As of the most recent data, there are 197,410 Medicare enrollees in Toledo, Ohio. Of nearly 200,000 Medicare participants, 43.7% use a Medicare Advantage plan. However, there are many options for supplemental Medicare in Toledo, Ohio, which we explore below.
Medicare plans in Toledo, Ohio
There are two primary Medicare options in Toledo, Ohio, where residents can enroll: the Medicare Advantage plan and the Medigap plan. The user base in Toledo for both options is 71 years old on average, 53.7% female vs. 46.3% male.
Medicare Advantage plans
86,261 Medicare users in Toledo have an Ohio Medicare Advantage plan. And those users have plenty of options, as there are 71 Medicare plans in Lucas County alone, 32 more than the national average.
One plan with a five-star rating comes from Medical Mutual of Ohio, a local PPO Advantage provider with $0 premium options. They also offer low maximum out-of-pocket (MOOP) rates of $5,900. Additionally, those who sign up with this plan can work with a local in-state company that knows its clients.
Like Medical Mutual of Ohio, has $0 premiums and a MOOP rate of $5,900. The only significant difference is the rating, with being a four-star provider.
Aetna has highly-regarded HMO-POS options if you’re not looking for a local PPO plan. They offer MOOP rates of $4,900 and $0 premiums.
The average cost of Medicare Advantage plans in Toledo, Ohio
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $5,900 | LOCAL PPO | N/A |
| $0 | $5,900 | LOCAL PPO | 4 | |
| Medical Mutual of Ohio | $0 | $5,900 | LOCAL PPO | 5 |
| Caresource | $0 | $7,550 | HMO | 3 |
| Aetna | $0 | $4,900 | HMO-POS | 3 |
Medicare Supplement plans
Medigap plans allow users to ditch the out-of-pocket expenses that come with Advantage Medicare in Toledo, Ohio. Unfortunately, you’ll have to pay higher monthly premiums, although the exact costs vary from plan to plan.
One of Ohio’s most popular Medigap options is Medigap Plan G. The premiums range from $106.89 to $379.96, some of the highest premium payments on average.
For Medigap Plan HDG, premiums range from $30.00 to $55.00. Not only are those the lowest premium payments available in Toledo, but the payment difference between the cheapest and most expensive plans is lower than any other option.
A similar option to HDG is Medigap Plan HDF. HDF has low monthly premiums ranging from $30.00 to $74.54.
The average cost of Medicare Supplement plans in Toledo, Ohio
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $78.21 | $329.22 |
| PLAN B | $118.62 | $294.62 |
| PLAN C | $134.45 | $366.62 |
| PLAN D | $114.47 | $252.98 |
| PLAN F | $123.75 | $402.33 |
| PLAN HDF | $30.00 | $74.54 |
| PLAN G | $106.89 | $379.96 |
| PLAN HDG | $30.00 | $55.00 |
| PLAN K | $44.81 | $113.12 |
| PLAN L | $71.08 | $243.94 |
| PLAN M | $85.42 | $267.15 |
| PLAN N | $84.74 | $358.90 |
Medicare Part D prescription drug plans
Ohio Part D plans are a form of Medicare that cover prescriptions. This sets Part D apart from most Medicare Advantage plans, which don’t include medications, and Medigap, which offers no plans with prescription coverage.
Aetna has a popular Part D plan for Toledo residents with a low $7.10 premium and a $480 deductible.
UnitedHealthcare is another common choice. While their premiums are more expensive on average at $27.90, they offer an affordable $310 deductible.
Clear Spring Health provides another sought-after Part D plan with a $17 monthly premium and a $480 deductible.
The average cost of Medicare Part D plans in Toledo, Ohio
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.10 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring Health | $17.00 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| $27.90 | $310 | 4 |
Special Needs plans
Special Needs Plans are Medicare packages that address patients with special requirements. Though they aren’t available everywhere, Toledo does offer a few quality special needs options.
Wellcare is a dual-eligibility HMO plan with a $0 premium and one of Toledo’s lowest MOOP rates at $3,450.
Toledo residents can turn to Humana for similar pricing at a different provider, which offers the same premium and MOOP rates. Finally, CareSource has special needs plans with $0 premiums and a $7,550 MOOP rating.
The average cost of Medicare Special Needs plans in Toledo, Ohio
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Anthem BCBS | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Caresource | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Toledo
Medigap’s free services will compare plans and providers to help you find the best Medicare in Ohio. Give us a call or fill out the online form to get rates now.
