Key takeaways
- All 4 MediGold plans sold in Wood County and Lucas County in 2026 have no 2027 plan in either county, according to the CMS plan crosswalk for 2027.
- Two plans are terminated outright; two continue in other Ohio counties after a service area reduction that drops Wood and Lucas.
- Your MediGold coverage runs through December 31, 2026. Pick a new plan by December 7 and it starts January 1, 2027.
- Miss that date and you can still switch from December 8 to the last day of February 2027, but until you do you are in Original Medicare with no drug plan.
- Wood County has 72 Medicare Advantage plans with drug coverage for 2027 and Lucas County has 76, per the CMS Contract Year 2027 landscape.
Is MediGold leaving Wood and Lucas County?
Yes. MediGold will not sell any Medicare Advantage plan in Wood County or Lucas County, Ohio, for 2027. The CMS plan crosswalk for 2027 (the file CMS publishes each fall showing what happens to every plan) lists all four MediGold plans offered in these two counties in 2026 as either terminated or renewing only in a smaller service area that leaves Wood and Lucas out. The CMS Contract Year 2027 landscape has no MediGold row for either county.
MediGold is the Medicare Advantage brand of Mount Carmel Health Plan, part of Trinity Health, as listed in the CMS landscape file. A Medicare Advantage plan (Part C) is a private plan that replaces Original Medicare for your hospital and doctor coverage and usually includes drug coverage (Part D). When the plan leaves your county, your coverage does not move with you. You need a new plan.
This page covers Wood County (FIPS 39173: Perrysburg, Bowling Green, Rossford, Northwood) and Lucas County (FIPS 39095: Toledo, Maumee, Sylvania, Oregon). Every number below was pulled from the CMS files on October 26, 2026, and each table names its source.
Which MediGold plans are ending in Wood and Lucas County?
Four MediGold plans were sold in each county in 2026, the same four in both. None of them has a 2027 version available to a Wood or Lucas County address. Two are terminated (CMS status "Terminated/Non-renewed Contract"). The other two are renewing with a service area reduction: the plan keeps going in other counties, but Wood and Lucas are no longer in its service area.
For you, the result is the same either way. If your card says one of the plan names below and you live in Wood or Lucas County, that plan ends for you on December 31, 2026.
| 2026 plan (contract-plan ID) | Type | 2026 monthly premium | 2026 out-of-pocket max | 2026 CMS rating | 2027 status (CMS crosswalk) | Offered in Wood or Lucas in 2027? |
|---|---|---|---|---|---|---|
| Mount Carmel MediGold Choice (PPO) (H1846-006) | PPO | $0 | $5,700 | 4.0 stars | Terminated (non-renewed contract) | Not offered in either county |
| Mount Carmel MediGold No Premium (HMO) (H3668-020) | HMO | $0 | $4,900 | 4.5 stars | Terminated (non-renewed contract) | Not offered in either county |
| Mount Carmel MediGold Cash Back (HMO) (H3668-030) | HMO | $0 | $7,900 | 4.5 stars | Renewal with a service area reduction | Continues elsewhere, not in Wood or Lucas |
| Mount Carmel MediGold Glory No RX (HMO) (H3668-013) | HMO, no drug coverage | $0 | $4,900 | 4.5 stars | Renewal with a service area reduction | Continues elsewhere, not in Wood or Lucas |
Source: CMS PlanCrosswalk2027 (plan year 2026 to 2027); CMS CY2026 landscape for premiums, out-of-pocket maximums and 2026 overall star ratings; CMS CY2027 landscape (no MediGold rows for Wood or Lucas). Read October 26, 2026. Every year, Medicare evaluates plans based on a 5-star rating system.
These were 4 and 4.5 star plans in 2026. A plan can leave a county for business reasons that have nothing to do with its rating, so a high star rating is not a promise the plan stays next year.
What happens if you do nothing?
You go back to Original Medicare on January 1, 2027, and you have no drug coverage. A lot of people think a plan that is leaving will "roll" them into something similar. It won’t. The crosswalk shows no successor plan in Wood or Lucas for any of the four. CMS says it plainly: you are enrolled in Original Medicare if you don’t join another Medicare Advantage Plan before your current plan ends.
Original Medicare (Part A and Part B) still covers hospital and doctor care, so you are not uninsured. But it has no yearly out-of-pocket limit on its own, and a gap of 63 days or more without creditable drug coverage can add a Part D late enrollment penalty for life (there are exceptions to this).
- Coverage through MediGold continues as normal until December 31, 2026. Keep using it.
- Any extra benefits that came with your MediGold plan end with the plan.
- If you were on MediGold Glory No RX, the plan with no drug coverage, you may have a separate Part D plan. Check whether it continues for 2027 before you choose a replacement, so you do not end up with two drug plans or none.
