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, which average at $16.63 in 2025, 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; Ohio Medicare beneficiaries have access to resources like Medicare.gov, OSHIIP, and the Ohio Department of Insurance for plan comparisons and counseling.

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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

 

These providers have been evaluated based on CMS public use files, Star ratings, plan benefits, extra perks, and the coverage of the Medicare-eligible population in each county.

Ohio offers multiple Medicare Advantage plans with affordable monthly rates and excellent customer service. However, these might not be suitable for individuals with high medical costs. Therefore, 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. These include the following plans, each designed to cater to different needs:

 

  • Choice plan: The only PPO plan offered in Ohio by Devoted Health, providing flexibility in choosing healthcare providers.
  • Core plan
  • Giveback plan
  • Prime plan

 

Depending on the location, the monthly cost for the Devoted Health Prime plan fluctuates between $14 or $19. 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): Extra Benefits

AARP/UnitedHealthcare stands out with its additional benefits not covered by Original Medicare. Some of the additional benefits may comprise fitness memberships, transportation perks, or meal delivery services. These can contribute to a well-rounded employee benefits package..

This enhanced coverage makes AARP/UnitedHealthcare an attractive option for those seeking more than just basic health coverage. It’s the little extras that can make a big difference in the quality of life, especially for seniors who require more comprehensive care.

 

Humana: $0 Plan Options

Humana offers a suite of $0 premium Medicare Advantage plans in Ohio including three PPO options. This makes Humana an ideal choice for beneficiaries seeking affordable coverage.

Two standout plans from Humana include the GoldPlus (H6622-022) plan, specifically designed for individuals with ongoing medical needs such as chronic conditions, and the Humana USAA Honor with RX plan, catering to veterans and complementing the health care benefits they receive from Veterans Affairs.

The diverse range of $0 premium plans makes Humana a feasible option for a wide array of beneficiaries.

 

Comparing Costs and Benefits of Ohio Medicare Advantage Plans

When selecting a Medicare Advantage plan, it is essential to compare costs and benefits. In Ohio, the average monthly premium for Medicare Advantage plans stands at $35, although some providers, such as AARP/UnitedHealthcare, offer plans with no premiums.

 

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.

 

Average Monthly Premium

As of 2025, the average monthly premium for a Medicare Advantage plan in Ohio is $16.63, representing the cost for coverage in the state. This is a modest increase from 2023 when the average monthly premium stood at $16.10.

Despite the slight increase, some plans, such as those offered by Devoted Health, feature $0 monthly premiums, providing a cost-effective option for beneficiaries.

 

Copayment Rates and Out-of-Pocket Expenses

When comparing Medicare Advantage plans, copayment rates and out-of-pocket expenses are significant factors to consider. The average out-of-pocket limit for in-network services for Medicare Advantage enrollees in Ohio dropped from $5,091 in 2021 to $4,835 in 2023.

Nevertheless, these limits can greatly differ between plan types. For instance, HMO enrollees face an average limit of $4,033, while local and regional PPO enrollees encounter average limits of $8,605 and $9,643 respectively. 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 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 like Devoted Health and represented by HealthCompare Insurance Services. 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:

 

  • Dual Special Needs Plans
  • These provide enhanced benefits that include care coordination, prescription drug coverage, and additional benefits for 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. However, all Ohioans eligible for Medicare have access to a Medicare Advantage plan with no premium, indicating the plans’ affordability and accessibility.

 

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

Enrolling in a Medicare Advantage plan involves contacting a licensed insurance agent, comparing plans, and completing an application. At GoHealth, you have the option to reach out to a licensed insurance agent who can provide information on the available Medicare Advantage plans in your area.

Give them a call to learn more. They 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.

You can complete a Medicare Advantage application with an insurance company or through Medicare.gov to enroll in the plan of your choice.

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.

 

Additional Resources for Ohio Medicare Beneficiaries

Ohio residents have a host of resources at their disposal for information about Medicare plans. These include federal resources like Medicare.gov and the CMS website, which provide information about Medicare plans and a ZIP code plan finder tool to locate plans available in their area.

The Ohio Senior Health Insurance Information Program (OSHIIP) provides the following services:

 

  • Free counseling to help Ohioans understand and enroll in Medicare, Medicare Advantage, and other health plans
  • Assistance with managing Medicare accounts
  • Navigating through the process of filing complaints

 

This personalized assistance makes OSHIIP invaluable for Ohio residents with Medicare-related questions and concerns.

Moreover, the Ohio Department of Insurance provides one-on-one counseling, online webinars, and other informational resources regarding Medicare to Ohio residents.

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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 for 2025 due to its high quality ratings, good customer satisfaction, widespread availability, and numerous $0-per-month plans. Customers report better healthcare quality with Humana compared to AARP/UHC.

 

How much will the Medicare Advantage plans cost in 2025?

The average monthly premium for Medicare Advantage plans in 2025 is expected to be $18.50, although this cost may vary depending on the insurer and level of coverage.

 

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?

Medicare premiums are set to increase in 2025, with the standard monthly premium for Part B going up to $174.70 from $164.90 in 2023. Additionally, the annual deductible for all Medicare Part B enrollees will be $240, up from $226 in 2023. Therefore, there will be an increase in Medicare premiums in 2025.

 

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.

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Compare Medicare Plans

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Speak with a licensed insurance agent

1-844-350-0776
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Mon-Fri : 8am-9pm ET