Medicare Advantage
Aetna's Medicare Advantage plans in Toledo for 2027: the seven on the shelf
TOLEDO, Ohio — As the Annual Enrollment Period for 2027 coverage runs from October 15 through December 7, 2026, Aetna's Medicare Advantage lineup in Lucas County is shifting slightly. The insurer, which CMS lists as Aetna (CVS Health), will offer seven Medicare Advantage plans here next year, down from ten this year, according to the CMS Medicare Advantage Landscape Source Files for 2026 and 2027.
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Key takeaways
- Aetna will offer 7 Medicare Advantage plans in Lucas County for 2027, with 3 plans from its 2026 lineup not returning and 0 new plans.
- The 2027 mix includes 3 HMO, 1 HMO-POS and 3 PPO plans; 3 of them are Special Needs Plans and 6 include drug coverage.
- Anyone who does nothing keeps their current plan if it is offered again next year; the Annual Notice of Change (ANOC) spells out what is different.
- The window to make a change for January 1, 2027 coverage is October 15 – December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Lucas County (2026) | 99 | CMS |
| Medicare Advantage plans offered in Lucas County (2027) | 87 | CMS |
| Plans not returning for 2027 / new for 2027 | 31 / 19 | CMS |
| Organizations offering Medicare Advantage in Lucas County (2026) | 16 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Lucas County | 58% | CMS |
| Residents age 65 and older, Lucas County | 75,209 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
MyMedicarePlans.org is an independent consumer site and is not affiliated with Aetna or with Medicare. We are publishing a city-by-city look at what each carrier is putting on the shelf for 2027 so readers can see what is changing before they decide whether to keep, switch or do nothing.
How many Aetna Medicare Advantage plans are offered in Toledo for 2027?
Aetna will offer 7 Medicare Advantage plans in Lucas County — the county Toledo sits in — for plan year 2027, according to the CMS Landscape Source File. By type, that breaks down to 3 HMO, 1 HMO-POS and 3 PPO plans. Six of the seven include Part D prescription drug coverage; one does not.
Aetna is one of 14 carriers offering Medicare Advantage plans in Lucas County for 2027. Across all carriers, the county has 87 Medicare Advantage plans on offer next year. The table below lists every Aetna plan available locally for 2027.
Which Aetna plans are Special Needs Plans in Lucas County for 2027?
Three of Aetna's seven 2027 plans in Lucas County are Special Needs Plans (SNPs): two Chronic Condition SNPs (C-SNPs) and one Institutional SNP (I-SNP). Aetna is not offering a Dual Eligible SNP (D-SNP) here for 2027.
SNPs are Medicare Advantage plans built for people with a specific situation: a qualifying chronic condition (C-SNP), living in or needing the level of care provided in a nursing facility (I-SNP), or having both Medicare and Medicaid (D-SNP). You generally need to meet the eligibility rules to join. The Aetna SNPs listed for Lucas County in 2027 are Aetna Medicare Chronic Care (HMO C-SNP), Aetna Medicare Chronic Care Total (HMO C-SNP) and Aetna Medicare Longevity (HMO I-SNP).
What is new or not returning in Aetna's 2027 Toledo lineup?
Aetna is not adding any new Medicare Advantage plans in Lucas County for 2027, and 3 plans from its 2026 lineup are not being offered again next year. That is based on comparing the CMS Landscape Source Files for 2026 and 2027.
If you are enrolled in a plan that is not returning, Aetna is required to send you a non-renewal notice. You will have a Special Enrollment Period to pick a new plan, and you can also use the Annual Enrollment Period that is already underway. If your current plan is returning, read the Annual Notice of Change (ANOC) Aetna mailed in September — it lists any changes to the premium, deductibles, copays, drug list and provider network for 2027.
How do I check an Aetna plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov. Enter your ZIP code, add the prescriptions you take with the exact doses, and the tool will show every Medicare Advantage plan sold in Lucas County, including Aetna's, along with that plan's drug costs, pharmacy network and star rating. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week.
For doctors and hospitals, do not rely only on an online directory. Call the plan to confirm each provider is in-network for 2027, and call your provider's billing office to confirm they will accept that specific plan next year. Networks can change on January 1 even if the plan name stays the same. The plan's Evidence of Coverage and provider directory are the authoritative documents.
What should Toledo residents know about Medicare costs for 2027?
The Annual Enrollment Period runs October 15 – December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing and your plan is offered again next year, you stay in it automatically with the changes described in your ANOC.
On the Part D side, CMS has confirmed the 2027 numbers: the annual out-of-pocket cap on covered drug costs rises to $2,400 (up from $2,100 in 2026), the maximum Part D deductible a plan can charge rises to $700 (up from $615 in 2026), and the national base beneficiary premium is $41.33 for 2027 (that is a formula input, not what any specific plan charges). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not yet been announced as of September 2026; CMS typically publishes those figures later in the fall.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Lucas County
(MA penetration in Lucas County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Aetna Medicare Advantage plans in Lucas County for 2027
CMS lists 7 Aetna Medicare Advantage plans in Lucas County for 2027, alphabetically by carrier. 13 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 7 plans | |||
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Eagle Giveback (PPO) | PPO | No | Returning |
| Aetna Medicare Longevity (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Aetna Medicare Premier (PPO) | PPO | Yes | Returning |
| Aetna Medicare Signature (PPO) | PPO | Yes | Returning |
| Aetna Medicare Signature Care (HMO-POS) | HMO-POS | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Aetna Medicare Advantage plans in Lucas County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Do I have to switch plans during the Annual Enrollment Period?
What if my Aetna plan is one of the three not returning in Lucas County for 2027?
How do I find out which Aetna plan I am in now?
Where can I get help comparing plans without a sales pitch?
Watch
The Medicare Advantage changes for 2027 in Ohio, in 29 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Toledo
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Medicare Advantage Landscape Source File (plan year 2027): the Aetna plan names, plan types, SNP designations, drug-coverage flags and 2027 plan counts for Lucas County.
- CMS Medicare Advantage Landscape Source File (plan year 2026): the year-over-year comparison showing 3 Aetna plans not returning and 0 new.
- CMS announcements on the 2027 Part D defined standard benefit: the $2,400 out-of-pocket cap, $700 maximum deductible and $41.33 national base beneficiary premium.
- Medicare.gov: the Annual Enrollment Period dates, Plan Finder tool and 1-800-MEDICARE contact information.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Content Integrity Standards
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This page was last updated: October 2026.