Medicare Advantage

Toledo's 2027 Medicare Advantage plans, sorted by the 14 carriers selling them

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.

For plan year 2027, Medicare shoppers in Toledo have a long list of Medicare Advantage options to sort through — and the clearest way to read that list is by the company selling the plan. Toledo sits in Lucas County, where the Centers for Medicare & Medicaid Services (CMS) shows 83 Medicare Advantage plans available from 14 carriers. Every one of those plans includes prescription drug coverage. The table below lists every plan, grouped by carrier, with its plan type (HMO, HMO-POS or PPO) and a note on whether it is a Special Needs Plan.

What "carrier by carrier" tells you

Medicare Advantage plans are sold by private insurance companies that contract with Medicare. In Lucas County, 14 carriers are offering plans for 2027, with 19 new plans on the roster, 31 not returning from 2026 and 4 renamed. MediGold and Paramount Elite Medicare Plans are not offering plans in the county next year. Carriers continuing to sell plans include Humana, UnitedHealthcare, Devoted Health, Aetna (CVS Health), Elevance Health (Anthem), CareSource MyCare Ohio, Communicare Advantage, Molina Healthcare of Ohio, Valor Health Plan, Medical Mutual of Ohio, Perennial Advantage, SummaCare, Centene (WellCare) and Zing Health.

Grouping by carrier is useful for two reasons. First, it lets you see who your doctors and hospitals are most likely to be in network with. Second, if you already have a plan you like, you can quickly find the rest of that carrier's lineup to compare.

Plan types available in Toledo

Every Medicare Advantage plan on the Lucas County list falls into one of three network types:

• HMO (Health Maintenance Organization): 37 plans. HMOs generally ask you to use in-network providers and pick a primary care doctor.
• HMO-POS (Point of Service): 26 plans. HMO-POS plans work like an HMO but allow some out-of-network care under specific rules.
• PPO (Preferred Provider Organization): 36 plans. PPOs typically let you see out-of-network providers, usually at a higher cost share.

Some plans also carry a suffix like C-SNP, D-SNP or I-SNP. Those are Special Needs Plans, designed for people with certain chronic conditions (C-SNP), people who qualify for both Medicare and Medicaid (D-SNP), or people living in an institutional setting such as a nursing home (I-SNP). In Lucas County, 33 of the 99 plans are SNPs.

Drug coverage and the 2027 Part D rules

All 83 Medicare Advantage plans available in Lucas County for 2027 include prescription drug coverage — often called MA-PD plans. Because of that, CMS shows 0 stand-alone Part D plans marketed for the county alongside these MA-PDs; stand-alone Part D is generally paired with Original Medicare, not Medicare Advantage.

A few Part D rules apply the same way across every plan for 2027:

• The out-of-pocket cap for covered Part D drugs is $2,100 in 2026 ($2,400 in 2027).
• The maximum Part D deductible a plan can charge is $615 in 2026 ($700 in 2027) (many plans use less).
• The old coverage gap, or "donut hole," was eliminated in 2025, leaving three payment phases.
• The Medicare Prescription Payment Plan is available on request. It lets you spread your covered drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter.
• IRMAA (the income-related surcharge for Part B and Part D) starts above $109,000 in income for a single filer in 2026.

How to read the full plan table

Below the article, the roster lists every plan by carrier, in alphabetical order, with its plan type and confirmation that it includes drug coverage. Availability data comes from the CMS Medicare Advantage Landscape Source File for plan year 2027 at the county level. It does not include premiums, copays, deductibles, formularies, provider networks or star ratings — for those details you should use the Medicare Plan Finder at medicare.gov or read the plan's own Summary of Benefits and Evidence of Coverage.

A note on star ratings: CMS shows 0 contracts rated 4 stars or higher for the Lucas County service area in this dataset. Ratings can shift year to year, and a single contract number can cover many plans across many counties, so use ratings as one data point rather than the deciding factor.

Dates to keep on your calendar

• Oct. 15 – Dec. 7, 2026: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan for 2027.
• Jan. 1 – March 31, 2027: Medicare Advantage Open Enrollment. If you are already in a Medicare Advantage plan on Jan. 1, you get one chance to switch to another MA plan or return to Original Medicare (and add a stand-alone Part D plan).
• Special Enrollment Periods may apply if you move, lose other coverage or qualify for certain programs like Extra Help or Medicaid.

Toledo has roughly 75,209 residents age 65 and older, so if you are shopping this fall, expect Plan Finder and carrier phone lines to be busy in the last two weeks before Dec. 7. Starting earlier gives you time to check that your doctors, hospitals and prescriptions are covered by any plan you are considering.