Your deadlines: December 7 and the end of February
You have two windows. The Annual Enrollment Period runs October 15 to December 7, 2026. Anything you choose in that window starts January 1, 2027, so there is no gap. That is the window to aim for.
Because your plan is not renewing, you also get a Special Enrollment Period from December 8, 2026 through the last day of February 2027, according to CMS’s Special Enrollment Periods page. It is a safety net, not a plan. A choice made in January generally starts the first of the next month, which leaves you in Original Medicare without a drug plan in the meantime.
| If you choose a new plan… | Window | New coverage starts |
|---|---|---|
| Between October 15 and December 7, 2026 | Annual Enrollment Period | January 1, 2027 (no gap) |
| Between December 8 and December 31, 2026 | Special Enrollment Period (non-renewal) | Generally January 1, 2027 |
| Between January 1 and the last day of February 2027 | Special Enrollment Period (non-renewal) | Generally the first day of the month after you enroll |
| After February 2027 | No non-renewal window left | Wait for another enrollment period |
Source: CMS: Joining a plan and CMS: Special Enrollment Periods, read October 26, 2026.
How the Wood and Lucas County Medicare market changes for 2027
MediGold is not the only change. Across both counties, the number of Medicare Advantage plans with drug coverage drops by 12 in each county. The CMS plan crosswalk for 2027 shows 13 terminated Special Needs Plans for people with both Medicare and Medicaid (D-SNPs) in each county, partly offset by new ones. At the same time, more plans charge a $0 monthly premium. The average out-of-pocket maximum goes up, so a $0 premium plan can still mean more of the bill falls on you if you get sick.
The table compares 2026 and 2027 for each county. "Out-of-pocket max" is the most you pay in a year for covered in-network medical care before the plan pays 100%. These counts include Special Needs Plans, so they run higher than the plan counts on the Wood County and Lucas County guides, which leave Special Needs Plans out of the headline number.
| County | Plans 2026 | Plans 2027 | $0 premium 2026 | $0 premium 2027 | Average out-of-pocket max 2026 | Average out-of-pocket max 2027 |
|---|---|---|---|---|---|---|
| Wood County (39173) | 84 | 72 | 35 | 43 | $6,591 | $6,975 |
| Lucas County (39095) | 88 | 76 | 38 | 45 | $6,577 | $6,977 |
Source: CMS CY2026 landscape and CMS CY2027 landscape, read October 26, 2026. Counts include Medicare Advantage plans with drug coverage and Special Needs Plans; plans without drug coverage are not counted.
$0 premium plans in Wood and Lucas with the lowest out-of-pocket limits for 2027
All four MediGold plans had a $0 monthly premium in 2026, so the natural question is what else costs $0 a month. The CMS Contract Year 2027 landscape lists the same group of $0 plans in both counties. The eight below have drug coverage and the lowest out-of-pocket maximums among the $0 plans that are not Special Needs Plans. You still pay your Part B premium with any of them.
This is a starting list, not a recommendation. The lowest out-of-pocket limit means nothing if your cardiologist is not in the network or your prescriptions sit on a high tier. Kris checks your doctors and drug list against each plan before she suggests anything.
| Plan | Company | Type | 2027 out-of-pocket max | 2027 Part D deductible | 2027 CMS rating |
|---|---|---|---|---|---|
| DEVOTED CORE 022 OH (HMO) | Devoted Health | HMO | $4,750 | $650 | 4.0 stars |
| DEVOTED CORE 001 OH (HMO) | Devoted Health | HMO | $4,900 | $650 | 4.0 stars |
| Perennial Advantage Freedom (HMO-POS) | Perennial Advantage | HMO-POS | $4,900 | $350 | Not rated |
| SummaCare Medicare Quartz (HMO) | SummaCare | HMO | $5,200 | $410 | 4.0 stars |
| MedMutual Advantage Elite Standard (HMO-POS) | Medical Mutual of Ohio | HMO-POS | $5,200 | $380 | 3.5 stars |
| DEVOTED CHOICE 001 OH (PPO) | Devoted Health | PPO | $5,300 | $650 | 4.5 stars |
| DEVOTED CHOICE 003 OH (PPO) | Devoted Health | PPO | $5,300 | $650 | 4.5 stars |
| MedMutual Advantage Elite Preferred (PPO) | Medical Mutual of Ohio | PPO | $5,300 | $300 | 4.5 stars |
Source: CMS CY2027 landscape (premium, out-of-pocket maximum, Part D deductible) and the CMS 2027 Star Ratings data, read October 26, 2026. Sorted by out-of-pocket maximum. Kryder Cares does not represent every plan listed. Every year, Medicare evaluates plans based on a 5-star rating system.
