Lucas County · Ohio

Medicare Advantage Plans in Lucas County, Ohio: Your Complete 2027 Guide

For 2027, Lucas County residents can choose from 58 Medicare Advantage plans, 45 of them with a $0 Part C premium, from 9 insurance companies. 69% of those plans belong to contracts CMS rated 4 stars or higher for 2026, and 29 plans offered in 2026 are not returning.

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

2027 Medicare Advantage by the numbers

Lucas County at a glance

Figures cover the 58 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.

58Medicare Advantage plans (-8 vs 2026)

45with a $0 Part C premium (78%)

$4.03average Part C premium / month

$31.26average Part C + D premium / month

$6,241average in-network MOOP (max $9,850)

$471.72average Part D deductible (drug plans)

69%of plans from 4★+ contracts (2026 ratings)

29Special 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

MediGold, Paramount Elite Medicare Plans, UnitedHealthcare Community Plan are leaving Lucas County in 2027

Comparing the CMS 2026 and 2027 landscapes and the CMS plan crosswalk for Lucas County: 29 plans are not returning (terminated or consolidated into another plan), 17 plans are new or replacement plans, and 59 plans renew. The county goes from 66 to 58 standard Medicare Advantage plans.

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 Lucas County for 2027

Plan (2026)	Carrier	Type	CMS crosswalk status	Members move to
Aetna Medicare Dual Care (HMO D-SNP)H0628-013	Aetna Medicare	HMO D-SNP	Terminated/Non-renewed Contract	—
Aetna Medicare Partial Dual (HMO D-SNP)H0628-041	Aetna Medicare	HMO D-SNP	Terminated/Non-renewed Contract	—
Wellcare Dual Access (HMO-POS D-SNP)H0908-001	Wellcare	HMO-POS D-SNP	Terminated/Non-renewed Contract	—
Wellcare Simple (HMO-POS)H0908-003	Wellcare	HMO-POS	Terminated/Non-renewed Contract	—
Wellcare Assist (HMO-POS)H0908-004	Wellcare	HMO-POS	Terminated/Non-renewed Contract	—
Wellcare Dual Reserve (HMO-POS D-SNP)H0908-006	Wellcare	HMO-POS D-SNP	Terminated/Non-renewed Contract	—
UHC Dual Complete OH-S3 (HMO-POS D-SNP)H1285-002	UnitedHealthcare Community Plan	HMO-POS D-SNP	Terminated/Non-renewed Contract	—
Mount Carmel MediGold Choice (PPO)H1846-006	MediGold	PPO	Terminated/Non-renewed Contract	—
UHC Dual Complete OH-D1 (PPO D-SNP)H2001-058	UnitedHealthcare	PPO D-SNP	Terminated/Non-renewed Contract	—
DEVOTED DUAL PLUS 010 OH (HMO D-SNP)H2697-010	Devoted Health	HMO D-SNP	Terminated/Non-renewed Contract	—
DEVOTED DUAL 011 OH (HMO D-SNP)H2697-011	Devoted Health	HMO D-SNP	Terminated/Non-renewed Contract	—
Paramount Elite Enhanced (HMO-POS)H3653-004	Paramount Elite Medicare Plans	HMO-POS	Renewal Plan with SAR	H6723-007
Paramount Elite Standard (HMO-POS)H3653-015	Paramount Elite Medicare Plans	HMO-POS	Renewal Plan with SAR	H6723-008
Paramount Elite Prime (HMO-POS)H3653-022	Paramount Elite Medicare Plans	HMO-POS	Renewal Plan with SAR	H6723-009
Mount Carmel MediGold No Premium (HMO)H3668-020	MediGold	HMO	Terminated/Non-renewed Contract	—
Mount Carmel MediGold Cash Back (HMO)H3668-030	MediGold	HMO	Renewal Plan with SAR	H3668-030
Aetna Medicare Signature (HMO-POS)H3931-109	Aetna Medicare	HMO-POS	Terminated/Non-renewed Contract	—
Humana USAA Honor Giveback with Rx (PPO)H5216-307	Humana	PPO	Consolidated Renewal Plan	H5216-481
HumanaChoice Giveback H5216-309 (PPO)H5216-309	Humana	PPO	Consolidated Renewal Plan	H5216-481
Paramount Elite Preferred (PPO)H5232-001	Paramount Elite Medicare Plans	PPO	Renewal Plan with SAR	H4497-006
UHC Dual Complete OH-D002 (HMO-POS D-SNP)H5322-028	UnitedHealthcare	HMO-POS D-SNP	Terminated/Non-renewed Contract	—
UHC Dual Complete OH-V002 (HMO-POS D-SNP)H5322-034	UnitedHealthcare	HMO-POS D-SNP	Terminated/Non-renewed Contract	—
Humana Value Plus H5525-041 (PPO)H5525-041	Humana	PPO	Consolidated Renewal Plan	H5525-042
Humana Dual Select H5525-046 (PPO D-SNP)H5525-046	Humana	PPO D-SNP	Terminated/Non-renewed Contract	—
Humana Gold Plus SNP-DE H6622-015 (HMO D-SNP)H6622-015	Humana	HMO D-SNP	Terminated/Non-renewed Contract	—
Humana Gold Plus SNP-DE H6622-087 (HMO D-SNP)H6622-087	Humana	HMO D-SNP	Terminated/Non-renewed Contract	—
MedMutual Advantage Signature (HMO-POS)H6723-006-007	Medical Mutual of Ohio	HMO-POS	Consolidated Renewal Plan	H6723-001
HumanaChoice Giveback H7617-003 (PPO)H7617-003	Humana	PPO	Consolidated Renewal Plan	H7617-144
Humana USAA Honor Giveback with Rx (PPO)H7617-060	Humana	PPO	Consolidated Renewal Plan	H7617-144

