Where to start
This page lists every Medicare plan sold in Lucas County for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (47 plans)
- Part D drug plans (9 plans)
- Special needs plans (29 plans)
- Medicare Advantage without drug coverage (11 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Lucas County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Lucas County
At a glance
- 58 Medicare Advantage plans are open to anyone with Medicare here; 36 charge no monthly premium.
- 14 give back part of your Part B premium, up to $200 a month.
- The lowest yearly limit on what you pay for in-network care is $3,450.
- 9 Part D drug plans, from $5.30 to $200.40 a month.
Medicare Advantage plans with drug coverage 47
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED GIVEBACK 003 OH (HMO) Devoted Health · H2697-003-000 | HMO | $0/moGives back $184.70/mo of your Part B premium | $8,000 | 4.0★ |
| Humana Essentials Plus Giveback (PPO) Humana · H7617-144-002 | PPO | $0/moGives back $124/mo of your Part B premium | $9,850 | 4.5★ |
| HumanaChoice Giveback H5216-481 (PPO) Humana · H5216-481-002 | PPO | $0/moGives back $123/mo of your Part B premium | $9,850 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 026 OH (HMO) Devoted Health · H2697-026-000 | HMO | $0/moGives back $90/mo of your Part B premium | $6,350 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC OH-17 (HMO-POS) UnitedHealthcare · H5253-135-000 | HMO-POS | $0/moGives back $58/mo of your Part B premium | $8,500 | 4.0★ |
| Aetna Medicare Signature Care (HMO-POS) Aetna Medicare · H0628-001-000 | HMO-POS | $0/mo | $5,500 | 3.5★ |
| DEVOTED CHOICE 001 OH (PPO) Devoted Health · H2526-001-000 | PPO | $0/mo | $5,300 | 4.5★ |
| DEVOTED CHOICE 003 OH (PPO) Devoted Health · H2526-003-000 | PPO | $0/mo | $5,300 | 4.5★ |
| DEVOTED CORE 001 OH (HMO) Devoted Health · H2697-001-000 | HMO | $0/mo | $4,900 | 4.0★ |
| DEVOTED CORE 022 OH (HMO) Devoted Health · H2697-022-000 | HMO | $0/mo | $4,750 | 4.0★ |
| Anthem Extra Help (HMO-POS) Anthem Blue Cross and Blue Shield · H3655-041-000 | HMO-POS | $0/mo | $7,350 | 3.5★ |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross and Blue Shield · H3655-045-001 | HMO-POS | $0/mo | $6,500 | 3.5★ |
| SummaCare Medicare Quartz (HMO) SummaCare Medicare Advantage Plans · H3660-057-000 | HMO | $0/mo | $5,200 | 4.0★ |
| MedMutual Advantage Elite Preferred (PPO) Medical Mutual of Ohio · H4497-006-000 | PPO | $0/mo | $5,300 | 4.5★ |
| Zing Elite Select OH (HMO) Zing Health · H4624-037-000 | HMO | $0/mo | $5,500 | 3.5★ |
| Zing Select Care OH (HMO) Zing Health · H4624-038-000 | HMO | $0/mo | $5,500 | 3.5★ |
| HumanaChoice H5216-285 (PPO) Humana · H5216-285-000 | PPO | $0/mo | $6,750 | 4.0★ |
| AARP Medicare Advantage Extras from UHC OH-9 (HMO-POS) UnitedHealthcare · H5253-130-000 | HMO-POS | $0/mo | $7,150 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC OH-5 (HMO-POS) UnitedHealthcare · H5253-144-002 | HMO-POS | $0/mo | $5,900 | 4.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-088-000 | PPO | $0/mo | $5,900 | 4.0★ |
| Humana Gold Plus H6622-022 (HMO-POS) Humana · H6622-022-000 | HMO-POS | $0/mo | $5,500 | 4.0★ |
| MedMutual Advantage Classic (HMO-POS) Medical Mutual of Ohio · H6723-001-001 | HMO-POS | $0/mo | $5,500 | 3.5★ |
| MedMutual Advantage Elite Standard (HMO-POS) Medical Mutual of Ohio · H6723-008-000 | HMO-POS | $0/mo | $5,200 | 3.5★ |
| HumanaChoice H7617-004 (PPO) Humana · H7617-004-000 | PPO | $0/mo | $6,750 | 4.5★ |
| Perennial Advantage Freedom (HMO-POS) Perennial Advantage · H8797-003-000 | HMO-POS | $0/mo | $4,900 | Not yet rated |
| SummaCare Medicare Topaz (HMO) SummaCare Medicare Advantage Plans · H3660-050-000 | HMO | $17/mo | $4,650 | 4.0★ |
| Anthem Medicare Advantage (PPO) Anthem Blue Cross and Blue Shield · H4036-026-000 | PPO | $24/mo | $8,500 | 4.5★ |
| Humana Gold Plus H6622-055 (HMO) Humana · H6622-055-000 | HMO | $27/mo | $6,550 | 4.0★ |
| DEVOTED PREMIUM 002 OH (HMO) Devoted Health · H2697-002-000 | HMO | $31/mo | $6,500 | 4.0★ |
| MedMutual Advantage Elite Prime (HMO-POS) Medical Mutual of Ohio · H6723-009-000 | HMO-POS | $35/mo | $4,450 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) UnitedHealthcare · H5253-124-002 | HMO-POS | $42/mo | $4,450 | 4.0★ |
| HumanaChoice H5216-023 (PPO) Humana · H5216-023-000 | PPO | $44/mo | $6,000 | 4.0★ |
