Best Cheap Medicare Plans in Ohio
Devoted Health sells the best cheap Medicare Advantage plans in Ohio.
Compare Medicare Plans in Your Area
The company offers five high-quality Medicare Advantage plans in Ohio. And its average rate is just $1 per month, making it a great choice for budget shoppers.
The average cost of a Medicare Advantage plan in Ohio is $32 per month, but everyone in the state has access to a $0-per-month plan.
ValuePenguin chose the best Medicare Advantage plans in Ohio based on a review of all companies in the state that offer plans with prescription drug coverage. Our experts reviewed average rates, Medicare star ratings, availability, plan benefits and extra perks.
See our full methodology.
What are the best Medicare Advantage plans in Ohio?
Devoted Health, AARP/UnitedHealthcare (AARP/UHC) and The Health Plan sell the best Medicare Advantage plans in Ohio.
These companies have good rates, high customer satisfaction and are available across most of the state. Other good choices include MediGold, PrimeTime and SummaCare.
Company | Monthly cost | Rating | |
|---|---|---|---|
| Devoted Health | $1 | |
| MediGold | $25 | |
| The Health Plan | $36 | |
| PrimeTime | $48 | |
| SummaCare | $50 | |
Compare Medicare Plans in Your Area
Devoted Health: Best overall
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Overall rating
- Average monthly cost: $1
Devoted Health has cheap rates and a high-quality rating on Medicare.gov.
Pros
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Most plans are free
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Highly-rated plans
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Most people in Ohio can get a plan
Cons
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Medications can be expensive
Devoted Health sells five plans in Ohio: Choice, Choice Extra, Core, Giveback and Premium. Choice, Choice Extra, Core and Giveback are all free Medicare Advantage plans, although you will still pay the standard $185 each month for Medicare Part B.
The Devoted Health Choice or Choice Extra plans are best if you want the flexibility to choose your doctors. That's because they're both PPO plans. PPOs let you use any doctor and still have some coverage, but you'll pay more to see doctors who aren't in the network. And you can see a specialist without a referral. You have to pay the first $590 for your prescriptions, though. And you could pay up to $5,300 in medical bills each year before the plan begins to cover all your health care costs.
Devoted Health's Medicare Advantage plans include several extra perks. Your plan might have dental, vision and hearing coverage, a free gym membership and a rewards program.
If you tend to have high medical costs, the Devoted Health Premium plan is the best option. It costs $6 per month, but it pays for more of your medical bills than Devoted Health's free plans. The most you might pay in a year for medical care is $4,500. After you hit that amount, the plan pays for all of your covered care. Keep in mind that Premium is an HMO, so you have to stay within the doctor network to have coverage. You also have to get specialist visits approved by your primary care doctor.
About 92% of people who are eligible for Medicare in Ohio can get a Devoted Health plan. Devoted Health sells Medicare Advantage plans in 70 of Ohio's 88 counties.
- Adams
- Allen
- Ashland
- Auglaize
- Brown
- Butler
- Carroll
- Champaign
- Clark
- Clermont
- Clinton
- Columbiana
- Coshocton
- Crawford
- Cuyahoga
- Darke
- Defiance
- Delaware
- Erie
- Fairfield
- Fayette
- Franklin
- Fulton
- Geauga
- Greene
- Guernsey
- Hamilton
- Hancock
- Hardin
- Henry
- Highland
- Hocking
- Holmes
- Huron
- Lake
- Licking
- Logan
- Lorain
- Lucas
- Madison
- Mahoning
- Marion
- Medina
- Mercer
- Miami
- Montgomery
- Morrow
- Ottawa
- Paulding
- Perry
- Pickaway
- Portage
- Preble
- Putnam
- Richland
- Ross
- Sandusky
- Seneca
- Shelby
- Stark
- Summit
- Trumbull
- Tuscarawas
- Union
- Van Wert
- Vinton
- Warren
- Wayne
- Wood
- Wyandot
AARP/UnitedHealthcare (AARP/UHC): Best for perks
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Overall rating
- Average monthly cost: $20
AARP/UnitedHealthcare sells plans with plenty of added benefits.
Pros
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Most plans are free
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Offers helpful extra perks
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Available throughout Ohio
Cons
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Lower customer satisfaction than some competitors
AARP/UnitedHealthcare plans come with lots of extra benefits. And most plans don't have any monthly rate, which makes them a great value. You don't have to be an AARP member to sign up for an AARP/UnitedHealthcare Medicare Advantage plan.
Extra perks include rewards for healthy activities, money for over-the-counter health products like bandages and cold medicine, and $0 virtual care. Your plan might also let you get some lab tests, like blood work, for free. Most plans include dental, hearing and vision coverage. Perks are different depending on the plan you buy, so be sure to review your plan documents.
AARP/UnitedHealthcare uses numbers, instead of names, to its Medicare Advantage plans in Ohio. Some plans, like 0004, have four numbers. Others are a combination of the state abbreviation and a number, like the OH-9 plan.
AARP/UHC Plan 0004 is a good choice if you travel often. You can see any doctor and still have some coverage because it's a PPO. And it doesn't have a monthly rate, which is unusual for PPO plans. It may not be the best plan if you have high medical costs, though. You could pay up to $5,900 each year for medical care, which is a higher out-of-pocket maximum than many other plans.
AARP/UnitedHealthcare sells Medicare Advantage plans in every county in Ohio.
The Health Plan: Best for $0 plans
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Overall rating
- Average monthly cost: $36
The Health Plan sells highly-rated $0 Medicare Advantage plans in Ohio.
