Best Medicare Advantage Plans Ohio 2025

Navigating the best Medicare Advantage plans in Ohio for 2025 doesn’t have to be complex. Our guide cuts through the noise, presenting a straightforward comparison of the best Medicare Advantage plans for 2025 with standout premiums, coverage, and provider networks to aid your selection.

Discover which plans rise to the top for Ohioans and equip yourself with the vital facts to choose confidently and wisely.

 

Key Takeaways

  • Ohio’s Medicare Advantage market is diverse, featuring top providers such as Devoted Health, AARP/UnitedHealthcare, and Humana, who offer an array of plans with a balance of costs, benefits, and additional perks to meet different needs.

 

  • Prospective enrollees should carefully compare costs and benefits, considering factors like monthly premiums, as well as copayment rates and out-of-pocket limits, which vary among plan types including HMO, PPO, and SNP options.

 

  • Eligibility for Medicare Advantage in Ohio begins at age 65 or earlier if disabled, with enrollment possible three months before to three months after turning 65 and during the annual open enrollment period.

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Top Medicare Advantage Providers in Ohio

The Medicare Advantage landscape in Ohio is diverse, with numerous Medicare Advantage companies offering a range of plans tailored to suit different needs and budgets.

 

List of medicare advantage plans

 

Top-rated providers for 2025 include:

  • Devoted Health

 

  • AARP/UnitedHealthcare

 

  • Humana

 

  • PrimeTime

 

  • UPMC for Life

 

Ohio offers multiple Medicare Advantage plans with affordable monthly rates and excellent customer service. Comparing the best Medicare Advantage plans to select the most suitable one for your specific needs is recommended.

 

Devoted Health: Comprehensive Coverage

Devoted Health is a reliable provider offering a comprehensive range of Medicare Advantage plans in Ohio.

Devoted Health’s Medicare Advantage plans stand out due to their integration of virtual and at-home clinical services via Devoted Medical.

Their credibility is further reinforced by their HMO plans’ top Medicare Advantage performance Star Rating of 5 out of 5 for 2023.

 

AARP/UnitedHealthcare (AARP/UHC)

AARP/UnitedHealthcare stands out with its possibility of additional benefits not covered by Original Medicare.

This enhanced coverage makes AARP/UnitedHealthcare an attractive option for those seeking more than just basic health coverage.

 

Comparing Costs and Benefits of Ohio Medicare Advantage Plans

When selecting a Medicare Advantage plan, it is essential to compare costs and benefits.

 

Why medicare advantage plans are bad

 

Moreover, Medicare Advantage plans often have lower copayment and coinsurance rates than Original Medicare, making them a more cost-effective option for many beneficiaries.

However, costs can vary significantly across plans, so it’s important to thoroughly compare Medicare Advantage plans before making a decision.

 

Copayment Rates and Out-of-Pocket Expenses

When comparing Medicare Advantage plans, copayment rates and out-of-pocket expenses are significant factors to consider.

Nevertheless, limits can greatly differ between plan types. As such, understanding the potential out-of-pocket costs for each plan is essential before enrolling.

Types of Medicare Advantage Plans in Ohio

The Medicare Advantage landscape in Ohio is diverse, with several types of plans available to meet a variety of needs. These include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs).

 

Summacare medicare advantage plans

 

 

Each plan type has its own set of rules, restrictions, and potential benefits. Consequently, comprehending the differences among them is vital when selecting a plan that aligns best with your healthcare needs and preferences.

 

Health Maintenance Organization (HMO)

HMO plans are a popular choice among Medicare Advantage beneficiaries in Ohio. These plans typically require members to use doctors and hospitals within a specific network.

Providers like Devoted Health and Humana offer HMO plans, providing residents with options that require selecting a primary care physician and staying within the provider network for care.

This type of health plan can be a good fit for individuals who prefer having their healthcare services coordinated by a primary care physician within a specific network.

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Preferred Provider Organization (PPO)

Preferred Provider Organization (PPO) plans are known for offering greater flexibility compared to other Medicare Advantage plan types. These plans allow beneficiaries to see specialists and access out-of-network care without the need for referrals.

PPO plans are offered by private insurance companies. This type of plan can be an excellent choice for individuals who prefer more flexibility in choosing their healthcare providers and don’t mind paying a bit more for that freedom.

 

Special Needs Plans (SNPs)

Special Needs Plans (SNPs) in Ohio are specifically designed to meet the unique healthcare requirements of individuals with certain conditions or circumstances. These plans cater to individuals with chronic disabilities or simultaneous eligibility for Medicare and Medicaid, providing focused healthcare tailored to their specific needs.

