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Best Medicare Advantage Plans in Ohio for 2020

The rates of people who have enrolled in Medicare Part A and Part B but have chosen to switch to one of the best Medicare Advantage plans in Ohio for 2020 has increased. In fact, almost 40,000 more beneficiaries choose an Ohio Medicare Advantage plan last year. If you need a way to manage the coinsurance, copays, and deductibles from Original Medicare without draining your savings account, you also might decide Medicare Advantage gives you the best option.

If you choose a company with great star ratings and coverage, you can enjoy many benefits and savings with a Medicare Advantage plan.

Best Medicare Advantage Plans in Ohio for 2020: Enrollment Facts

Almost any Ohioan with Medicare Part A and Part B can qualify for a Medicare Advantage plan. The biggest exception is for people who suffer from End Stage Renal Disease ESRD and qualify for Original Medicare. There are Special Needs Plans for people who suffer from that disease.

If you do qualify for a Medicare Advantage plan in Ohio for 2020, you need to enroll at the right time:

  • Initial Coverage Election Period: Your Initial Coverage Election Period gives you six months when you first qualify for Medicare Part A and B. For most people, this is right around your 65th birthday. Some people may delay Part B because of other coverage. A disabled beneficiary might have this ICEP before they turn 65.
  • Annual Election Period: Most people call the period from October 1 to December 7 Open Enrollment. At this time, you can switch your Medicare Advantage plan in Ohio.
  • Special Election Period: If you lose your coverage for certain reasons, you might qualify for a SEP that will give you 63 days to change your Ohio Medicare Advantage plan. For example, if your insurance company doesn’t perform its contract renewal for its Medicare contract, then you’ll have a chance to find another company.
  • Medicare Advantage Disenrollment Period: You also get six weeks at the beginning of each year to drop your plan. During this time, you can also enroll in a Part D plan if you need drug coverage because you have returned to Medicare Part A and Part B.

Common Types of Medicare Advantage Plans in Ohio for 2020

You will need to understand the various types of Medicare Advantage plans that you can choose from. This list briefly summarizes the most common choices:

  • Health Maintenance Organization HMO plans in Ohio:

More than half of residents choose one of the best Medicare Advantage plans in Ohio. With an HMO, you almost always have to use a hospital or doctor in the insurance company’s provider network, but you might enjoy low monthly premiums and out-of-pocket costs. Some of these plans, as well as other Medicare Advantage plans, include a Medicare prescription drug plan.

  • Preferred Provider Organization PPO plans in Ohio:

A PPO Medicare Advantage plan in Ohio will give you incentives to see in-network providers. You can still get coverage for a hospital or doctor that it outside of the insurance company’s service area, but you may have to pay higher copayments or deductibles. Almost have of Ohioans have enrolled in a regional or local PPO Medicare Advantage plan.

  • Private Fee-for-Service PFFS plans in Ohio:

PFFS Medicare Advantage plans in Ohio aren’t very common, but they don’t rely upon networks at all.

  • Special Needs Plans SNPs in Ohio:

An insurance company might offer Special Needs plans for people with certain medical needs. These are meant to help with chronic health conditions and institutional conditions.

  • Dual-Eligible in Ohio:

Ohioans who get Original Medicare and Ohio Medicaid may enroll in a dual-eligible Medicare Advantage plan with a $0 premium.

The types of cost-sharing plans listed above are the most popular options. However, there are other options, too. For example, an MSA is a plan that includes a savings account for covering health care costs. There are also private fee-for-service plans that are often more expensive but that don’t have network restrictions.

In addition to signing up for Medicare Part A and Part B and paying your Medicare Part B premium, you should look into all of the Medicare Advantage options that are out there, as well as Medicare Supplement plans. Once you know about the insurance options that are available to you, you can make the right decision.