New and replacement plans in Lucas County for 2027

Plan (2027)	Carrier	Type	Premium / mo	MOOP
Anthem Dual Advantage Plus (HMO D-SNP)H2628-006	Anthem Blue Cross and Blue Shield	HMO D-SNP	$0.00	$9,850
Anthem I MyCare Ohio Full Dual Advantage (HMO D-SNP)H2628-007	Anthem Blue Cross and Blue Shield	HMO D-SNP	$0.00	$9,850
DEVOTED C-SNP GIVEBACK EXTRAS 024 OH (HMO C-SNP)H2697-024	Devoted Health	HMO C-SNP	$0.00	$6,350
DEVOTED GIVEBACK EXTRAS 026 OH (HMO)H2697-026	Devoted Health	HMO	$0.00	$6,350
Wellcare Buckeye Health Dual Access (HMO D-SNP)H4158-002	Wellcare	HMO D-SNP	$0.00	$9,850
Wellcare Buckeye Health Dual Reserve (HMO D-SNP)H4158-003	Wellcare	HMO D-SNP	$0.00	$6,750
Wellcare Buckeye MyCare Ohio Dual Align (HMO D-SNP)H4158-004	Wellcare	HMO D-SNP	$10.30	$9,850
MedMutual Advantage Elite Preferred (PPO)H4497-006	Medical Mutual of Ohio	PPO	$0.00	$5,300
Zing Elite Essentials Diabetes & Heart OH (HMO C-SNP)H4624-048	Zing Health	HMO C-SNP	$21.10	$5,950
HumanaChoice Giveback H5216-481 (PPO)H5216-481-002	Humana	PPO	$0.00	$9,850
UHC Complete Care Support OH-2A (HMO-POS C-SNP)H5253-264	UnitedHealthcare	HMO-POS C-SNP	$0.00	$9,850
MedMutual Advantage Classic (HMO-POS)H6723-001-001	Medical Mutual of Ohio	HMO-POS	$0.00	$5,500
MedMutual Advantage Elite Enhanced (HMO-POS)H6723-007	Medical Mutual of Ohio	HMO-POS	$75.00	$4,000
MedMutual Advantage Elite Standard (HMO-POS)H6723-008	Medical Mutual of Ohio	HMO-POS	$0.00	$5,200
MedMutual Advantage Elite Prime (HMO-POS)H6723-009	Medical Mutual of Ohio	HMO-POS	$35.00	$4,450
Humana Essentials Plus Giveback (PPO)H7617-144-002	Humana	PPO	$0.00	$9,850
Molina Complete Care Connect for MyCare Ohio (HMO D-SNP)H9955-009	Molina Healthcare of Ohio	HMO D-SNP	$21.10	$9,850

