bestMedicare AdvantageOhioBest Ohio Medicare Advantage Plans
Updated: May 6, 2024
Advertising & Editorial Disclosure
MoneyGeek determined the widely-available plans in Ohio that received the highest rating from the Centers for Medicare & Medicaid Services. CMS has a five-star quality rating system. We also looked at which option is the best based on plan type, drug coverage and maximum out-of-pocket costs.
That said, these recommendations are generalizations. It’s still a good idea to shop around for a plan that fits your unique needs and be sure its network of healthcare providers works for you before you sign up.
MoneyGeek also analyzed the best medicare supplement plans in Ohio for those focused on covering out-of-pocket expenses.
bestMedicare AdvantageOhioBest Medicare Advantage Plans in Ohio
Best plan overall - Medical Mutual of Ohio
Best HMO plan - The Health Plan
Best plan without drug coverage - Medical Mutual of Ohio
Best plan for low out-of-pocket costs - Medical Mutual of Ohio
Best Medicare Advantage Plan in Ohio - Overall
It’s vital to consider your needs and preferences when choosing the best Medicare Advantage Plan in Ohio. If you want a PPO plan with drug coverage, the six core benefits and a high star rating from CMS, MedMutual Advantage Access from Medical Mutual of Ohio is the best option.
Preferred Provider Organization plans tend to be expensive, but they offer a wider network of healthcare providers. You also won’t need a referral to see a specialist with a PPO. This plan type is good if you’re looking for flexibility and don’t mind higher premiums.
Medical Mutual of Ohio
MoneyGeek determined that MedMutual Advantage Access is best for buyers who want a PPO. This plan features:
- A $0 monthly premium
- Prescription coverage with a drug deductible of $0
- An in-network max-out-of-pocket payment of $5,400
- A perfect 5 out of 5 star rating from CMS
The MedMutual Advantage Access plan includes the six most common benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth. It also offers Part D drug coverage and receives a high rating from CMS. This plan is a great choice for travelers since it includes worldwide emergency coverage.
Of course, the best plan for you will depend on your particular needs.
Best HMO Medicare Advantage Plan in Ohio
The best HMO Medicare Advantage Plan for you will depend on your specific needs. For instance, if you want an HMO plan with drug coverage, the six core benefits and a high star rating from CMS, the best option in Ohio is The Health Plan’s SecureCare — Option II.
A Health Maintenance Organization plan is typically cheaper than other plan types, including PPOs. With an HMO, you’re required to stay within your provider network to be covered except during an emergency. You also need a referral to see a specialist. This plan is good if you want lower monthly payments and in-network providers are readily available where you live.
The Health Plan
The Health Plan SecureCare — Option II is best for those who want an HMO. Of course, the best option for you will depend on your needs. This plan includes:
- A $0 monthly premium
- Prescription coverage with a drug deductible of $100
- An in-network max-out-of-pocket payment of $3,900
- A 4.5 out of 5 star rating from CMS
Aside from Part D drug coverage, The Health Plan SecureCare — Option II also offers the six most common benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth. It also receives a high rating from CMS.
Best Medicare Advantage Plan in Ohio Without Drug Coverage
You’ll find that you have more plans available to you if you don’t need Part D prescription drug coverage. The MedMutual Advantage Access from Medical Mutual of Ohio is best if you want a Medicare Advantage Plan with or without drug coverage, which includes the six core benefits and a high star rating from CMS.
Regardless of whether you need drug coverage or not, this is one of the best options in Ohio.
Medical Mutual of Ohio
The MedMutual Advantage Access is the best option in Ohio for buyers looking for a plan whether it has drug coverage or not. This plan from Medical Mutual of Ohio includes drug coverage. It also has:
- A monthly premium of $0
- An in-network max-out-of-pocket payment of $5,400
- A perfect 5 out of 5 star rating from CMS
MedMutual Advantage Access includes the six most common benefits. These are vision, dental, hearing, fitness, worldwide emergency and telehealth. The plan also received a high rating from CMS.
Best Medicare Advantage Plan in Ohio for Low Max Out-of-Pocket Costs
In Ohio, many Medicare Advantage plans have low or no premiums. Still, you may face high out-of-pocket expenses. To avoid this, you’ll want a plan that has a low in-network max-out-of-pocket payment.
The MedMutual Advantage Access plan from Medical Mutual of Ohio is the best option for those looking for a plan with a low in-network max-out-of-pocket costs, prescription drug coverage, the six core benefits and a high star rating from CMS.
Medical Mutual of Ohio
If you’re looking for a plan with low in-network max-out-of-pocket costs, you may find that MedMutual Advantage Access is the best option in Ohio for you. MoneyGeek filtered out plans with high max-out-of-pocket payments to find the best option for Ohio.
This plan includes:
- $0 monthly premium
- Prescription coverage with a drug deductible of $0
- An in-network max-out-of-pocket limit of $5,400
- A 5 out of 5 star rating from CMS
A plan with a lower max-out-of-pocket payment will protect you from high costs if your healthcare needs in a year are expensive. With MedMutual Advantage Access, you won’t have to pay for in-network coverage once you reach the max-out-of-pocket limit of $5,400.
You’ll have a different max-out-of-pocket payment for out-of-network coverage if you have a PPO plan. For MedMutual Advantage Access, it’s $11,300.
Medicare Advantage Plan in Ohio - Statistics
In Ohio, 19 healthcare organizations offer Medicare Advantage plans. MoneyGeek provided statistics on the state’s plan types, $0 premium plans and commonly-offered benefits. This information can help you see which plan components are rare Vs. common.
- 1
Ohio Medicare Advantage Plans are a mix of HMO, PPO, PFFS and MSA plans with 81.9% of these offering drug coverage
In Ohio, 51.3% of its Medicare Advantage Plans are HMO while 44% are PPO plans. Additionally, 0.8% of the state’s plans are Private Fee-For-Service (PFFS) and 3.8% are Medical Savings Account (MSA) plans. 81.9% of these plans offer drug coverage.
- 2
48% of Medicare Advantage Plans in Ohio have a $0 premium
Ohio has 60 unique plans with $0 premiums. That’s 48% of the available Medicare Advantage Plans in the state. For plans with a monthly premium, the average cost is $79.40.
- 3
Hearing, Vision and Dental benefits are common in Ohio, and most plans offer them
The most common benefits included in Medicare Advantage Plans in Ohio are hearing, vision and dental. On the other side of the spectrum, the rarest benefits included in plans are emergency response devices, in-home support and home safety devices & modifications.
Methodology
MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Ohio were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Ohio based on county availability.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.