, Watch = below 3.5★ or not rated. Source: CMS Landscape CY2027.

HMO-POS plans

HMO-POS Medicare Advantage plans in Monroe County (15)

HMO-POS plans work like an HMO but let you go out of network for some services, usually at a higher cost. They suit Monroe County residents who want HMO pricing with a little flexibility.

  • 15 plans
  • 9 at $0 Part C premium
  • $43.58 average Part C premium
  • $6,173 average MOOP
  • 2 without drug coverage
PlanCMS rating*Part C premiumPart C + D premiumMOOPPart D deductibleCMS plan ID
BCN Advantage Elements (HMO-POS)Blue Care Network 4.5★Strong $0.00 No drug coverage $4,500 — H5883-017
AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare Not ratedNot rated $0.00 $0.00 $5,900 $685 H2736-001
AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)UnitedHealthcare Not ratedNot rated $0.00 No drug coverage $6,700 — H2736-004
Aetna Medicare Signature (HMO-POS)Aetna Medicare 3.0★Watch $0.00 $0.00 $6,750 $500 H3192-003
PriorityMedicare Align (HMO-POS)Priority Health Medicare 4.5★Strong $0.00 $6.30 $6,800 $700 H2320-033
PriorityMedicare Key (HMO-POS)Priority Health Medicare 4.5★Strong $0.00 $0.00 $6,950 $300 H2320-022
Wellcare Simple (HMO-POS)Wellcare 3.0★Watch $0.00 $0.00 $7,100 $700 H5475-026
Wellcare Assist (HMO-POS)Wellcare 3.0★Watch $0.00 $0.00 $7,100 $700 H5475-038
Wellcare Giveback (HMO-POS)Wellcare 3.0★Watch $0.00 $0.00 $9,850 $700 H5475-031
BCN Advantage Prime Value (HMO-POS)Blue Care Network 4.5★Strong $41.00 $41.00 $6,000 $600 H5883-014
PriorityMedicare Value (HMO-POS)Priority Health Medicare 4.5★Strong $83.90 $111.00 $6,000 $225 H2320-029
PriorityMedicare (HMO-POS)Priority Health Medicare 4.5★Strong $85.70 $148.00 $5,100 $0 H2320-028
BCN Advantage Classic (HMO-POS)Blue Care Network 4.5★Strong $99.20 $127.00 $4,800 $200 H5883-002
HAP Senior Plus (HMO-POS)Health Alliance Plan by Henry Ford Health 4.0★Strong $105.00 $105.00 $4,650 $0 H2354-021
BCN Advantage Prestige (HMO-POS)Blue Care Network 4.5★Strong $238.90 $256.00 $4,400 $100 H5883-003

*2026 CMS overall star rating of the plan’s contract. 2027 ratings are published by CMS in October. Strong = 4★+, Average = 3.5★, Watch = below 3.5★ or not rated. Source: CMS Landscape CY2027.

PPO plans

PPO Medicare Advantage plans in Monroe County (27)

PPO plans let you see in-network and out-of-network providers without referrals; out-of-network care costs more. They are popular in Monroe County with people whose doctors are spread across more than one health system.