| AARP Medicare Advantage from UHC OH-0016 (PPO) UnitedHealthcare · H8768-063-000 | PPO | $47/mo | $7,150 | 4.0★ |
| Humana Full Access (PPO) Humana · H5525-042-000 | PPO | $53/mo | $9,850 | 4.0★ |
| SummaCare Medicare Ruby (HMO) SummaCare Medicare Advantage Plans · H3660-044-000 | HMO | $55/mo | $4,200 | 4.0★ |
| AARP Medicare Advantage Extras from UHC OH-8 (HMO-POS) UnitedHealthcare · H5253-126-002 | HMO-POS | $56/mo | $4,900 | 4.0★ |
| MedMutual Advantage Select (PPO) Medical Mutual of Ohio · H4497-001-003 | PPO | $58/mo | $6,900 | 4.5★ |
| Anthem Medicare Advantage 3 (PPO) Anthem Blue Cross and Blue Shield · H4036-025-000 | PPO | $59/mo | $7,150 | 4.5★ |
| MedMutual Advantage Elite Enhanced (HMO-POS) Medical Mutual of Ohio · H6723-007-000 | HMO-POS | $75/mo | $4,000 | 3.5★ |
| SummaCare Medicare Sapphire (HMO-POS) SummaCare Medicare Advantage Plans · H3660-029-000 | HMO-POS | $85/mo | $3,800 | 4.0★ |
| AARP Medicare Advantage from UHC OH-0001 (HMO-POS) UnitedHealthcare · H5253-051-000 | HMO-POS | $85/mo | $4,200 | 4.0★ |
| HumanaChoice H5525-030 (PPO) Humana · H5525-030-000 | PPO | $86/mo | $4,450 | 4.0★ |
| MedMutual Advantage Preferred (PPO) Medical Mutual of Ohio · H4497-002-003 | PPO | $90/mo | $5,900 | 4.5★ |
| Aetna Medicare Premier (PPO) Aetna Medicare · H5521-020-000 | PPO | $105/mo | $4,900 | 4.0★ |
| Anthem Medicare Advantage (Regional PPO) Anthem Blue Cross and Blue Shield · R5941-014-000 | Regional PPO | $106/mo | $6,750 | 3.5★ |
| HumanaChoice R0110-016 (Regional PPO) Humana · R0110-016-000 | Regional PPO | $121/mo | $7,150 | 3.5★ |
| MedMutual Advantage Premium (PPO) Medical Mutual of Ohio · H4497-003-003 | PPO | $168/mo | $3,600 | 4.5★ |
Part D drug plans 9
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Ohio.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-149-000 | $5.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-085-000 | $7.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-137-000 | $11.30/mo | $700 | 4.5★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-035-000 | $15.70/mo | $700 | 2.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-193-000 | $42/mo | $687 | 4.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-028-000 | $127.40/mo | $700 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-359-000 | $129.70/mo | $700 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-160-000 | $132.30/mo | $350 | 4.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-395-000 | $200.40/mo | $300 | 3★ |
Special needs plans 29
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| DEVOTED C-SNP GIVEBACK EXTRAS 024 OH (HMO C-SNP) Devoted Health · H2697-024-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $110/mo of your Part B premium | $6,350 | 4.0★ |
| Aetna Medicare Longevity (HMO I-SNP) Aetna Medicare · H0628-018-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $9,850 | 3.5★ |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare · H0628-034-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 3.5★ |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · H0628-039-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $7,150 | 3.5★ |
| Anthem I MyCare Ohio Full Dual Support (HMO D-SNP) Anthem Blue Cross and Blue Shield · H2628-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Anthem Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · H2628-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $7,100 | Not yet rated |
| Anthem Dual Advantage Plus (HMO D-SNP) Anthem Blue Cross and Blue Shield · H2628-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Anthem I MyCare Ohio Full Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · H2628-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| DEVOTED C-SNP PLUS 016 OH (HMO C-SNP) Devoted Health · H2697-016-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.0★ |
| DEVOTED C-SNP ENHANCED 017 OH (HMO C-SNP) Devoted Health · H2697-017-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,100 | 4.0★ |
| Wellcare Buckeye MyCare Ohio Dual Align Unity (HMO D-SNP) Wellcare · H4158-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Wellcare Buckeye Health Dual Access (HMO D-SNP) Wellcare · H4158-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Wellcare Buckeye Health Dual Reserve (HMO D-SNP) Wellcare · H4158-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $6,750 | Not yet rated |
