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.

Supplemental Medicare Plans in Toledo, Ohio

There are two primary Medicare options in Toledo, Ohio, in which 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.

Affordable Medicare Advantage Plans in Toledo, Ohio

86,261 Medicare users in Toledo have an Ohio Medicare Advantage plan. And those users have plenty of options to choose from, 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, UnitedHealthcare has $0 premiums and a MOOP rate of $5,900. The only significant difference is the rating, with UnitedHealthcare 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.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $5,900 LOCAL PPO N/A
UnitedHealthcare $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

Average Medicare Supplement Plans in Toledo, Ohio

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.

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

Cheapest Medicare Part D in Toledo, Ohio

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.

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
UnitedHealthcare $27.90 $310 4

Medicare Special Needs Plans in Toledo, Ohio

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.

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

FAQs

What is the best Medigap plan in Toledo, OH?

Finding Toledo’s “best” Medigap plan will depend on your specific needs and budget restrictions. However, Plan G includes several benefits, missing just a Part B deductible.

How much is a Medicare Supplement per month in Toledo, OH?

Women in Toledo can find Medicare plans with monthly premiums as low as $124.00. Meanwhile, the lowest average rate for male applicants is around $130.00.

What is the most comprehensive Medicare Supplement plan in Toledo?

No Medicare Supplement package in Toledo offers more benefits than Plan F. However, Plan F is one of the most expensive options.

What does Medicare Plan G pay for in Toledo, OH?

Medicare Plan G covers every medical cost, from emergency travel to skilled nursing care. The only standard fee you’ll need to cover with Plan G is the Part B deductible.

What is the least expensive Medigap plan in Toledo, OH?

Toledo’s cheapest Medigap option is Plan HDG, with a maximum premium of $55 and a minimum of $30. However, Plan HDF has an equally low minimum.

How to Sign Up for Supplemental Medicare 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.

Written By:
Picture of the author
Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
Picture of the expert
Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.