Rooted in northwest Ohio, serving the whole state
Kris Kryder’s clients are located all across northwest Ohio, and the agency’s home is a Perrysburg office on W South Boundary St. Each community has its own hospitals, networks and plan options, so each of the communities below has its own page. Start with the Perrysburg page if you would like to visit the office.
If you live elsewhere in Ohio, from Columbus to Cincinnati to Cleveland, Kris can still help by phone or video. Plan choices vary by county, so she looks up the options available at your address. You get the same careful review a local client would receive. Just call to set up a time.
- Perrysburg — home office, Wood County
- Toledo — Lucas County, about 15 minutes away
- Maumee — just across the river
- Sylvania — near the Michigan line
- Bowling Green — Wood County seat
- Findlay — Hancock County, up I-75
Medicare in Ohio
Ohio residents can choose Original Medicare, often with a Medicare Supplement and a Part D plan, or a Medicare Advantage plan. Medigap Plans G and N are the most common choices for people new to Medicare since 2020. Medicare Advantage plans vary widely by county, including their networks, drug lists and extra benefits.
The Annual Enrollment Period for 2027 coverage runs October 15 to December 7, 2026. For 2027, the Part D base beneficiary premium is $41.33, the maximum deductible is $700, and the out-of-pocket cap is $2,400. The 2027 Part B premium had not yet been announced as of October 2026. Kris will share it once it is published.
| Period | Dates |
|---|---|
| Medicare Annual Enrollment | Oct 15 – Dec 7, 2026 (coverage Jan 1, 2027) |
| Medicare Advantage Open Enrollment | Jan 1 – Mar 31, 2027 |
| ACA Open Enrollment | Nov 1, 2026 – Jan 15, 2027 |
| Enroll for Jan 1 ACA coverage by | Dec 15, 2026 |
Why health systems matter when you choose a plan
Ohio has several large health systems, and in northwest Ohio many people see doctors at both ProMedica and Mercy Health facilities, along with The University of Toledo Medical Center and community hospitals like Wood County Hospital and Blanchard Valley Hospital. Elsewhere in the state, other systems play the same role.
If your doctors are split between systems, an HMO may not cover all of them. Always check whether your doctors are in network before you enroll in a Medicare Advantage or Marketplace plan. Kris checks each doctor and hospital with you so there are fewer surprises. Networks can change from year to year.
Ohio Marketplace, life and long-term care planning
Ohio uses HealthCare.gov. For 2027, the enhanced premium tax credits are gone, and credits are generally available for household incomes between about 100% and 400% of the federal poverty level. Kris can compare Marketplace plans and review your renewal so you do not simply auto-renew into a higher cost. She is not a tax adviser.
Kris also helps Ohioans with term, whole and universal life, final expense, fixed and fixed-indexed annuities, and long-term care coverage. Medicare does not cover long-term custodial care. Ohio participates in the Long-Term Care Partnership Program, which Kris can explain when you meet. She can explain how each option works, what it costs and how it may fit with your savings and family goals.
Employee benefits for Ohio employers
Ohio small businesses, from family farms to manufacturing shops and medical offices, often want to offer benefits without a large HR team. Kris works with employers on group health, dental, vision, life and disability coverage and explains each option to employees. Even a small team may have more options than you expect, and Kris can review your current plan at renewal.
She also helps workers approaching 65 understand how group coverage works with Medicare. With 20 or more employees, the employer plan is usually primary and Part B can often be delayed without penalty. Learn more on the employee benefits page. Leaving employer coverage starts an eight-month Special Enrollment Period for Part B, and missing it may lead to a lifelong penalty.
How Kris works with clients in Ohio
In northwest Ohio, you can meet Kris at the Perrysburg office Monday through Friday, 9:00 AM to 5:00 PM. Anywhere in Ohio, phone and video meetings are available. Ask whether a home visit is possible. Consultations are always no-cost and no-obligation. Bring your Medicare card, a medication list and the names of your doctors so she can check each one.
After you enroll, Kris remains your contact for questions and reviews your coverage each fall. Kryder Cares does not offer every plan available in your area; it currently represents 14 organizations which offer 119 products in your area. Request a quote to get started. Clients often describe her as kind and helpful.
Helpful resources for Ohio residents
Area Office on Aging of Northwestern Ohio
Toledo-based agency connecting older adults in northwest Ohio with services.
Medicare
Official Medicare information and plan finder (1-800-MEDICARE).
1-800-633-4227
Social Security
Enroll in Medicare Parts A and B and manage benefits.
1-800-772-1213
HealthCare.gov
The Marketplace Ohio uses for individual and family health plans.
1-800-318-2596
Ohio Department of Medicaid
Ohio Medicaid and Medicare Savings Programs, with applications also taken at county Job and Family Services offices.
1-800-324-8680
Communities Kris serves in Ohio
- Perrysburg
- Toledo
- Maumee
- Sylvania
- Bowling Green
- Findlay
- Rossford
- Oregon
- Waterville
- Fremont
Visit the Perrysburg office
842 W South Boundary St, Perrysburg, OH 43551 · Monday–Friday, 9:00 AM – 5:00 PM. Call (419) 277-8097 to set a time.
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.