Best Medicare Advantage Plans in Ohio (2027)

SummaCare Medicare Advantage Plans limits a bad year better than any Ohio carrier. Its median max annual cost exposure is $4,160, and no plan goes above $5,200.

Medicare Amber HMO gets you a $3,450 limit with no premium. Medicare Emerald, an HMO-POS, charges $93 a month for Ohio’s lowest limit, $3,000, and $0 doctor and specialist copays, which pays off if you see doctors often.

All six plans hold 4 CMS stars and include at least $2,000 in dental. No plan has a hearing aid allowance, a set amount the plan pays toward devices, so aids cost $395 or more each. Coverage stops at 33 counties.

Devoted Health gives you out-of-network PPO coverage with no premium and a high quality rating. Its Choice 001 and Choice 003 PPOs hold 4.5 CMS stars, cost $0 a month and set a $5,300 out-of-pocket limit in all 78 Devoted counties. Its 13 HMOs rate 4 stars.

Core HMOs keep limits between $4,750 and $5,500. Giveback Extras plans raise limits above $6,300 and add over-the-counter (OTC) allowances, money for pharmacy items, of $796 to $936 a year. The three Giveback plans set an $8,000 limit with $250 in dental, second only to the $9,250 limit on Devoted’s Choice MA Only 002 PPO.

Anthem Blue Cross and Blue Shield includes the largest hearing aid allowances of the three carriers sold in every Ohio county. Each of its eight plans pays $2,000 or $3,000 toward hearing aids.

Choose an Anthem plan by contract. The four standard PPOs hold 4.5 CMS stars. Its HMO-POS plans and Regional PPOs, which must serve an entire CMS region, rate 3.5. Anthem Veteran PPO pairs the higher rating with the carrier’s lowest limit, $5,900. Other Anthem limits reach $8,500.

Aetna Medicare charges no premium on any of its 12 Ohio plans across 79 counties. Every plan also pays $2,000 to $3,000 toward hearing aids and includes dental coverage.

Aetna’s six PPOs rate 4 CMS stars, half a star above its HMO-POS plans, so the PPOs give you more flexibility and higher quality at the same $0 price.

Advantra Signature Classic PPO has the lowest limit, $4,500, in 11 counties. Eagle Giveback PPO reaches 66 counties with a $6,900 limit and a $2,750 dental maximum, which helps more with dental work than with hospital bills.

PrimeTime Health Plan has the highest quality marks among the carriers we ranked. All four of its HMO-POS plans hold 4.5 CMS stars, and members rate it 91 out of 100 in Medicare’s CAHPS satisfaction survey. It sells in only 10 northeast Ohio counties, including Stark, Summit and Mahoning.

PrimeTime Health Plan Basic - MA Only charges no premium and sets a $3,900 limit with $2,000 in dental. Aultimate, the other $0 plan, has PrimeTime’s highest limit, $5,900. Plus costs $105 a month for a $4,250 limit and the carrier’s largest dental maximum, $2,500.

Mount Carmel MediGold Glory No RX charges $95 a day for an inpatient (hospital) stay, the lowest daily hospital copay in Ohio, with no premium. Most Ohio plans charge $300 or more per day, so the savings build with every day you stay.

MediGold’s five HMOs serve the same 45 counties, including Franklin, Montgomery and Hamilton. Each rates 3.5 CMS stars, below the 4-star mark, yet members score MediGold 90 out of 100. Premier costs $68 a month for the carrier’s lowest limit, $3,900. Cash Back has MediGold’s highest limit, $8,900.

Humana gives you the most choice in Ohio, with 20 plans sold in every county. Its out-of-pocket limits also vary more than any carrier’s, from $4,200 to $9,850, so the plan you pick matters more than the brand.

HumanaChoice H5525-030 PPO costs $2 a month and sets a $4,450 limit in 84 counties. Gold Plus H0292-004 and H6622-014 set $4,200 limits in only six and 11 counties. Humana HMO and HMO-POS members pay $15 per specialist visit, and every Humana plan charges a copay for hearing aids.

Medical Mutual of Ohio rewards members willing to pay a premium. Its MedMutual Advantage Premium PPO costs $70 a month and sets a $3,600 limit, the lowest of any Ohio PPO, with $2,000 in dental. Six of its 10 plans charge a premium, more than at most Ohio carriers.

Medical Mutual's four PPOs hold 4.5 CMS stars, a full star above its HMO and HMO-POS plans, and three of them serve all 38 Medical Mutual counties. Check dental before enrolling, since three plans, including the Preferred and Select PPOs, include none.

Zing Health puts its value into extra benefits. Both of its no-premium HMOs include a $1,500 hearing aid allowance and $2,000 in dental, and Zing has the largest median OTC allowance among the carriers we ranked, $340 a year.

Hospital stays cost more at Zing, $436 a day for up to seven days, above the $395 median for Ohio HMOs. Both plans set a $5,500 limit and rate 3.5 CMS stars. Select Care serves all 15 counties around Cleveland, Toledo, Akron and Youngstown but charges $50 per specialist visit, twice the Elite Select copay.

UnitedHealthcare has the highest median cost exposure of the 10 carriers featured here, $7,150, but one of its plans has among Ohio’s lowest out-of-pocket limits. AARP Medicare Advantage from UHC OH-19, an HMO-POS, charges no premium, sets a $3,900 limit and includes up to $5,000 in dental across 44 counties.

UnitedHealthcare’s 19 plans are sold statewide, and all rate 4 CMS stars with $700 or $1,000 toward hearing aids. Dental is where they split, since seven include none. Out-of-pocket limits range from $3,900 to $8,900 across UnitedHealthcare plans, so check the limit on each plan sold in your county before you enroll.