Sylvania sits close to the Michigan line
Sylvania borders Michigan, and many families here have parents, children or second homes just across the state line in Bedford Township or Lambertville. Kris is licensed in both Ohio and Michigan. That means she can help you and a family member in Michigan, even though your plan options are different in each state.
Coverage is based on where you live. Medicare Advantage and Part D plans are sold by service area, and Marketplace plans are sold by state. If you move between Ohio and Michigan, it can open a Special Enrollment Period. Kris can explain your choices on either side of the border.
Medicare networks around Sylvania
ProMedica Flower Hospital is right in Sylvania, and Mercy Health – St. Anne Hospital and ProMedica Toledo Hospital are nearby. Some Sylvania residents also see doctors at Mercy Health – St. Vincent Medical Center. With providers spread across systems, check whether your doctors are in network for any plan you are considering. Networks can also change from year to year.
A Medicare Advantage HMO may work well if all your doctors are in its network. A PPO may offer some out-of-network coverage. Original Medicare with a Medicare Supplement lets you see any provider that accepts Medicare. Kris can walk through all three with your doctor list in hand. Networks can change, so recheck each fall.
| Period | Dates |
|---|---|
| Medicare Annual Enrollment | Oct 15 – Dec 7, 2026 |
| Medicare Advantage Open Enrollment | Jan 1 – Mar 31, 2027 |
| ACA Open Enrollment (HealthCare.gov) | Nov 1, 2026 – Jan 15, 2027 |
Marketplace coverage if you’re not yet 65
If you are under 65 and buying your own coverage, Ohio uses HealthCare.gov. Enroll by December 15, 2026 for coverage that starts January 1, 2027. Open Enrollment ends January 15, 2027, with a February 1 start for later signups. If you lose job-based coverage or move during the year, you may qualify for a Special Enrollment Period instead of waiting.
Since the enhanced tax credits expired after 2025, a plan that fit your budget this year may cost more next year. Kris can compare Marketplace plans, look at Silver plans with cost-sharing reductions if you qualify, and check whether ProMedica or Mercy Health doctors are included. She is not a tax adviser.
Life insurance, annuities and long-term care
Sylvania residents often think about legacy and protecting a spouse. Term life can cover a mortgage or income for a set number of years. Whole life and universal life last longer and offer cash value. Final expense insurance can handle funeral costs with a smaller, simpler policy. Kris can explain each option without pressure.
Kris also discusses fixed and fixed-indexed annuities and long-term care insurance. Medicare does not cover long-term custodial care, so it helps to plan ahead. Ohio participates in the Long-Term Care Partnership Program, which Kris can explain in a meeting. She can compare traditional long-term care insurance, hybrid life and long-term care policies, and short-term care coverage.
Employee benefits for Sylvania businesses
Sylvania has many small businesses, medical practices and professional offices. Kris helps owners compare group health, dental, vision, life and disability coverage. She can help you find a plan that fits your team and budget and explain the choices to employees in plain terms. Even a small team may have more options than you expect.
For employees nearing 65, Kris can explain how your group coverage works with Medicare and when to enroll. Visit employee benefits to learn more about what she offers local employers. With 20 or more employees, the group plan is usually primary, and Part B can often be delayed without penalty. That guidance can help your team avoid costly mistakes.
How Kris works with clients in Sylvania
Because Sylvania is about a 25-minute drive from Perrysburg, you may prefer a video or phone meeting. Kris can share her screen and walk through plan comparisons with you in real time. If you prefer to meet face to face, the office is open weekdays from 9:00 AM to 5:00 PM, and you can ask about a home visit.
Every consultation is no-cost and no-obligation. After you enroll, Kris stays in touch and reviews your coverage before each enrollment season. Request a quote or call (419) 277-8097. She can also help with billing questions, claims and plan letters during the year. Clients often say she explains Medicare in a way that makes sense.
Hospitals and health systems near Sylvania
Before choosing a plan, Kris checks that the hospitals and doctors you use are in network. Hospitals residents commonly use include:
- ProMedica Flower Hospital
- Mercy Health – St. Anne Hospital
- ProMedica Toledo Hospital
- Mercy Health – St. Vincent Medical Center
Network participation differs by plan and changes yearly — always confirm before you enroll.
Helpful resources for Sylvania residents
Michigan Department of Health and Human Services (MDHHS)
Michigan’s Medicaid agency, helpful for family across the state line.
Area Office on Aging of Northwestern Ohio
Toledo-based agency for local senior services.
Medicare
Official Medicare information and plan finder (1-800-MEDICARE).
1-800-633-4227
Social Security
Medicare enrollment and Extra Help
1-800-772-1213
Also serving communities near Sylvania
- Sylvania Township
- Ottawa Hills
- Berkey
- Holland
- Bedford Township, MI
- Temperance, MI
- Lambertville, MI
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.