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

SummaCare Medicare Amber (HMO)

SummaCare Medicare Advantage Plans · MOOP $3,450 · Part C premium $0.00 · no drug coverage

$0 with drug coverage

25 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

SummaCare Medicare Amber (HMO)

SummaCare Medicare Advantage Plans · 4.5★ (2026 CMS rating) · MOOP $3,450

HMO plans

HMO Medicare Advantage plans in Lucas County (12)

HMO plans in Lucas 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.

12 plans
9 at $0 Part C premium
$2.00 average Part C premium
$5,463 average MOOP
1 without drug coverage

Plan	CMS rating*	Part C premium	Part C + D premium	MOOP	Part D deductible	CMS plan ID
SummaCare Medicare Amber (HMO)SummaCare Medicare Advantage Plans	4.5★Strong	$0.00	No drug coverage	$3,450	—	H3660-058
SummaCare Medicare Ruby (HMO)SummaCare Medicare Advantage Plans	4.5★Strong	$0.00	$55.00	$4,200	$200	H3660-044
DEVOTED CORE 022 OH (HMO)Devoted Health	4.0★Strong	$0.00	$0.00	$4,750	$650	H2697-022
DEVOTED CORE 001 OH (HMO)Devoted Health	4.0★Strong	$0.00	$0.00	$4,900	$650	H2697-001
SummaCare Medicare Quartz (HMO)SummaCare Medicare Advantage Plans	4.5★Strong	$0.00	$0.00	$5,200	$410	H3660-057
Zing Elite Select OH (HMO)Zing Health	2.5★Watch	$0.00	$0.00	$5,500	$350	H4624-037
Zing Select Care OH (HMO)Zing Health	2.5★Watch	$0.00	$0.00	$5,500	$450	H4624-038
DEVOTED GIVEBACK EXTRAS 026 OH (HMO)Devoted Health	4.0★Strong	$0.00	$0.00	$6,350	$700	H2697-026
DEVOTED GIVEBACK 003 OH (HMO)Devoted Health	4.0★Strong	$0.00	$0.00	$8,000	$461	H2697-003
Humana Gold Plus H6622-055 (HMO)Humana	3.5★Average	$1.00	$27.00	$6,550	$300	H6622-055
SummaCare Medicare Topaz (HMO)SummaCare Medicare Advantage Plans	4.5★Strong	$2.00	$17.00	$4,650	$365	H3660-050
DEVOTED PREMIUM 002 OH (HMO)Devoted Health	4.0★Strong	$21.00	$31.00	$6,500	$650	H2697-002

*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 Lucas County (17)

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

17 plans
15 at $0 Part C premium
$3.82 average Part C premium
$5,688 average MOOP
1 without drug coverage