Drug coverage costs more to start in 2027
Whatever you pick, plan for a higher drug deductible. Under the CMS CY2027 Rate Announcement, the most a Part D plan can charge as a deductible rises from $615 in 2026 to $700 in 2027, and the yearly out-of-pocket cap on covered drugs rises from $2,100 to $2,400. The MediGold plans had deductibles of $150 to $250 in 2026; several of the $0 plans in the table above carry $650 deductibles for 2027.
That is why the drug list matters more than the premium. Two plans with the same $0 premium can differ by hundreds of dollars a year once your actual prescriptions are priced. Send Kris your list on the drug lookup page and she will compare it plan by plan.
Medicare Advantage or a Medicare Supplement?
Leaving a plan is a good moment to ask whether Medicare Advantage is still the right path. Many people sign up for Medicare Advantage plans thinking they are Medicare Supplement plans. They are not. A Medicare Supplement (Medigap) works with Original Medicare, lets you see any provider that accepts Medicare, and needs a separate Part D plan. It has a monthly premium, and you usually have to answer health questions to buy one.
When your Medicare Advantage plan stops giving care in your area, you have a guaranteed issue right: an insurance company must sell you Medigap Plan A or B, plus Plan C or F if you were eligible for Medicare before January 1, 2020, or Plan D or G if you are new to Medicare since then, without health questions, if you switch to Original Medicare. You can apply by the date in your termination notice and no more than 63 days after your Medicare Advantage coverage ends, according to the Medicare guide Choosing a Medigap Policy (pages 15 to 18). The right does not apply if you join another Medicare Advantage plan instead.
That window is short and it does not come back, so Kris checks it with you before you decide. Read the Medigap vs. Medicare Advantage comparison for the trade-offs.
Why a local agent matters when your plan leaves
Should you handle a carrier exit alone? You can. But a plan change is where small details cost money: a specialist who is in one network and not the next, a drug that moves to a higher tier, a deadline that passes in the middle of the holidays.
Kris has worked with Medicare clients in northwest Ohio since 2017. Her clients’ Google reviews (5.0 stars from 91 reviews when we read them on October 25, 2026) describe habits like these: she checks every doctor and prescription before suggesting a plan, she verifies details with Medicare on the client’s behalf, and she catches drug coverage problems before they show up at the pharmacy counter. That is the work a non-renewal letter calls for.
A lot of people think the replacement plan has to come from the same company. It doesn’t. Your choice is open to any plan sold in your county, and to a Medicare Supplement if you qualify. MediGold also leaves Hancock County for 2027 under the same CMS data, so Findlay-area members face the same decision.
What MediGold members should do this week
Start now, not in December. The calendar fills up and a late choice is a rushed choice. (Not sure what your letter means? Read got a letter saying your Medicare plan is ending.) Here is the order Kris works through with clients leaving a plan:
- Find your non-renewal letter and your current MediGold card. The plan name on the card tells you which row in the table above is yours.
- Write down every doctor, specialist and hospital you use, including ProMedica or Mercy Health locations. Networks differ by plan.
- Make a drug list with doses. This is the biggest cost difference between plans.
- Decide whether you want to stay with Medicare Advantage or look at a Medicare Supplement plus a drug plan.
- Enroll by December 7, 2026 so your new plan starts January 1 with no gap.
She checks your doctors and prescriptions against each plan she represents, compares them side by side, and fills out the application with you, at the Perrysburg office or at your home. Request a comparison or call (419) 277-8097.
What to watch for next
Four dates matter between now and spring. We update this page as each one lands.
- December 7, 2026: the Annual Enrollment Period closes.
- Mid-November 2026: CMS publishes the 2027 Part B premium and deductible. Until then, the 2027 amounts are pending.
- January 1, 2027: new plans start; MediGold coverage in Wood and Lucas ends the night before.
- Last day of February 2027: the non-renewal Special Enrollment Period ends.
Sources
- CMS Medicare Advantage and Part D plan crosswalks (PlanCrosswalk2027, plan year 2026 to 2027)
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 (zip)
- CMS Medicare Advantage and Part D Landscape, Contract Year 2026 (zip)
- CMS CY2027 Rate Announcement (Part D deductible and out-of-pocket threshold)
- CMS: Special Enrollment Periods
- CMS: Joining a plan
- CMS: Avoid late enrollment penalties
- CMS: Choosing a Medigap Policy (guaranteed issue rights, pages 15 to 18)
- CMS Part C and D performance data (Star Ratings data tables)
We do not offer every plan available in your area. Currently we represent 14 organizations which offer 119 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at www.medicare.gov.
This article is general education, not a recommendation for any specific plan. Figures were current as of October 26, 2026; plan details change every year.