Compare Ohio Medicare Advantage Plans 2027

Wellcare plans in Ohio that are not Special Needs Plans end on December 31, 2026. Other members losing their plans should have gotten a non-renewal letter in early October.

Source: CMS 2027 landscape data reported by Becker’s on October 1, 2026, plus company announcements. Blue Cross Blue Shield of Mississippi, Blue Cross Blue Shield of North Dakota and Wellmark are exiting Medicare Advantage for 2027 as well.

Source for national figures: CMS 2027 landscape data, as reported by Becker’s on October 1, 2026. What is available differs by county.

Record the same figures for your two or three finalists. Whichever company offers it, the plan that covers your drugs and doctors at the lowest realistic yearly cost is usually the one to choose.

Medicare Advantage, or Part C, lets you receive your Medicare benefits from a Medicare-approved private insurer. These plans cover all that Original Medicare Part A and Part B cover, apart from hospice care, which remains with Original Medicare. Part D drug coverage is included in most plans, and many may also offer extras like routine dental, vision and hearing benefits.

The trade-off is that Medicare Advantage plans generally rely on doctor and hospital networks and may call for referrals or prior authorization for certain services. Unlike Original Medicare, every Medicare Advantage plan caps your yearly out-of-pocket costs for covered medical care. Your Part B premium still applies, along with the plan’s own premium if there is one.

For people who want Original Medicare, a Medicare Supplement (Medigap) plan covers some or all of the costs Medicare doesn’t, and you can use any provider in the U.S. that takes Medicare. Since benefits are standardized by plan letter, compare what different insurers charge for the same letter.

Each Medigap plan letter has standardized benefits. Price depends on the insurer, your age, ZIP code and tobacco use.

Staying with Original Medicare in Ohio? Add a standalone Part D plan, and use the 2027 Part D plan finder to compare plans with your exact drugs and pharmacies.

Medicare Supplement plans are designed to fill gaps left by Original Medicare. Here are the costs one can cover:

Most people new to Medicare choose one of these three. Plan G covers every gap except the Part B deductible. Plan N trades a lower premium for copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission, and it does not cover Part B excess charges. High-Deductible Plan G has a $3,050 deductible for 2027, up from $2,950, then covers like Plan G. See Plan G vs Plan N.

Insurer and state determine the method. Before buying, find out how a policy is priced, not only what it costs now.

Each fall, Medicare gives every Medicare Advantage and Part D plan a rating of 1 to 5 stars, looking at factors like preventive care, chronic condition management, member complaints, customer service and accuracy of drug pricing. You can see the ratings in Medicare Plan Finder.

A drug you take might be missing from a plan’s 2027 formulary, or come with a rule such as prior authorization. Options remain:

See steps to appeal a Medicare Part D denial.

Because federal law defines exactly what each plan letter covers, a given letter carries identical benefits from every insurer in your state.

*Only people who became eligible for Medicare before January 1, 2020 can purchase Plans C and F. **Plans K and L carry an annual out-of-pocket limit set by Medicare each year; once you hit that limit, the plan covers 100% of covered services for the remainder of the year. ***Plan N covers all Part B coinsurance, except you may owe copays of up to $20 for certain office visits and up to $50 for ER visits that do not result in an inpatient admission. Plans in Massachusetts, Minnesota and Wisconsin are standardized in a different way.

You also have guaranteed issue rights under federal law in some situations, generally for 63 days after your other coverage ends:

Ohio’s biggest metro areas, Columbus, Cleveland, Cincinnati, Dayton, Toledo and Akron, generally offer the widest Medicare Advantage selection, mixing HMOs and PPOs. Rural counties in northwestern and Appalachian Ohio have fewer plans, and members there are more likely to be left with only a handful of choices after the 2027 cuts.

Near a state line, for example around Cincinnati, confirm that the plans you are weighing cover the hospitals you visit across the border in Indiana or Kentucky.

Ohio residents staying with Original Medicare should compare standalone Part D plans using their exact pharmacy and drugs. Every plan for 2027 has a maximum Part D deductible of $700 and an out-of-pocket cap of $2,400, yet drug costs and premiums differ widely from plan to plan.

Turning 65 in Ohio in 2027? Enroll in Part A and Part B during your Initial Enrollment Period, then decide between a Medicare Advantage plan and Original Medicare paired with Medigap and Part D plans. The six-month Medigap Open Enrollment Period is your one window when insurers cannot deny you or charge more based on your health.

A non-renewal notice should have reached you in early October if your plan will not be available in your county for 2027. You are not cut off immediately: coverage runs through December 31, 2026, giving you time to make a choice.

Special Needs Plans (SNPs) are Medicare Advantage plans designed for particular groups. Their benefits, networks and drug lists are shaped around their members, and many provide care coordinators. Even as large insurers cut PPOs for 2027, Special Needs Plans are among the few places they are adding plans.

Turning 65 in 2027? Your Initial Enrollment Period runs for seven months: the three months leading up to your birthday month, the birthday month itself and the three months that follow. Enrolling in the first three months starts your coverage on the first day of your birthday month.

Two programs can greatly lower Medicare costs for people with limited income and savings:

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

For free, unbiased Medicare counseling in Ohio, contact OSHIIP (Ohio Senior Health Insurance Information Program), the state’s State Health Insurance Assistance Program. You can also reach 1-800-MEDICARE at any hour or compare plans with a licensed agent for free.

Gather your Medicare card, your drug list with doses, your doctors and the pharmacies you prefer before you call. Having them on hand keeps the conversation short.