Don't let all of the Medicare health insurance options in Summit County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you are looking for more information about your options click here.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Summit County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Summit County or Ohio. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Summit County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Summit County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
Monthly premiums in Summit County start at $0.00 and go as high as $165.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 30 Medicare Advantage plans offering prescription drug coverage. There are 11 plans that do not include prescription coverage. That's a total of 41 options!
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
About one-third of all seniors on Medicare enroll in a Medicare Advantage plan. You can learn more about this private health insurance option on our Medicare Advantage Frequently Asked Questions page and our Medicare Advantage Coverage page.
Medicare Supplement Insurance in Summit County
The only relief Ohio seniors have from the high cost of medical bills is additional insurance. That's because Original Medicare does not set limits on your annual out-of-pocket expenses. It's a serious risk that you need to consider. If you plan to keep your Original Medicare, the solution is Medicare Supplement insurance (Medigap).
Medigap insurance is available in Ohio in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Summit County
One of the most important healthcare benefits needed by most Ohio seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
You have a total of 32 Ohio PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $12.60 per month. At the high end, premiums top out at $119.10 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
How-To Find a Medicare Doctor in Summit County, Ohio
We've recently added all Summit County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Akron, Barberton, Cuyahoga Falls, Fairlawn, Green, Hudson, Lakemore, Macedonia, Munroe Falls, Northfield, Peninsula, Richfield, Stow, Tallmadge, Twinsburg, and surrounding areas.