Humana offers Special Needs Plans in Ohio, including:

 

  • These provide enhanced benefits that may include prescription drug coverage, dental, vision, and hearing to individuals who qualify for both Medicare and Medicaid

 

  • SNPs can be a lifeline for those who require specialized care.

 

Eligibility and Enrollment Process for Ohio Medicare Advantage Plans

In Ohio, eligibility for Medicare Advantage plans begins at 65 or earlier if there’s a disability.

 

Medicare supplement plans in ohio

 

Grasping the enrollment periods is also vital. Individuals can begin enrolling in Medicare Advantage plans three months prior to their 65th birthday, and continue up to three months after turning 65.

There’s also an opportunity for enrollment during the annual fall open enrollment period that runs from October 15 to December 7.

 

Eligibility Requirements

Medicare is a federal health insurance program designed for individuals who are 65 years and older. It provides coverage for various medical expenses.

However, eligibility for Medicare Advantage plans in Ohio can also occur earlier due to a disability, end-stage kidney disease, or Lou Gehrig’s disease. In addition to Medicare, some individuals may also qualify for Medicaid services, which can provide further assistance with healthcare costs. For those looking for additional coverage, Medicare supplement insurance is an option to consider.

It’s crucial to ensure that you meet the Medicare Advantage plan eligibility requirements to enroll in a Medicare Advantage plan or a Medicare supplement plan.

 

Enrollment Periods

The Initial Enrollment Period (IEP) for Medicare begins three months before the month of an individual’s 65th birthday and extends until three months after.

Apart from this, the Open Enrollment Period for Medicare Advantage plans in Ohio starts yearly on October 15 and runs through December 7. Moreover, Ohio residents can use the Medicare Advantage Open Enrollment Period from January 1 to March 31 to switch between Medicare Advantage Plans or revert back to Original Medicare.

 

How to Enroll

For more information and help, visit us at www.medicareadvantageplans2025.org, or call us at 1-844-709-9937 (TTY 711), Mon-Fri 8 am-9 pm EST.

Give us a call to learn more. We can assist you in comparing the benefits, premiums, and network options of each plan. After you’ve chosen a plan, the agent will guide you through the enrollment process. This will ensure that you understand each step and can complete it successfully.

Evaluating Prescription Drug Coverage in Ohio Medicare Advantage Plans

Assessing the prescription drug coverage is essential when selecting a Medicare Advantage plan. Given that most Medicare Advantage plans in Ohio incorporate Part D prescription drug coverage, it is important to understand which medications each plan covers.

 

Best medicare supplement plans in ohio

 

To make an informed decision, consider comparing the Medicare prescription drug plan options available within the Medicare Advantage plans.

The cost of medications can differ based on the formulary tiers of each plan. Here are some key points to consider:

  • Generic drugs often fall in lower tiers implying lower costs

 

  • Brand name and specialty drugs tend to be in higher tiers, indicating higher costs

 

  • Before enrolling in a Medicare Advantage plan, it’s critical to use available tools to confirm prescription coverage, check associated costs, and ensure preferred pharmacies are included in the plan’s network.

 

Summary

Navigating the Medicare Advantage landscape in Ohio can seem daunting, but with the right information and resources, it becomes manageable. From understanding the top providers and the various types of plans to evaluating costs and benefits, every step of the process is crucial in making an informed decision.

It’s important to remember that the best plan for you depends on your unique healthcare needs and budget. So, take the time to research, compare, and choose the best Medicare Advantage plan that suits you the best.

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Frequently Asked Questions

 

Which Medicare Advantage plan has the highest rating?

Humana is the best Medicare Advantage plan provider due to its high quality ratings, good customer satisfaction, and widespread availability. Customers report better healthcare quality with Humana compared to AARP/UHC.

 

How much will the Medicare Advantage plans cost in 2025?

The plan benefits have not been released, but make sure to check back into this website for updated information for the 2025 calendar year.

 

What is the best Medicare in Ohio?

The best Medicare Advantage plans in Ohio are offered by Devoted Health, AARP/UnitedHealthcare, and Humana due to their good rates, high customer satisfaction, and wide availability.

 

Is Medicare premiums going down in 2025?

The plan benefits have not been released, but make sure to check back into this website for updated information for the 2025 calendar year.

 

What are the top Medicare Advantage providers in Ohio for 2025?

In 2025, the top Medicare Advantage providers in Ohio are Devoted Health, AARP/UnitedHealthcare, Humana, PrimeTime, and UPMC for Life. These providers are highly rated for their offerings in the state.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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Speak with a licensed insurance agent

1-844-709-9937
TTY 711

Mon-Fri : 8am-9pm ET