Lucas County, Ohio: health insurance
What Lucas County residents should know about Medicare, marketplace plans and Medicaid.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Ohio Medicaid: Ohio Department of Medicaid · 1-800-324-8680 (Ohio Medicaid Consumer Hotline) · medicaid.ohio.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Lucas County at a glance
| State | Ohio |
|---|---|
| Population (2023 est.) | 425,484 |
| Population rank in Ohio | 6 of 88 |
| Land area | 340 square miles |
| Major cities | Toledo |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Medicare plans leaving Lucas County for 2027
33 Medicare plans from 9 companies are listed in Lucas County for 2026 but not for 2027, covering at least 20,893 people enrolled in the plans below today.
- HealthSpring Extra Rx (PDP) (S5617-364, Cigna HealthSpring (HCSC))
- HealthSpring Assurance Rx (PDP) (S5617-068, Cigna HealthSpring (HCSC))
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Paramount Elite Standard (HMO-POS) H3653-015 | MEDICAL MUTUAL OF OHIO | 3,964 |
| Paramount Elite Enhanced (HMO-POS) H3653-004 | MEDICAL MUTUAL OF OHIO | 2,897 |
| MedMutual Advantage Signature (HMO-POS) H6723-006 | MEDICAL MUTUAL OF OHIO | 1,865 |
| Paramount Elite Prime (HMO-POS) H3653-022 | MEDICAL MUTUAL OF OHIO | 1,744 |
| Aetna Medicare Dual Care (HMO D-SNP) H0628-013 | Aetna (CVS Health) | 1,468 |
| UHC Dual Complete OH-S3 (HMO-POS D-SNP) H1285-002 | UnitedHealthcare | 1,355 |
| UHC Dual Complete OH-D002 (HMO-POS D-SNP) H5322-028 | UnitedHealthcare | 1,301 |
| Paramount Elite Preferred (PPO) H5232-001 | MEDICAL MUTUAL OF OHIO | 980 |
| Humana Gold Plus SNP-DE H6622-087 (HMO D-SNP) H6622-087 | Humana | 800 |
| HumanaChoice Giveback H7617-003 (PPO) H7617-003 | Humana | 679 |
| Aetna Medicare Partial Dual (HMO D-SNP) H0628-041 | Aetna (CVS Health) | 474 |
| Humana Gold Plus SNP-DE H6622-015 (HMO D-SNP) H6622-015 | Humana | 429 |
Show 19 more plans
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Aetna Medicare Signature (HMO-POS) H3931-109 | Aetna (CVS Health) | 409 |
| Humana USAA Honor Giveback with Rx (PPO) H5216-307 | Humana | 384 |
| Humana USAA Honor Giveback with Rx (PPO) H7617-060 | Humana | 293 |
| HumanaChoice Giveback H5216-309 (PPO) H5216-309 | Humana | 287 |
| Wellcare Simple (HMO-POS) H0908-003 | Wellcare / Ambetter (Centene) | 281 |
| UHC Dual Complete OH-D1 (PPO D-SNP) H2001-058 | UnitedHealthcare | 251 |
| DEVOTED DUAL PLUS 010 OH (HMO D-SNP) H2697-010 | Devoted Health | 247 |
| Humana Dual Select H5525-046 (PPO D-SNP) H5525-046 | Humana | 152 |
| Mount Carmel MediGold No Premium (HMO) H3668-020 | Trinity Health | 137 |
| UHC Dual Complete OH-V002 (HMO-POS D-SNP) H5322-034 | UnitedHealthcare | 104 |
| Mount Carmel MediGold Cash Back (HMO) H3668-030 | Trinity Health | 83 |
| Wellcare Dual Reserve (HMO-POS D-SNP) H0908-006 | Wellcare / Ambetter (Centene) | 80 |
| Wellcare Dual Access (HMO-POS D-SNP) H0908-001 | Wellcare / Ambetter (Centene) | 78 |
| DEVOTED DUAL 011 OH (HMO D-SNP) H2697-011 | Devoted Health | 60 |
| Wellcare Assist (HMO-POS) H0908-004 | Wellcare / Ambetter (Centene) | 52 |
| Mount Carmel MediGold Choice (PPO) H1846-006 | Trinity Health | 39 |
| Humana Value Plus H5525-041 (PPO) H5525-041 | Humana | 10 or fewer |
| Mount Carmel MediGold Glory No RX (HMO) H3668-013 | Trinity Health | 10 or fewer |
| SummaCare Medicare Amber (HMO) H3660-052 | Summa Health | 10 or fewer |
See which companies have plans leaving across Ohio: Ohio Medicare plans ending for 2027 →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Is your plan on this list? Call 855-367-1095 and we will look at what is available where you live, with no obligation to enroll.
Why your county matters for coverage
In Ohio, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Lucas County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: OSHIIP (Ohio Senior Health Insurance Information Program) gives free, unbiased counseling at 1-800-686-1578. Ask which plans serve Lucas County specifically.
- Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your Lucas County ZIP code to see what is offered.
- Medicaid: apply through Ohio Department of Medicaid.
Ohio note: Ohio's Medicare counseling program, OSHIIP, is run directly by the state insurance regulator rather than a separate aging agency, so the Ohio Department of Insurance is a useful single point of contact for both Medicare questions and general insurance complaints.
Questions about Lucas County
Are the same Medicare plans offered everywhere in Ohio?
No. Plans are offered by service area. A plan available in one county may not be offered in Lucas County, so check by county.
Where do Lucas County residents get free Medicare counseling?
OSHIIP (Ohio Senior Health Insurance Information Program) (1-800-686-1578) is Ohio's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Lucas County residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeOther large counties
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.