Medicare Advantage

Medicare and Medicaid in Toledo: your 2027 Dual Special Needs Plan guide

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.

Toledo, Ohio — Fall 2026. If you have both Medicare and Medicaid, you have your own lane in this year's Annual Enrollment Period, which runs Oct. 15 through Dec. 7, 2026, for coverage that starts Jan. 1, 2027. In Lucas County — the county Toledo sits in — four insurers will offer Dual Special Needs Plans (D-SNPs) next year, and some of the names on the list are new or renamed. Here is what dual-eligible neighbors in Toledo should know before deciding.

What is a Dual Special Needs Plan, and who in Toledo qualifies?

A Dual Special Needs Plan (D-SNP) is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid. To join one in Toledo, you need Medicare Parts A and B, you need to live in the plan's service area (Lucas County, for the plans listed here), and you need some level of Ohio Medicaid.

Ohio Medicaid decides whether you are "full dual" (Medicaid covers a broad set of services, including things like long-term care) or "partial dual" (Medicaid helps pay some Medicare costs through a Medicare Savings Program, like QMB, SLMB, or QI, but doesn't cover full Medicaid benefits). Some D-SNPs are designed for full-benefit members, others for partial-benefit members, so your exact Medicaid category matters when matching to a plan.

Which D-SNPs are offered in Lucas County for 2027?

There are 11 D-SNPs available in Lucas County for 2027, out of 87 Medicare Advantage plans overall in the county. For context, the county also has 12 Chronic Condition SNPs (C-SNPs) and 6 Institutional SNPs (I-SNPs) that serve different groups.

The four carriers offering D-SNPs in Lucas County for 2027 are, in alphabetical order:

• CareSource MyCare Ohio (HMO D-SNP): CareSource MyCare Ohio (HMO D-SNP)
• Centene (WellCare): Wellcare Buckeye Health Dual Access (HMO D-SNP) — new for 2027; Wellcare Buckeye Health Dual Reserve (HMO D-SNP) — new for 2027; Wellcare Buckeye MyCare Ohio Dual Align (HMO D-SNP) — new for 2027; Wellcare Buckeye MyCare Ohio Dual Align Unity (HMO D-SNP) — renamed (was Wellcare Buckeye MyCare Ohio Dual Align)
• Elevance Health (Anthem): Anthem Dual Advantage (HMO D-SNP); Anthem Dual Advantage Plus (HMO D-SNP) — new for 2027; Anthem I MyCare Ohio Full Dual Advantage (HMO D-SNP) — new for 2027; Anthem I MyCare Ohio Full Dual Support (HMO D-SNP) — renamed (was Anthem I MyCare Ohio Full Dual Advantage)
• Molina Healthcare of Ohio: Molina Complete Care Connect for MyCare Ohio (HMO D-SNP) — new for 2027; Molina Complete Care for MyCare Ohio (HMO D-SNP)

The table below lists every plan with its type and drug-coverage status. We can't quote premiums, copays, networks, or extra benefits here — those live in each plan's Summary of Benefits and Evidence of Coverage, and in Medicare's Plan Finder at medicare.gov.

How often can a dual-eligible person in Toledo change plans?

If you have Medicaid or you qualify for the Extra Help program for Part D, you get more chances to change plans than most people. In addition to the Annual Enrollment Period (Oct. 15 – Dec. 7, 2026) and the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31, 2027), dual-eligible members generally have a monthly opportunity to join or switch to an integrated D-SNP, or to go back to Original Medicare and pick up a stand-alone Part D plan.

Enrollment rules for dual-eligible members have shifted in recent years, so before you make a change, confirm the current rules by calling 1-800-MEDICARE (TTY 1-877-486-2048) or checking medicare.gov. If you do nothing during this fall's window, your current plan simply continues into 2027 if it is still offered — with any changes spelled out in the Annual Notice of Change (ANOC) your plan mailed you.

How do I confirm my Medicare and Medicaid eligibility in Ohio?

To join a D-SNP, both pieces have to be in place. For Medicare, check your status at medicare.gov (sign in to your account), by calling 1-800-MEDICARE, or by looking at your red, white, and blue Medicare card. For Medicaid, Ohio's Medicaid agency is the source of truth: it can tell you whether you are a full-benefit or partial-benefit dual eligible, which category you fall under (for example, QMB, SLMB, or full Medicaid), and whether your status is active.

A plan can also help you check before you enroll, but the Ohio Medicaid agency and the Social Security Administration (which handles Medicare enrollment and Extra Help) are the official sources. Bringing documentation of both when you compare plans will save you time.

What is changing in Toledo's D-SNP lineup for 2027?

Several of the D-SNPs available in Lucas County for 2027 are new, and two are renamed versions of 2026 plans. The newly listed D-SNPs for next year include three Wellcare Buckeye plans, two Anthem plans (Anthem Dual Advantage Plus and Anthem I MyCare Ohio Full Dual Advantage), and one Molina plan (Molina Complete Care Connect for MyCare Ohio). Two plans — Wellcare Buckeye MyCare Ohio Dual Align Unity and Anthem I MyCare Ohio Full Dual Support — are renamed carryovers from 2026.

Zooming out: across all of Lucas County's Medicare Advantage market for 2027, 31 plans are not returning, 19 are new, and 4 are renamed. If you are already in a plan, read your ANOC closely — that's where the specifics of any 2027 change to your plan show up.

What 2027 Medicare figures are set, and which are not?

A few program-wide numbers for 2027 are confirmed. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible is $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium is $41.33 for 2027 — that's a formula input, not what any specific plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS usually publishes them later in the fall. For dual-eligible readers, remember that Medicaid often helps with Medicare's Part B premium and other cost-sharing depending on your category.