  • 27 plans
  • 18 at $0 Part C premium
  • $26.73 average Part C premium
  • $6,513 average MOOP
  • 3 without drug coverage
PlanCMS rating*Part C premiumPart C + D premiumMOOPPart D deductibleCMS plan ID
Humana Full Access (PPO)Humana 3.5★Average $0.00 $0.00 $5,200 $600 H5216-384
Humana Full Access (PPO)Humana 4.5★Strong $0.00 $0.00 $5,200 $600 H7617-052
HAP Member Assist (PPO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 $6.30 $5,600 $500 H2322-017
AARP Medicare Advantage from UHC MI-0002 (PPO)UnitedHealthcare 3.5★Average $0.00 $70.00 $5,900 $685 H0294-018
HAP Medicare Explore (PPO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 $0.00 $6,050 $400 H2322-011
HAP Medicare Prime (PPO)Health Alliance Plan by Henry Ford Health 4.0★Strong $0.00 $0.00 $6,400 $400 H2322-016
Zing Open Choice MI (PPO)Zing Health Not ratedNot rated $0.00 $0.00 $6,450 $450 H6876-001
Humana USAA Honor Giveback (PPO)Humana 4.5★Strong $0.00 No drug coverage $6,550 — H7617-054
Humana USAA Honor Giveback (PPO)Humana 3.5★Average $0.00 No drug coverage $6,550 — H5216-190
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)UnitedHealthcare 3.5★Average $0.00 No drug coverage $6,700 — H0294-022
Medicare Plus Blue Secure (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $0.00 $0.00 $7,000 $435 H9572-009
PriorityMedicare Edge (PPO)Priority Health Medicare 4.0★Strong $0.00 $0.00 $7,100 $300 H4875-020
AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare 3.5★Average $0.00 $0.00 $7,150 $685 H0294-017
PriorityMedicare Thrive (PPO)Priority Health Medicare 4.0★Strong $0.00 $0.00 $7,150 $400 H4875-024
Medicare Plus Blue Giveback (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $0.00 $0.00 $9,250 $600 H9572-008
Humana Value Plus H5216-382 (PPO)Humana 3.5★Average $0.00 $0.00 $9,850 $0 H5216-382
Humana Full Access Giveback (PPO)Humana 4.5★Strong $0.00 $0.00 $9,850 $150 H7617-058
Humana Full Access Giveback (PPO)Humana 3.5★Average $0.00 $0.00 $9,850 $150 H5216-306
PriorityMedicare Thrive Plus (PPO)Priority Health Medicare 4.0★Strong $22.90 $67.00 $6,600 $225 H4875-018
Humana Full Access (PPO)Humana 3.5★Average $27.40 $41.00 $4,800 $450 H5216-011
Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $38.20 $38.20 $7,150 $400 H9572-004
Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $45.00 $45.00 $6,750 $400 H9572-007
Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $57.30 $101.80 $5,000 $250 H9572-002
PriorityMedicare Merit (PPO)Priority Health Medicare 4.0★Strong $70.00 $156.00 $5,000 $0 H4875-016
Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $115.10 $131.00 $4,300 $200 H9572-001
HAP Senior Plus (PPO)Health Alliance Plan by Henry Ford Health 4.0★Strong $124.50 $165.00 $4,450 $0 H2322-008
Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan 4.5★Strong $221.30 $255.40 $4,000 $100 H9572-003

*2026 CMS overall star rating of the plan’s contract. 2027 ratings are published by CMS in October. Strong = 4★+, Average = 3.5★, Watch = below 3.5★ or not rated. Source: CMS Landscape CY2027.

Regional PPO plans

Regional PPO Medicare Advantage plans in Monroe County (2)

Regional PPOs cover a multi-state region rather than a single county, with a broad network and an out-of-network option. They can suit people who travel within the region.

  • 2 plans
  • 1 at $0 Part C premium
  • $28.65 average Part C premium
  • $6,800 average MOOP
  • 1 without drug coverage
PlanCMS rating*Part C premiumPart C + D premiumMOOPPart D deductibleCMS plan ID
HumanaChoice R0110-013 (Regional PPO)Humana 3.5★Average $0.00 No drug coverage $6,550 — R0110-013
Humana Full Access R0110-014 (Regional PPO)Humana 3.5★Average $57.30 $89.00 $7,050 $700 R0110-014

*2026 CMS overall star rating of the plan’s contract. 2027 ratings are published by CMS in October. Strong = 4★+, Average = 3.5★, Watch = below 3.5★ or not rated. Source: CMS Landscape CY2027.

Plan quality

CMS star ratings across Monroe County plans

CMS rates each Medicare Advantage contract from 1 to 5 stars on quality and member experience. Across Monroe County’s 2027 plans, the average 2026 rating is 4.00 stars, and 34 of 52 plans (65%) come from contracts rated 4 stars or higher. No plan in Monroe County carries a 5-star rating.

CMS rating (2026)PlansShare of plans
4.5 stars1835%
4.0 stars1631%
3.5 stars1019%
3.0 stars48%
Not rated / new48%

Health profile

Chronic conditions among Monroe County adults

CDC PLACES model-based estimates for Monroe County, 2023. Conditions like these shape which plan works best — drug coverage, specialist copays and whether a Special Needs Plan fits.

  • High blood pressure32%
  • High cholesterol38%
  • Arthritis27%
  • Obesity40.6%
  • Diabetes12.3%
  • COPD7.1%
  • Coronary heart disease7.4%
  • Cancer (excluding skin)9.9%
  • Stroke2.9%

Source: CDC PLACES county estimates (2023), adults 18+.