Enrollment Statistics for the Best Medicare Advantage Plans in Ohio

Every Medicare beneficiary has unique needs. At the same time, it might help to see what choices other people make with these Ohio enrollment statistics for 2020:

  • Enrollment in Medicare Advantage plans: Over 787,000
  • Percentage enrolled: About 35 percent
  • Most common choices for Ohio Medicare Advantage plans: HMOs and PPOs

This list displays the largest Ohio counties by population. Because of the sheer number of people who live in these counties, most of the health plans that are purchased in Ohio are purchased by beneficiaries in these areas. However, you can find health insurance to make more out of your Medicare coverage even if you live in one of the smaller counties in Ohio.

  • Franklin County, OH: 1,291,981
  • Cuyahoga County, OH: 1,248,514
  • Hamilton County, OH:    813,822
  • Summit County, OH: 541,228
  • Montgomery County, OH: 531,542

How 2020 Medicare Advantage Plans in Ohio Cover Prescriptions

Most Medicare Part C options also come with Medicare Advantage Prescription Drug plans, so you don’t need to enroll in extra coverage to get drug benefits. You may find these options attractive become many also come with a most or $0 premium. Original Medicare doesn’t cover most prescription by itself. With Medicare Part A and Part B, you usually only get your medicine covered if it is administered by an inpatient or outpatient facility provider.

If you decide to enroll in an MA that covers prescriptions or get a stand-alone Part D plan, these are some helpful things to know that can help you compare your choices:

  • Drug formulary: Look at this list of covered drugs to find the ones you rely upon.
  • Prescription Drug tiers: Also pay attention to the various deductibles or copayments for generic or brand-name prescription drugs.

Understanding the Network Restrictions of The Best Medicare Advantage Plans in Ohio

If you’re just enrolled in Medicare Part A and Part B, you don’t have to worry about plan networks. If you’re not used to managed care, then there are a few things you should know before you select an HMO or PPO Medicare Advantage plan in Ohio for 2020:

  • With an HMO, the insurance company may not cover your services at all unless you use an in-network provider. They typically make exceptions for emergencies. You may also need a primary care doctor to give you a referral for a covered visit to a medical specialist. If you find a plan with a $0 premium, it will probably be an HMO.
  • With a PPO, you can get out-of-network medical care covered, but you will pay more than you would with an in-network doctor or hospital. You also don’t need a PCP for referrals to see a health care provider.

Before you choose a Medicare Advantage plan in Ohio, you should compare the lists of providers to make sure you can find your favorites on the list. Your best choices will give you access to the healthcare you want. Also, if you do decide to change your address outside of the network area, you will trigger a Special Enrollment Period that will give you a couple of months to change to a plan in your new area.

Top-Rated Companies for Medicare Advantage Plans in Ohio for 2020

First of all, you should be aware that we have done our research with all of the big, trustworthy providers across Ohio, including these big-name, top-rated Medicare Advantage plan companies:

If you want a Medicare Part C plan in Ohio through one of these top providers for 2020 but don’t want to do all of the research yourself, we can help you. We know how much work it can be to do all of the legwork, so we’ve made it super-easy by doing it all for you.

Additional Ohio Medicare Part C Benefits

As mentioned above, Medicare Part A and Part B won’t cover the majority of prescriptions, so you may benefit from just paying premiums for one plan and getting both health and medicine covered. Medicare Part D prescription drug coverage is included with many plans and can add even more savings on top of doctor’s office, hospital, temporary nursing home care and other in network services.

Besides prescriptions, Medicare beneficiaries may also enjoy other perks from Medicare Part C plans in Ohio that won’t be included as benefits with Medicare Part A and Part B. These can include help with routine vision and dental, hearing tests and hearing aids, or different wellness programs.

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Ohio will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Ohio.

Other Ohio Medicare Resources

Get more information about Original Medicare from these authority resources:

Next, you can call our customer service number to speak to a licensed insurance agent. We can give you a complete description of the benefits for both Medicare Advantage plans in Ohio for 2020 and Medicare Supplement plans.