Comparing 2020 Medicare Advantage plans to find the best options in Lake County, Ohio? You're in the right place.
Unlike prescription drug plans (Medicare Part D), which are the same statewide, Medicare Advantage plan availability and options vary by area. The reason for this is simple. Not all areas have the same healthcare providers, so localized plans are better.
Getting Enrolled in a 2020 Medicare Advantage Plan in Lake County
Most Ohio seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
There are three ways to enroll:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent Ohio insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. a Lake County Medicare Advantage Plan
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage in Lake County. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Ohio Medicare Part D Plan (prescriptions) and a Ohio Medigap plan (supplemental Medicare insurance).
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, check out our Medigap directory and compare Medicare supplement plans in your area. All Medicare supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
Compare Plan Rates
The average Ohio senior compares three or more quotes before making an enrollment decision.
Lake County, Ohio Special Needs Plans (SNP)
We organize Medicare Special Needs Plans for Lake County, OH beneficiaries in a seperate directory. Although SNP plans are Medicare Advantage plans, they are only available to:
- Beneficiaries in a nursing home or receiving skilled nursing care at home;
- Beneficiaries with both Medicare and Medicaid benefits; and
- Beneficiaries with certain chronic health conditions.
Click here to browse the Medicare SNP plans.
Lake County, OH Medicare Advantage Plan Availability
The 59 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Grand River, Madison, Mentor, Painesville, Perry, Wickliffe, Willoughby, Eastlake, and all other locations in Lake County, Ohio. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).