Plan	CMS rating*	Part C premium	Part C + D premium	MOOP	Part D deductible	CMS plan ID
SummaCare Medicare Sapphire (HMO-POS)SummaCare Medicare Advantage Plans	4.5★Strong	$0.00	$85.00	$3,800	$100	H3660-029
AARP Medicare Advantage from UHC OH-0001 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	$85.00	$4,200	$505	H5253-051
MedMutual Advantage Elite Prime (HMO-POS)Medical Mutual of Ohio	4.0★Strong	$0.00	$35.00	$4,450	$250	H6723-009
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	$42.00	$4,450	$685	H5253-124
Perennial Advantage Freedom (HMO-POS)Perennial Advantage	Not ratedNot rated	$0.00	$0.00	$4,900	$350	H8797-003
MedMutual Advantage Elite Standard (HMO-POS)Medical Mutual of Ohio	4.0★Strong	$0.00	$0.00	$5,200	$380	H6723-008
Aetna Medicare Signature Care (HMO-POS)Aetna Medicare	4.0★Strong	$0.00	$0.00	$5,500	$500	H0628-001
Humana Gold Plus H6622-022 (HMO-POS)Humana	3.5★Average	$0.00	$0.00	$5,500	$500	H6622-022
MedMutual Advantage Classic (HMO-POS)Medical Mutual of Ohio	4.0★Strong	$0.00	$0.00	$5,500	$315	H6723-001
AARP Medicare Advantage Essentials from UHC OH-5 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	$0.00	$5,900	$685	H5253-144
Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield	4.0★Strong	$0.00	$0.00	$6,500	$425	H3655-045
AARP Medicare Advantage Extras from UHC OH-9 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	$0.00	$7,150	$685	H5253-130
Anthem Extra Help (HMO-POS)Anthem Blue Cross and Blue Shield	4.0★Strong	$0.00	$0.00	$7,350	$105	H3655-041
AARP Medicare Advantage Giveback from UHC OH-17 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	$0.00	$8,500	$685	H5253-135
AARP Medicare Advantage Patriot No Rx OH-MA2 (HMO-POS)UnitedHealthcare	4.0★Strong	$0.00	No drug coverage	$8,900	—	H5253-244
AARP Medicare Advantage Extras from UHC OH-8 (HMO-POS)UnitedHealthcare	4.0★Strong	$7.00	$56.00	$4,900	$685	H5253-126
MedMutual Advantage Elite Enhanced (HMO-POS)Medical Mutual of Ohio	4.0★Strong	$58.00	$75.00	$4,000	$55	H6723-007

PPO plans

PPO Medicare Advantage plans in Lucas County (25)

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

25 plans
18 at $0 Part C premium
$5.58 average Part C premium
$6,962 average MOOP
7 without drug coverage