Pros
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Two-thirds of plans are free
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Highly-rated customer service
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Most people can buy a plan
Cons
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Might be hard to get tests and see specialists
The Health Plan sells two of the most highly-rated $0 Medicare Advantage plans in Ohio. The two free plans are called Option II and Optimum. Along with having no monthly rate, they also cover your prescriptions right away because they don't have a drug deductible.
The Health Plan has an overall rating of 4.5 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS). The company has a perfect 5-star rating for customer service. Choosing a company with good service can help you get questions and issues resolved faster when they do arise.
But The Health Plan ranks poorly for getting certain medical care for its members. Members only gave it a 2.5 out of 5-star rating for getting medical tests and appointments with doctors and specialists. This might not be an issue if you're mostly healthy, but if you have serious health issues, The Health Plan probably isn't a good option.
The Health Plan sells Medicare Advantage plans in 78 of Ohio's 88 counties. About 9 in 10 people in Ohio who can get Medicare can buy coverage from The Health Plan.
- Adams
- Allen
- Ashland
- Ashtabula
- Athens
- Auglaize
- Belmont
- Brown
- Butler
- Carroll
- Champaign
- Clark
- Clermont
- Clinton
- Columbiana
- Coshocton
- Crawford
- Cuyahoga
- Darke
- Delaware
- Fairfield
- Fayette
- Franklin
- Fulton
- Gallia
- Geauga
- Greene
- Guernsey
- Hamilton
- Hardin
- Harrison
- Henry
- Highland
- Hocking
- Holmes
- Jackson
- Jefferson
- Knox
- Lake
- Lawrence
- Licking
- Logan
- Lorain
- Madison
- Mahoning
- Medina
- Meigs
- Mercer
- Miami
- Monroe
- Montgomery
- Morgan
- Morrow
- Muskingum
- Noble
- Ottawa
- Paulding
- Perry
- Pickaway
- Pike
- Portage
- Preble
- Putnam
- Richland
- Ross
- Scioto
- Seneca
- Shelby
- Stark
- Summit
- Trumbull
- Tuscarawas
- Van Wert
- Vinton
- Warren
- Washington
- Wayne
- Wyandot
How to enroll in a Medicare Advantage plan in Ohio
If you want to buy a Medicare Advantage plan in Ohio, you first have to sign up for Medicare. Then you can shop around and pick a Medicare Advantage plan that works for your needs.
Check if you're eligible. Most people can get Medicare at age 65, but you can also qualify if you have a disability, end-stage kidney disease or Lou Gehrig's disease. To get Medicare, apply for benefits through the Social Security Administration. After this, you'll get your Medicare card and number.
Understand the types of Medicare. Medicare has two main parts: A and B. Part A covers hospitalization and Part B covers outpatient health care, like doctor visits. Together, these two coverage types are called Original Medicare. A Medicare Advantage plan bundles Parts A and B together and usually has drug coverage and extra benefits.
Shop for Medicare Advantage. If you want a Medicare Advantage plan, you can shop for plans on Medicare.gov. You can even put in your prescription medications to make sure you pick a plan that covers them. Review the plans in your area and look at cost, coverage, customer service and extra perks to find the right option for you.
Apply for a plan. You can apply for a plan directly on Medicare.gov. You usually have to sign up between Oct 15 and Dec. 7, which is open enrollment. You'll need to enter the number from your Medicare card to show that you're eligible.
If you need help, the Ohio Department of Insurance offers free assistance and information to help you get the coverage you need.
Ohio Medicare Advantage statistics
Medicare-eligible residents in Ohio: 2,280,705
Medicare Advantage enrollees in Ohio: 1,318,247
Number of Medicare Advantage companies in Ohio: 19
Average monthly cost of Medicare Advantage in Ohio: $32
Frequently asked questions
Which company has the best Medicare Advantage plans in Ohio?
Devoted Health has the best Medicare Advantage plans in Ohio. It has a 4.5-star rating from the Centers for Medicare &
Are Medicare Advantage plans good in Ohio?
Yes, Ohio has several highly-rated Medicare Advantage plans, and many plans have cheap monthly rates and good customer service. However, a Medicare Advantage plan might not be the best choice for you if you have high medical costs. In that case, Original Medicare and a Medicare Supplement plan could be a better deal.
How much does Medicare Advantage cost in Ohio?
The average cost for a Medicare Advantage plan with drug coverage in Ohio is $32 per month. Prices range from $0 to $295 per month. But no matter where you live in the state, you can get a plan with no monthly rate. Keep in mind that you still have to pay for Medicare Part B, which costs $185 per month in 2025.
Methodology and sources
ValuePenguin's 2025 Ohio Medicare Advantage rates are from the Centers for Medicare & Medicaid Services (CMS) public use files. Using this data, our experts calculated average rates based on all Medicare Advantage plans in Ohio with prescription drug coverage. Star ratings, availability, plan benefits and extra perks were also used to determine the best companies. The percentage of the Medicare-eligible population each plan is available to is based on the University of Iowa's data on the Medicare eligible population of each county in Ohio.
This analysis excludes employer and group plans, Medicare-Medicaid Plans (MMPs), Medical Savings Account (MSA) plans, Program of All-Inclusive Care for the Elderly (PACE) plans, prepayment plans (HCPPs), sanctioned plans and Special Needs Plans (SNPs).
About the Author
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
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- BA, Theatre, Purdue University
- BA, English, Indiana University
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