Comparing 2020 Medicare Advantage plans to find the best options in Lucas County, Ohio? You're in the right place.
Unlike Medicare Part D prescription drug plans, which are a statewide option, Medicare Advantage Plans vary by county. The reason for this is simple. Not all areas have the same healthcare resources or needs, so county-by-county plans work better.
Who Can Enroll in Medicare Advantage in Lucas County?
If you are age 65 or older, you most likely qualify to enroll in a Ohio Medicare Advantage plan available in your county. If you have End-Stage Renal Disease (ESRD), you will need to stay on Original Medicare.
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.
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You can get enrolled three ways:
- 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 Lucas 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 Lucas 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're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplements directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Compare Plan Rates
The average Ohio senior compares three or more quotes before making an enrollment decision.
Lucas County, Ohio Special Needs Plans (SNP)
We organize Medicare Special Needs Plans for Lucas 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.
Lucas County, OH Medicare Advantage Plan Availability
The 58 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Harbor View, Berkey, Holland, Maumee, Monclova, Neapolis, Sylvania, Waterville, Whitehouse, Toledo, Oregon, and all other locations in Lucas County, Ohio. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).