Plan	CMS rating*	Part C premium	Part C + D premium	MOOP	Part D deductible	CMS plan ID
Aetna Medicare Premier (PPO)Aetna Medicare	4.5★Strong	$0.00	$105.00	$4,900	$500	H5521-020
DEVOTED CHOICE 001 OH (PPO)Devoted Health	4.0★Strong	$0.00	$0.00	$5,300	$650	H2526-001
DEVOTED CHOICE 003 OH (PPO)Devoted Health	4.0★Strong	$0.00	$0.00	$5,300	$650	H2526-003
MedMutual Advantage Elite Preferred (PPO)Medical Mutual of Ohio	4.5★Strong	$0.00	$0.00	$5,300	$300	H4497-006
Aetna Medicare Signature (PPO)Aetna Medicare	4.5★Strong	$0.00	$0.00	$5,900	$500	H5521-088
Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield	4.0★Strong	$0.00	No drug coverage	$5,900	—	H4036-022
HumanaChoice H5216-285 (PPO)Humana	3.5★Average	$0.00	$0.00	$6,750	$700	H5216-285
HumanaChoice H7617-004 (PPO)Humana	4.5★Strong	$0.00	$0.00	$6,750	$700	H7617-004
Aetna Medicare Eagle Giveback (PPO)Aetna Medicare	4.5★Strong	$0.00	No drug coverage	$6,900	—	H5521-487
Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield	4.0★Strong	$0.00	$59.00	$7,150	$495	H4036-025
Humana USAA Honor Giveback (PPO)Humana	4.5★Strong	$0.00	No drug coverage	$7,900	—	H7617-073
Humana USAA Honor Giveback (PPO)Humana	3.5★Average	$0.00	No drug coverage	$7,900	—	H5216-441
Humana USAA Honor Giveback (PPO)Humana	3.5★Average	$0.00	No drug coverage	$7,900	—	H5216-218
Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield	4.0★Strong	$0.00	$24.00	$8,500	$595	H4036-026
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO)UnitedHealthcare	3.5★Average	$0.00	No drug coverage	$8,900	—	H8768-021
DEVOTED CHOICE MA ONLY 002 OH (PPO)Devoted Health	4.0★Strong	$0.00	No drug coverage	$9,250	—	H2526-002
HumanaChoice Giveback H5216-481 (PPO)Humana	3.5★Average	$0.00	$0.00	$9,850	$700	H5216-481
Humana Essentials Plus Giveback (PPO)Humana	4.5★Strong	$0.00	$0.00	$9,850	$700	H7617-144
HumanaChoice H5525-030 (PPO)Humana	3.5★Average	$2.00	$86.00	$4,450	$450	H5525-030
AARP Medicare Advantage from UHC OH-0016 (PPO)UnitedHealthcare	3.5★Average	$2.00	$47.00	$7,150	$685	H8768-063
HumanaChoice H5216-023 (PPO)Humana	3.5★Average	$13.00	$44.00	$6,000	$450	H5216-023
MedMutual Advantage Select (PPO)Medical Mutual of Ohio	4.5★Strong	$14.00	$58.00	$6,900	$95	H4497-001
MedMutual Advantage Preferred (PPO)Medical Mutual of Ohio	4.5★Strong	$17.00	$90.00	$5,900	$55	H4497-002
Humana Full Access (PPO)Humana	3.5★Average	$21.00	$53.00	$9,850	$700	H5525-042
MedMutual Advantage Premium (PPO)Medical Mutual of Ohio	4.5★Strong	$70.50	$168.00	$3,600	$55	H4497-003

Regional PPO plans

Regional PPO Medicare Advantage plans in Lucas County (4)

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.

4 plans
3 at $0 Part C premium
$1.38 average Part C premium
$6,425 average MOOP
2 without drug coverage

Plan	CMS rating*	Part C premium	Part C + D premium	MOOP	Part D deductible	CMS plan ID
HumanaChoice R0110-015 (Regional PPO)Humana	3.5★Average	$0.00	No drug coverage	$5,700	—	R0110-015
Anthem Veteran (Regional PPO)Anthem Blue Cross and Blue Shield	3.5★Average	$0.00	No drug coverage	$6,100	—	R5941-013
HumanaChoice R0110-016 (Regional PPO)Humana	3.5★Average	$0.00	$121.00	$7,150	$700	R0110-016
Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield	3.5★Average	$5.50	$106.00	$6,750	$395	R5941-014

Plan quality

CMS star ratings across Lucas County plans

CMS rates each Medicare Advantage contract from 1 to 5 stars on quality and member experience. Across Lucas County’s 2027 plans, the average 2026 rating is 3.95 stars, and 40 of 58 plans (69%) come from contracts rated 4 stars or higher. No plan in Lucas County carries a 5-star rating.

CMS rating (2026)	Plans	Share of plans
4.5 stars	15	26%
4.0 stars	25	43%
3.5 stars	15	26%
2.5 stars	2	3%
Not rated / new	1	2%

Health profile

Chronic conditions among Lucas County adults

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

High blood pressure37.2%
High cholesterol35.8%
Arthritis30.6%
Obesity36.2%
Diabetes12.2%
COPD7.6%
Coronary heart disease7.5%
Cancer (excluding skin)6.9%
Stroke3.9%

