A hometown agency on South Boundary Street
Kris Kryder opened Kryder Cares in 2017, and Perrysburg has been home base ever since. The office sits on W South Boundary St, a few minutes from downtown Perrysburg and an easy trip from Rossford, Northwood and Perrysburg Township. You can come in, sit down, and talk through your questions face to face.
Because Kris lives and works in the area, she knows the questions Perrysburg residents tend to ask. Should you keep the doctors you already see in Toledo? What happens if a prescription changes tiers next year? She takes the time to walk through those details instead of rushing you toward a single plan.
Medicare in Perrysburg: networks, drugs and the fall review
Perrysburg sits between two large health systems. Mercy Health – Perrysburg Hospital is close to home, while many residents also see specialists at ProMedica facilities in Toledo. If you are weighing a Medicare Advantage HMO, it is important to check whether your doctors are in network before you enroll. A PPO or a Medicare Supplement may offer more flexibility, depending on the plan.
The Medicare Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and changes take effect January 1, 2027. Plans can change their drug lists, costs and networks every year, so a quick review is worth the time. Kris can run your prescriptions through each plan, or you can start with the Rx drug lookup on your own.
- Bring your Medicare card and a list of your doctors and pharmacies.
- Note any drugs that changed or were added this year.
- Ask about dental, vision and hearing options if your plan’s coverage is limited.
Individual and family health coverage for 2027
If you are under 65, retired early, self-employed or between jobs, you may be shopping the Marketplace. Ohio uses HealthCare.gov, and Open Enrollment for 2027 runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. If you leave a job midyear, losing that coverage usually opens a Special Enrollment Period, so you do not have to wait for fall.
The enhanced premium tax credits expired at the end of 2025, and insurers proposed higher premiums for 2027. That makes it risky to simply auto-renew. Kris can compare ACA Marketplace plans side by side, explain how your household income may affect a tax credit, and check that your preferred doctors and hospitals are included.
Life insurance and final expense planning
Many Perrysburg families want to make sure a mortgage, a spouse’s income or funeral costs are handled if something happens. Term life can cover a set number of years at a level premium. Whole life lasts for your lifetime and builds guaranteed cash value. Kris explains the difference in plain language so you can choose what fits. There is no single right answer, and the choice often depends on your age, budget and goals.
For people in their 50s, 60s and beyond, final expense insurance is a common option. These are small whole-life policies, typically simplified issue, with face amounts commonly between $5,000 and $25,000. They can help your family pay for a service and settle bills without dipping into savings. Kris can compare policies from several companies.
Employee benefits for Perrysburg businesses
Perrysburg has a busy mix of retailers, restaurants, professional offices and distribution companies along the interstate corridor. If you own one of them, offering benefits can help you hire and keep good people. Kris works with small employers on group health, dental, vision, life and disability coverage. Even a business with only a handful of employees may have options.
She can also help your older employees understand how your group plan works alongside Medicare. With 20 or more employees, the employer plan is usually primary, and a worker can often delay Part B without a penalty. Learn more on the employee benefits page. Getting that timing right can help workers avoid a late enrollment penalty later on.
How Kris works with clients in Perrysburg
For Perrysburg residents, a sit-down meeting at the office is often the easiest place to start. You can also meet by phone or video if that is easier, and home visits may be possible, so just ask. There is never a cost for a consultation, and you are never under pressure to sign up for anything.
After you enroll, Kris stays in touch. She can help with billing questions, a claim that does not look right, or a letter from your plan you do not understand. When the next enrollment season comes around, she reviews your coverage again. You can request a quote or call (419) 277-8097 to get started.
Kryder Cares does not offer every plan available in your area. It currently represents 14 organizations which offer 119 products in your area.
Hospitals and health systems near Perrysburg
Before choosing a plan, Kris checks that the hospitals and doctors you use are in network. Hospitals residents commonly use include:
- Mercy Health – Perrysburg Hospital
- ProMedica Toledo Hospital
- The University of Toledo Medical Center
- Mercy Health – St. Vincent Medical Center
- Wood County Hospital (Bowling Green)
Network participation differs by plan and changes yearly — always confirm before you enroll.
Helpful resources for Perrysburg residents
Area Office on Aging of Northwestern Ohio
Toledo-based agency connecting older adults in the region with local services.
Medicare
Official Medicare plan finder and coverage information (1-800-MEDICARE).
1-800-633-4227
Social Security
Sign up for Medicare Parts A and B and manage Social Security benefits.
1-800-772-1213
Also serving communities near Perrysburg
- Rossford
- Northwood
- Walbridge
- Millbury
- Perrysburg Township
- Haskins
- Luckey
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.