Medicare Advantage

Cleveland's 2027 Medicare Advantage plans, sorted by the 16 carriers that sell them

People in Cleveland can choose from 99 Medicare Advantage plans for 2027, against 112 this year. 31 of this year’s plans are gone, 18 are new to Cuyahoga County, and 37 that continue have changed their premium, deductible, plan type or name, 6 of them under a new name.

CLEVELAND — If you live in Cleveland and you're shopping a Medicare Advantage plan for 2027, the list is long, and it helps to see it the way plans are actually sold: one carrier at a time. Cleveland sits in Cuyahoga County, and Cuyahoga is where the Centers for Medicare & Medicaid Services (CMS) sets plan availability. For plan year 2027, CMS's Medicare Advantage Landscape shows 16 carriers offering plans in the county, and the table below lists every plan each one sells, its plan type (HMO, HMO-POS or PPO, including Special Needs versions), and whether it includes Part D drug coverage.

The short answer on that last point: all of them do. Every 2027 Medicare Advantage plan offered in Cuyahoga County is an MA-PD, meaning prescription drug coverage is built in.

How to read the carrier list

The table on this page groups Cleveland's 2027 Medicare Advantage plans alphabetically by carrier, from Aetna (CVS Health) through Zing Health. For each plan you'll see:

• The carrier that offers it
• The plan name, exactly as CMS lists it
• The plan type — HMO, HMO-POS or PPO — and, where it applies, the Special Needs Plan designation (C-SNP for chronic conditions, D-SNP for people with both Medicare and Medicaid, I-SNP for people in institutional settings)
• Whether it includes Part D drug coverage (in Cuyahoga County, all 112 do)

We're not putting premiums, deductibles, copays, star ratings, drug lists or provider networks in this article. Those change, they vary by ZIP code and by person, and CMS's Plan Finder at medicare.gov is the tool built to show them accurately.

Who's selling plans in Cuyahoga County for 2027

Sixteen carriers offer Medicare Advantage plans in the county for 2027. The count of plans each one offers varies widely — some sell one plan, others more than 20:

• Aetna (CVS Health): 10 plans
• Blue Cross Blue Shield (HCSC): 5 plans
• CareSource MyCare Ohio (HMO D-SNP): 1 plan
• Centene (WellCare): 5 plans
• Communicare Advantage: 2 plans
• Devoted Health: 11 plans
• Elevance Health (Anthem): 9 plans
• Humana: 25 plans
• Medical Mutual of Ohio: 8 plans
• Molina Healthcare of Ohio: 1 plan
• Perennial Advantage: 3 plans
• SummaCare Medicare Advantage Plans: 7 plans
• The Health Plan: 5 plans
• UnitedHealthcare: 14 plans
• Valor Health Plan: 1 plan
• Zing Health: 5 plans

A bigger number of plans doesn't mean better plans — it just means more options with different networks or benefit designs. It's the individual plan, not the carrier, that determines what a member pays and where they can go for care.

The three plan types you'll see

Cleveland's 2027 lineup uses three basic structures:

• HMO (48 plans): You generally use the plan's network of doctors and hospitals, and out-of-network care usually isn't covered except in emergencies. Many require a primary care doctor and referrals to specialists.
• HMO-POS (23 plans): A "point-of-service" HMO that allows some out-of-network care under defined rules.
• PPO (41 plans): More flexibility to see out-of-network providers, typically at a higher cost share.

Special Needs Plans are a separate designation layered on top of those types. In Cuyahoga County, 39 of the 112 plans are SNPs — designed for people with certain chronic conditions (C-SNP), those who have both Medicare and Medicaid (D-SNP), or people living in a nursing home or a similar setting (I-SNP). If you don't qualify for one, you can't enroll in it.

What's the same across every plan on the list

Two things are true of all 93 Cleveland-area Medicare Advantage plans for 2027:

1. They include Part D. Every plan on the roster is an MA-PD, which means prescription drug coverage is built in. That's why CMS shows zero stand-alone Part D plans as needed here for Advantage enrollees — a separate PDP would generally cause a Medicare Advantage member to be disenrolled from their MA-PD. 2. They follow the 2027 Part D program rules. The annual out-of-pocket cap on covered Part D drugs is $2,100 in 2026 and $2,400 in 2027, and the Part D deductible can't exceed $700 in 2027. The old coverage gap ("donut hole") is gone as of 2025, replaced by three phases. If you'd rather spread big drug costs across the year, the Medicare Prescription Payment Plan lets you pay in monthly installments to the plan instead of at the pharmacy counter.

Key dates for Cleveland residents

• October 15 – December 7: Medicare's Annual Enrollment Period. This is the window to join, switch or drop a Medicare Advantage or Part D plan for 2027 coverage.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an MA plan on Jan. 1, you get one chance to switch to a different MA plan or return to Original Medicare (with a stand-alone Part D plan, if needed).
• Special Enrollment Periods can apply if you move, lose other coverage or qualify for Extra Help or Medicaid.

How to compare the plans in the table

Once you've narrowed the table to the carriers or plan types that interest you, do the comparison work at the source:

• medicare.gov/plan-compare — Plan Finder shows premiums, deductibles, drug pricing at your pharmacies, star ratings and provider networks for each plan.
• The plan's Summary of Benefits and Evidence of Coverage — the plan's own documents are the authoritative word on what's covered.
• Ohio SHIP (Ohio Senior Health Insurance Information Program) — free, unbiased one-on-one counseling for Ohio Medicare beneficiaries.
• 1-800-MEDICARE — 24/7 help from Medicare itself.