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

Special Needs Plans

29 Special Needs Plans serve Lucas 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.

I-SNP

6 I-SNP plans

Aetna Medicare Longevity (HMO I-SNP)Aetna Medicare · $0.00 / mo
Perennial Advantage Premier (HMO-POS I-SNP)Perennial Advantage · $0.00 / mo
UHC Nursing Home Plan OH-F001 (PPO I-SNP)UnitedHealthcare · $0.00 / mo
Perennial Advantage Strive (HMO I-SNP)Perennial Advantage · $0.00 / mo
Valor Health Plan (HMO I-SNP)Valor Health Plan · $0.00 / mo
CommuniCare Advantage ISNP (HMO I-SNP)Communicare Advantage · $0.00 / mo

C-SNP

12 C-SNP plans

Aetna Medicare Chronic Care Total (HMO C-SNP)Aetna Medicare · $0.00 / mo
Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · $0.00 / mo
DEVOTED C-SNP PLUS 016 OH (HMO C-SNP)Devoted Health · $0.00 / mo
DEVOTED C-SNP ENHANCED 017 OH (HMO C-SNP)Devoted Health · $0.00 / mo
DEVOTED C-SNP GIVEBACK EXTRAS 024 OH (HMO C-SNP)Devoted Health · $0.00 / mo
Zing Elite Diabetes & Heart OH (HMO C-SNP)Zing Health · $0.00 / mo
Zing Select Diabetes & Heart OH (HMO C-SNP)Zing Health · $0.00 / mo
Zing Select Dialysis OH (HMO C-SNP)Zing Health · $0.00 / mo

+ 4 more — ask Kris for the full list.

D-SNP

11 D-SNP plans

Anthem I MyCare Ohio Full Dual Support (HMO D-SNP)Anthem Blue Cross and Blue Shield · $0.00 / mo
Anthem Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield · $0.00 / mo
Anthem Dual Advantage Plus (HMO D-SNP)Anthem Blue Cross and Blue Shield · $0.00 / mo
Anthem I MyCare Ohio Full Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield · $0.00 / mo
Wellcare Buckeye MyCare Ohio Dual Align Unity (HMO D-SNP)Wellcare · $0.00 / mo
Wellcare Buckeye Health Dual Access (HMO D-SNP)Wellcare · $0.00 / mo
Wellcare Buckeye Health Dual Reserve (HMO D-SNP)Wellcare · $0.00 / mo
Wellcare Buckeye MyCare Ohio Dual Align (HMO D-SNP)Wellcare · $0.00 / mo

+ 3 more — ask Kris for the full list.

Standalone drug coverage

Part D prescription drug plans in Lucas County for 2027

Standalone Part D plans pair with Original Medicare and Medigap. They are priced statewide, so the same 9 plans are offered in every Ohio 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).

Plan	Monthly premium	Deductible	CMS plan ID
Wellcare Value Script (PDP)Wellcare	$5.30	$700	S4802-149
Wellcare Classic (PDP)Wellcare	$7.30	$700	S4802-085
Humana Basic Rx Plan (PDP)Humana	$11.30	$700	S5884-137
HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX	$15.70	$700	S5715-035
Humana Value Rx Plan (PDP)Humana	$42.00	$687	S5884-193
SilverScript Choice (PDP)Aetna Medicare	$127.40	$700	S5601-028
AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare	$129.70	$700	S5921-359
Humana Premier Rx Plan (PDP)Humana	$132.30	$350	S5884-160
AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare	$200.40	$300	S5921-395

Source: CMS Landscape CY2027, Ohio 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 Lucas 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 Lucas 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 Lucas County

Toledo
Maumee
Sylvania
Oregon
Holland
Waterville
Whitehouse
Ottawa Hills

Care close to home

Hospitals Lucas County residents use

ProMedica Toledo Hospital
Mercy Health – St. Vincent Medical Center
The University of Toledo Medical Center
ProMedica Flower Hospital (Sylvania)
Mercy Health – St. Anne Hospital
ProMedica Bay Park Hospital (Oregon)

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

Lucas County at a glance

Population: 430,014
Median household income: $57,265
County seat: Toledo
Uninsured rate: 5.9%

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

Lucas County is the region’s largest Medicare market and its hospital hub. Two big systems — ProMedica and Mercy Health — plus UTMC anchor care here, and many plans include one more fully than the other. For Toledo, Maumee and Sylvania residents the network question often matters more than the premium.