Special Needs Plans

24 Special Needs Plans serve Monroe County in 2027

Special Needs Plans are Medicare Advantage plans for people with Medicaid as well as Medicare (D-SNP), certain chronic conditions (C-SNP), or who live in a facility (I-SNP). You must qualify to join. They are kept out of the statistics above. How Special Needs Plans work.

C-SNP

8 C-SNP plans

  • UHC Complete Care Support MI-3 (PPO C-SNP)UnitedHealthcare · $0.00 / mo
  • UHC Complete Care MI-5 (HMO-POS C-SNP)UnitedHealthcare · $0.00 / mo
  • Zing Open Choice Diabetes & Heart MI (PPO C-SNP)Zing Health · $0.00 / mo
  • Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · $0.00 / mo
  • Zing Select Diabetes & Heart MI (HMO C-SNP)Zing Health · $0.00 / mo
  • Zing Select Dialysis MI (HMO C-SNP)Zing Health · $0.00 / mo
  • HumanaChoice - Diabetes and Heart (PPO C-SNP)Humana · $0.00 / mo
  • HAP Medicare Diabetes and Heart (HMO C-SNP)Health Alliance Plan by Henry Ford Health · $0.00 / mo
D-SNP

13 D-SNP plans

  • Humana Dual Select H5216-385 (PPO D-SNP)Humana · $0.00 / mo
  • HumanaChoice SNP-DE H5216-388 (PPO D-SNP)Humana · $0.00 / mo
  • Wellcare Meridian Health Dual Access (HMO-POS D-SNP)Wellcare · $0.00 / mo
  • UHC Dual Complete MI-Q1 (HMO-POS D-SNP)UnitedHealthcare · $0.00 / mo
  • UHC Dual Advantage MI-V1 (HMO-POS D-SNP)UnitedHealthcare · $0.00 / mo
  • UHC Dual Complete MI-S3 (HMO D-SNP)UnitedHealthcare · $0.00 / mo
  • Wellcare Meridian Health Dual Liberty (HMO D-SNP)Wellcare · $0.00 / mo
  • Aetna Medicare Dual Care (HMO D-SNP)Aetna Medicare · $0.00 / mo

+ 5 more — ask Kris for the full list.

I-SNP

3 I-SNP plans

  • Premier Care (HMO-POS I-SNP)Align Senior Care · $0.00 / mo
  • Senior Care (HMO I-SNP)Align Senior Care · $0.00 / mo
  • Longevity Health Plan (HMO I-SNP)Longevity Health Plan · $0.00 / mo

Standalone drug coverage

Part D prescription drug plans in Monroe County for 2027

Standalone Part D plans pair with Original Medicare and Medigap. They are priced statewide, so the same 11 plans are offered in every Michigan county. For 2027 the maximum standard deductible is $700 and out-of-pocket drug costs are capped at $2,400. Not returning for 2027: HealthSpring Assurance Rx (PDP), HealthSpring Extra Rx (PDP).

PlanMonthly premiumDeductibleCMS plan ID
Wellcare Value Script (PDP)Wellcare$5.30$700S4802-148
Humana Basic Rx Plan (PDP)Humana$6.30$700S5884-136
Wellcare Classic (PDP)Wellcare$7.30$700S4802-084
HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX$9.30$700S5715-034
Humana Value Rx Plan (PDP)Humana$17.20$687S5884-192
Prescription Blue Select (PDP)Blue Cross Blue Shield of Michigan$49.80$700S5584-001
AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare$58.40$700S5921-358
Prescription Blue Premium (PDP)Blue Cross Blue Shield of Michigan$80.30$125S5584-002
SilverScript Choice (PDP)Aetna Medicare$100.50$700S5601-026
Humana Premier Rx Plan (PDP)Humana$104.30$350S5884-159
AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare$136.70$300S5921-394

Source: CMS Landscape CY2027, Michigan PDP region. Premiums before any Extra Help. Send Kris your drug list to compare total yearly cost.

How and when to enroll

Enrolling in a Medicare plan in Monroe County

  • Initial Enrollment Period: seven months around your 65th birthday. Find your dates.
  • Annual Enrollment Period: October 15 – December 7, 2026, for coverage starting January 1, 2027.
  • Medicare Advantage Open Enrollment: January 1 – March 31, 2027, one switch for people already in an MA plan.
  • Special Enrollment Periods: moving, losing employer coverage, Medicaid eligibility, or a plan that isn’t renewing.