| Zing Elite Diabetes & Heart OH (HMO C-SNP) Zing Health · H4624-033-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,750 | 3.5★ |
| Zing Select Diabetes & Heart OH (HMO C-SNP) Zing Health · H4624-034-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,750 | 3.5★ |
| Zing Select Dialysis OH (HMO C-SNP) Zing Health · H4624-036-000 | HMO | Only for people with certain chronic conditionsKidney | $0/mo | $6,900 | 3.5★ |
| UHC Complete Care OH-18 (HMO-POS C-SNP) UnitedHealthcare · H5253-190-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,900 | 4.0★ |
| UHC Complete Care Support OH-2A (HMO-POS C-SNP) UnitedHealthcare · H5253-264-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.0★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H6622-017-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,500 | 4.0★ |
| Perennial Advantage Premier (HMO-POS I-SNP) Perennial Advantage · H8797-004-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $4,600 | Not yet rated |
| Wellcare Buckeye MyCare Ohio Dual Align (HMO D-SNP) Wellcare · H4158-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $10.30/mo | $9,850 | Not yet rated |
| UHC Nursing Home Plan OH-F001 (PPO I-SNP) UnitedHealthcare · H0710-027-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $12.70/mo | $9,850 | 5.0★ |
| Valor Health Plan (HMO I-SNP) Valor Health Plan · H1119-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $21.10/mo | $9,850 | 3.5★ |
| CommuniCare Advantage ISNP (HMO I-SNP) Communicare Advantage · H3727-002-003 | HMO | Only for people who live in a nursing home, or need that level of care at home | $21.10/mo | $9,850 | Not yet rated |
| Zing Elite Essentials Diabetes & Heart OH (HMO C-SNP) Zing Health · H4624-048-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $21.10/mo | $5,950 | 3.5★ |
| CareSource MyCare Ohio (HMO D-SNP) CareSource MyCare Ohio (HMO D-SNP) · H6396-017-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.10/mo | $9,650 | 3.5★ |
| Perennial Advantage Strive (HMO I-SNP) Perennial Advantage · H8797-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $21.10/mo | $9,850 | Not yet rated |
| Molina Complete Care for MyCare Ohio (HMO D-SNP) Molina Healthcare of Ohio · H9955-008-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.10/mo | $9,850 | 3.0★ |
| Molina Complete Care Connect for MyCare Ohio (HMO D-SNP) Molina Healthcare of Ohio · H9955-009-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.10/mo | $9,850 | 3.0★ |
Medicare Advantage plans without drug coverage 11
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx OH-MA2 (HMO-POS) UnitedHealthcare · H5253-244-000 | HMO-POS | $0/moGives back $200/mo of your Part B premium | $8,900 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) UnitedHealthcare · H8768-021-000 | PPO | $0/moGives back $200/mo of your Part B premium | $8,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-441-000 | PPO | $0/moGives back $185/mo of your Part B premium | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-073-000 | PPO | $0/moGives back $185/mo of your Part B premium | $7,900 | 4.5★ |
| DEVOTED CHOICE MA ONLY 002 OH (PPO) Devoted Health · H2526-002-000 | PPO | $0/moGives back $184.70/mo of your Part B premium | $9,250 | 4.5★ |
| Anthem Veteran (PPO) Anthem Blue Cross and Blue Shield · H4036-022-000 | PPO | $0/moGives back $184/mo of your Part B premium | $5,900 | 4.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-218-000 | PPO | $0/moGives back $110/mo of your Part B premium | $7,900 | 4.0★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-487-000 | PPO | $0/moGives back $105/mo of your Part B premium | $6,900 | 4.0★ |
| HumanaChoice R0110-015 (Regional PPO) Humana · R0110-015-000 | Regional PPO | $0/moGives back $46/mo of your Part B premium | $5,700 | 3.5★ |
| SummaCare Medicare Amber (HMO) SummaCare Medicare Advantage Plans · H3660-058-000 | HMO | $0/mo | $3,450 | 4.0★ |
| Anthem Veteran (Regional PPO) Anthem Blue Cross and Blue Shield · R5941-013-000 | Regional PPO | $0/mo | $6,100 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $130–$877/mo from 42 companies, at age 65.
- Plan N: $102–$671/mo from 40 companies, at age 65.
Discussion
Questions and experiences from other visitors. Comment guidelines
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