Your doctors & drugs
Kris checks every plan above against your doctors, hospitals and prescriptions.
Your 2027 notice
She reviews your Annual Notice of Change and flags anything that got worse.
Side by side
Plans from the carriers she represents, compared in plain English.
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Enrollment, claims questions and next year’s review — same agent.

FAQ

Lucas County Medicare questions

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

CMS data lists 58 Medicare Advantage plans (not counting Special Needs Plans) in Lucas County, Ohio for 2027, offered by 9 companies. That compares with 66 in 2026. Another 29 Special Needs Plans are available to people who qualify.

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

Yes. 45 of the 58 plans in Lucas 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 Lucas County for 2027?

Based on the CMS 2027 landscape and plan crosswalk, MediGold, Paramount Elite Medicare Plans, UnitedHealthcare Community Plan have no Medicare Advantage plans in Lucas 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 Lucas County?

The average in-network maximum out-of-pocket (MOOP) limit across Lucas County’s 2027 Medicare Advantage plans is $6,241, ranging from $3,450 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 Lucas County?

The average Part C premium is $4.03 a month for 2027. Including drug coverage, the average consolidated Part C and D premium is $31.26. Both are on top of the Part B premium most people pay.

How common are chronic conditions in Lucas County?

CDC PLACES estimates for 2023 show 37.2% of adults in Lucas County have high blood pressure, 35.8% of adults in Lucas County have high cholesterol, 30.6% of adults in Lucas 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 Lucas 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 Lucas County plans in person?

Yes. Kris Kryder meets clients at the Kryder Cares office at 842 W South Boundary St in Perrysburg, about 10–25 minutes from most of the county 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

CMS Medicare Advantage/Part D Landscape, Contract Year 2027 (released 2026-09-28) — accessed October 8, 2026
CMS Medicare Advantage/Part D Landscape, Contract Year 2026 — accessed October 8, 2026
CMS Medicare Part C & D Plan Crosswalk, 2026→2027 — accessed October 8, 2026
CMS Part C & D Star Ratings, 2026 — accessed October 8, 2026
CDC PLACES: Local Data for Better Health, county estimates — accessed October 8, 2026
U.S. Census Bureau, American Community Survey 5-year estimates — accessed October 8, 2026
CMS Hospital General Information (Care Compare) — accessed October 8, 2026
CMS Medicare Advantage Ratebook (county benchmarks) — accessed October 8, 2026

Methodology: plan counts and averages cover Lucas 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.

Lucas County at a glance

MediGold, Paramount Elite Medicare Plans, UnitedHealthcare Community Plan are leaving Lucas County in 2027

Plans not returning in Lucas County for 2027

New and replacement plans in Lucas County for 2027

The lowest premium isn’t automatically the right plan

SummaCare Medicare Amber (HMO)

25 plans

SummaCare Medicare Amber (HMO)

HMO Medicare Advantage plans in Lucas County (12)

HMO-POS Medicare Advantage plans in Lucas County (17)

PPO Medicare Advantage plans in Lucas County (25)

Regional PPO Medicare Advantage plans in Lucas County (4)

CMS star ratings across Lucas County plans

Chronic conditions among Lucas County adults

29 Special Needs Plans serve Lucas County in 2027

6 I-SNP plans

12 C-SNP plans

11 D-SNP plans

Part D prescription drug plans in Lucas County for 2027

Enrolling in a Medicare plan in Lucas County

Communities in Lucas County

Hospitals Lucas County residents use

Lucas County at a glance

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

Your doctors & drugs

Your 2027 notice

Side by side

Year-round help

Lucas County Medicare questions

Where every number on this page comes from