Medicare Advantage

If your Toledo Medicare Advantage plan is one of the 31 ending in 2027, here's your playbook

People in Toledo can choose from 87 Medicare Advantage plans for 2027, against 99 this year. 31 of this year’s plans are gone, 19 are new to Lucas County, and 28 that continue have changed their premium, deductible, plan type or name, 4 of them under a new name.

Fall 2026 — If you have a Medicare Advantage plan in the Toledo area, this is the season to open the envelope. Some plans sold in Lucas County in 2026 will not be back for 2027, and the people enrolled in those plans are getting a non-renewal letter in the mail right now. According to the CMS Medicare Advantage Landscape Source Files, 31 plans offered in Lucas County this year are not in the county's 2027 lineup. If one of them is yours, you have more time than usual to pick a new plan — but you do need to pick one.

Which Toledo Medicare Advantage plans are not returning for 2027?

Toledo is in Lucas County, where 31 Medicare Advantage plans offered in 2026 are not listed in CMS's 2027 file for the county. The non-returning plans come from eight carriers. In alphabetical order by carrier, they are:

• Aetna (CVS Health): Aetna Medicare Dual Care (HMO D-SNP); Aetna Medicare Partial Dual (HMO D-SNP); Aetna Medicare Signature (HMO-POS)
• Centene (WellCare): Wellcare Assist (HMO-POS); Wellcare Dual Access (HMO-POS D-SNP); Wellcare Dual Reserve (HMO-POS D-SNP); Wellcare Simple (HMO-POS)
• Devoted Health: DEVOTED DUAL 011 OH (HMO D-SNP); DEVOTED DUAL PLUS 010 OH (HMO D-SNP)
• Humana: Humana Dual Select H5525-046 (PPO D-SNP); Humana Gold Plus SNP-DE H6622-015 (HMO D-SNP); Humana Gold Plus SNP-DE H6622-087 (HMO D-SNP); Humana USAA Honor Giveback with Rx (PPO); Humana USAA Honor Giveback with Rx (PPO); Humana Value Plus H5525-041 (PPO); HumanaChoice Giveback H5216-309 (PPO); HumanaChoice Giveback H7617-003 (PPO)
• Medical Mutual of Ohio: MedMutual Advantage Signature (HMO-POS)
• MediGold: Mount Carmel MediGold Cash Back (HMO); Mount Carmel MediGold Choice (PPO); Mount Carmel MediGold Glory No RX (HMO); Mount Carmel MediGold No Premium (HMO)
• Paramount Elite Medicare Plans: Paramount Elite Enhanced (HMO-POS); Paramount Elite Preferred (PPO); Paramount Elite Prime (HMO-POS); Paramount Elite Standard (HMO-POS)
• SummaCare Medicare Advantage Plans: SummaCare Medicare Amber (HMO)
• UnitedHealthcare: UHC Dual Complete OH-D002 (HMO-POS D-SNP); UHC Dual Complete OH-D1 (PPO D-SNP); UHC Dual Complete OH-S3 (HMO-POS D-SNP); UHC Dual Complete OH-V002 (HMO-POS D-SNP)

If your plan isn't on this list, it is expected to be offered again in 2027 — but its benefits, drug list and network can still change. Those changes are described in your Annual Notice of Change (ANOC).

How can I tell if my Medicare Advantage plan is ending in 2027?

Your plan has to tell you in writing, and the letter should arrive by early October 2026. It is called a non-renewal notice (sometimes a "plan termination" or "non-renewal" letter), and it says plainly that your plan will not be offered in 2027 and that your coverage ends December 31, 2026.

A few quick ways to check:

• Look for mail from your current carrier marked as important plan information. The non-renewal notice is a separate document from the ANOC that renewing plans send.
• Compare the plan name on your member ID card to the list above.
• If you're unsure, call the member services number on the back of your card, or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week.

Keep the letter. It is the document that proves you qualify for the Special Enrollment Period described below.

What happens in Toledo if I do nothing and my plan is not returning?

If your Medicare Advantage plan ends on December 31, 2026 and you make no choice, you are automatically returned to Original Medicare — Part A (hospital) and Part B (medical) — starting January 1, 2027. You are still enrolled in Medicare; you just no longer have a private plan on top of it.

Two things to understand about that default:

• Original Medicare does not include prescription drug coverage. If your old Advantage plan included Part D (most do), you will not have drug coverage on January 1 unless you take action to join a stand-alone Part D plan or a new Advantage plan that includes drugs.
• Original Medicare does not cap your out-of-pocket costs the way an Advantage plan does. Many people pair it with a Medigap (Medicare Supplement) policy to fill those gaps.

Doing nothing is a legitimate choice if you want to go back to Original Medicare, but it works best when you pair it with a Part D plan and, if you want it, a Medigap policy.

What Special Enrollment Period do I get if my plan is ending?

When Medicare approves a plan's non-renewal, members get a Special Enrollment Period (SEP) that runs from December 8, 2026 through February 28, 2027. During that window you can:

• Join a different Medicare Advantage plan (with or without drug coverage).
• Return to Original Medicare and add a stand-alone Part D drug plan.

You can also use the Annual Enrollment Period (October 15 – December 7, 2026) to pick a 2027 plan the regular way, with coverage starting January 1. The SEP is the backstop that keeps you covered if you miss December 7 or need more time to compare.

If you move to Original Medicare because your Advantage plan ended, federal rules also give you a guaranteed-issue right to buy certain Medigap policies — meaning insurers must sell to you and cannot charge more because of your health history — but the specific plan letters and timing you're entitled to depend on Ohio rules. For state-specific Medigap questions, contact the Ohio Department of Insurance.

How do I choose a 2027 plan in Lucas County?

Start with your doctors, your drugs and your budget — in that order. For 2027, 87 Medicare Advantage plans from 14 carriers will be offered in Lucas County, so there are still many options whether you want an HMO, HMO-POS, PPO or a Special Needs Plan. The table on this page lists every plan available.

A short checklist:

• Make a list of your doctors, hospitals and regular prescriptions.
• Go to the Medicare Plan Finder at medicare.gov and enter your ZIP code and medications. The Plan Finder shows each plan's premium, deductible, drug costs and network — the specifics we can't publish here.
• Confirm your providers in the plan's own directory and your drugs in its formulary before you enroll.
• Remember the 2027 Part D changes that apply to every plan: the out-of-pocket cap is $2,400 (up from $2,100 in 2026) and the maximum Part D deductible is $700 (up from $615 in 2026). CMS will publish the 2027 Part B premium, deductible and IRMAA brackets later in the fall.

If you want help, call 1-800-MEDICARE. The agents are available any time and the call is free.