To join a Medicare Advantage plan you must live in Monroe County (or the plan’s service area) and be enrolled in Medicare Part A and Part B. You can enroll with a licensed agent like Kris, directly with the plan, or at Medicare.gov.

Communities in Monroe County

  • Monroe
  • Bedford Township
  • Temperance
  • Lambertville
  • Dundee
  • Erie
  • Carleton
  • Ida

Care close to home

Hospitals Monroe County residents use

  • ProMedica Monroe Regional Hospital
  • ProMedica Toledo Hospital (across the state line)

Network participation differs by plan and changes yearly — Kris confirms your hospitals and doctors before you enroll.

Monroe County at a glance

Population
154,823
Median household income
$72,573
County seat
Monroe
Uninsured rate
3.6%

Source: U.S. Census Bureau ACS 5-year estimates (2022).

How Kris helps

A county list can’t tell you which plan fits your life

Monroe County sits right across the Ohio line, and many residents of Bedford Township, Temperance and Lambertville see doctors in Toledo. Michigan plans are filed separately from Ohio plans, so a Monroe County resident needs a plan whose network reaches into Ohio if their doctors are there. Kris is licensed in Michigan.

  1. Your doctors & drugs

    Kris checks every plan above against your doctors, hospitals and prescriptions.

  2. Your 2027 notice

    She reviews your Annual Notice of Change and flags anything that got worse.

  3. Side by side

    Plans from the carriers she represents, compared in plain English.

  4. Year-round help

    Enrollment, claims questions and next year’s review — same agent.

FAQ

Monroe County Medicare questions

How many Medicare Advantage plans are available in Monroe County for 2027?

CMS data lists 52 Medicare Advantage plans (not counting Special Needs Plans) in Monroe County, Michigan for 2027, offered by 10 companies. That compares with 53 in 2026. Another 24 Special Needs Plans are available to people who qualify.

Are there $0 premium Medicare Advantage plans in Monroe County?

Yes. 35 of the 52 plans in Monroe County have a $0 Part C premium for 2027. You still pay your Part B premium, and a $0 premium plan can have higher copays or a higher out-of-pocket maximum, so compare total costs, not just the premium.

Which insurance companies are leaving Monroe County for 2027?

Based on the CMS 2027 landscape and plan crosswalk, Paramount Elite Medicare Plans has no Medicare Advantage plans in Monroe County for 2027. Members of plans that are not renewing get a letter and a Special Enrollment Period. Kris can help you choose a replacement.

What is the average out-of-pocket maximum in Monroe County?

The average in-network maximum out-of-pocket (MOOP) limit across Monroe County’s 2027 Medicare Advantage plans is $6,413, ranging from $4,000 to $9,850. The MOOP caps what you pay for covered medical care in a year; it does not include drug costs or premiums.

How much is the average Medicare Advantage premium in Monroe County?

The average Part C premium is $27.94 a month for 2027. Including drug coverage, the average consolidated Part C and D premium is $46.11. Both are on top of the Part B premium most people pay.

How common are chronic conditions in Monroe County?

CDC PLACES estimates for 2023 show 32% of adults in Monroe County have high blood pressure, 38% of adults in Monroe County have high cholesterol, 27% of adults in Monroe County have arthritis. If you manage a chronic condition, compare drug coverage and specialist copays, and ask whether you qualify for a Chronic Condition Special Needs Plan.

When can I change my Medicare plan in Monroe County?

The Annual Enrollment Period runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you are in a Medicare Advantage plan you can also switch once between January 1 and March 31. If your plan is not renewing, you get a Special Enrollment Period through the end of February.

Can I meet with a Medicare agent about Monroe County plans in person?

Yes. Kris Kryder meets clients at the Kryder Cares office at 842 W South Boundary St in Perrysburg, about 35 minutes to the Perrysburg office. Phone and video appointments are available too, at no cost and no obligation. Call (419) 277-8097.

Sources & methodology

Where every number on this page comes from

Methodology: plan counts and averages cover Monroe County’s non-Special-Needs Medicare Advantage and MA-PD plans in the CMS CY2027 landscape; Special Needs Plans are reported separately. “$0 premium” and “average premium” use the Part C premium; the Part C + D figure is the CMS consolidated premium. Star ratings are each contract’s 2026 CMS overall rating, because 2027 ratings are not yet published. 2026→2027 changes come from the CMS landscapes and plan crosswalk. Data retrieved through the Ambrose Brain data service. Per-plan county enrollment is not published here.

We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 119 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at www.medicare.gov.

Call Kris