Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 45044, OH

With 102 Medicare Advantage options from 16 insurers, 45044, OH has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 91% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 10 hospitals within 25.0 miles, most local plan networks should offer strong provider access. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
102
Part D Plans
10
Top MA Star
4.5
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 45044, OH

Approximately 9,696 residents (15.8% of the population) in 45044, OH are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 45044, OH is $87,341 (16.2% above the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 45044, OH's 102 Medicare Advantage plans are a mix leaning toward HMO networks (62 HMO, 39 PPO). 93 plans offer $0 monthly premiums. The average local star rating is 3.7 out of 5, with the top plan earning 4.5 ★.

Top Medicare Advantage Plans in 45044, OH

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 45044, OH range from $0 to $89/month. Among rated plans, 55 plans rated 4+ stars.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Aetna Medicare Signature (PPO)Aetna Medicare4.5 ★$0.00/moPPOEnroll
Humanachoice Giveback H7617-003 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Humanachoice H7617-004 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Humana Usaa Honor Giveback With Rx (PPO)Humana4.5 ★$0.00/moPPOEnroll
Uhc Dual Complete Oh-D1 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross And Blue Shield$0.00/mo$6,7504.0 ★
Humana Gold Plus H6622-021 (HMO-POS)Humana$0.00/mo$5,2503.5 ★
Aetna Medicare Signature (PPO)Aetna Medicare$0.00/mo$4,9004.5 ★
Healthspring Preferred (HMO)Healthspring$0.00/mo$2,8753.0 ★
Uhc Dual Complete Oh-D001 (HMO D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Healthspring Preferred (HMO)Healthspring$2,875$0.00/mo3.0 ★
Medmutual Advantage Premium (PPO)Medical Mutual Of Ohio$3,450$29.60/mo4.5 ★
Medmutual Advantage Plus (HMO)Medical Mutual Of Ohio$3,600$33.40/mo4.0 ★
Medmutual Advantage Choice (HMO)Medical Mutual Of Ohio$3,800$0.00/mo4.0 ★
Mount Carmel Medigold Premier (HMO)Medigold$3,900$88.80/mo4.0 ★

Plan Type Mix in 45044, OH

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO3130.4%No referrals; in and out-of-network
HMO D-SNP1716.7%Medicare Advantage plan
HMO1615.7%Requires referrals; in-network only
HMO-POS1514.7%HMO with some out-of-network options
HMO C-SNP65.9%Medicare Advantage plan
Regional PPO43.9%Medicare Advantage plan
HMO I-SNP43.9%Medicare Advantage plan
HMO-POS D-SNP22.0%Medicare Advantage plan
PPO D-SNP22.0%Medicare Advantage plan
PPO I-SNP22.0%Medicare Advantage plan
HMO-POS I-SNP11.0%Medicare Advantage plan
PFFS11.0%Private Fee-for-Service
HMO-POS C-SNP11.0%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 45044, OH are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 45044, OH

16 insurance companies offer Medicare Advantage plans in 45044, OH. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Medical Mutual Of Ohio
Avg Star Rating
4.3 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Medmutual Advantage Classic (HMO)
$0.00/mo
$5,200
4.0 ★
HMO
Medmutual Advantage Select (PPO)
$0.00/mo
$6,775
4.5 ★
PPO
Medmutual Advantage Preferred (PPO)
$0.00/mo
$5,800
4.5 ★
PPO
Medmutual Advantage Choice (HMO)
$0.00/mo
$3,800
4.0 ★
HMO
Medmutual Advantage Premium (PPO)
$29.60/mo
$3,450
4.5 ★
PPO
Medmutual Advantage Plus (HMO)
$33.40/mo
$3,600
4.0 ★
HMO
Unitedhealthcare
Avg Star Rating
4.0 ★
13 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Care Advantage Oh-E001 (PPO I-SNP)
$0.00/mo
$4,000
4.0 ★
PPO I-SNP
Uhc Nursing Home Plan Oh-F001 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Uhc Dual Complete Oh-D1 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Uhc Complete Care Oh-18 (HMO-POS C-SNP)
$0.00/mo
$6,700
4.0 ★
HMO-POS C-SNP
Aarp Medicare Advantage From Uhc Oh-0001 (HMO-POS)
$0.00/mo
$3,900
4.0 ★
HMO-POS
Uhc Dual Complete Oh-D001 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aarp Medicare Advantage From Uhc Oh-0003 (HMO-POS)
$0.00/mo
$4,200
4.0 ★
HMO-POS
Uhc Dual Complete Oh-V001 (HMO D-SNP)
$0.00/mo
$5,800
4.0 ★
HMO D-SNP
Aarp Medicare Advantage Extras From Uhc Oh-13 (HMO-POS)
$0.00/mo
$6,700
4.0 ★
HMO-POS
Aarp Medicare Advantage Giveback From Uhc Oh-17 (HMO-POS)
$0.00/mo
$8,500
4.0 ★
HMO-POS
Aarp Medicare Advantage Essentials From Uhc Oh-7 (HMO-POS)
$0.00/mo
$5,400
4.0 ★
HMO-POS
Aarp Medicare Advantage Patriot No Rx Oh-Ma01 (PPO)
$0.00/mo
$8,500
3.5 ★
PPO
Aarp Medicare Advantage From Uhc Oh-0015 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Medigold
Avg Star Rating
4.0 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Mount Carmel Medigold Cash Back (HMO)
$0.00/mo
$7,900
4.0 ★
HMO
Mount Carmel Medigold Glory No Rx (HMO)
$0.00/mo
$4,900
4.0 ★
HMO
Mount Carmel Medigold Premium Choice (PPO)
$0.00/mo
$5,700
4.0 ★
PPO
Mount Carmel Medigold No Premium (HMO)
$0.00/mo
$4,900
4.0 ★
HMO
Mount Carmel Medigold Plus (HMO)
$20.00/mo
$4,400
4.0 ★
HMO
Mount Carmel Medigold Premier (HMO)
$88.80/mo
$3,900
4.0 ★
HMO
Caresource Mycare Ohio (Hmo D-Snp)
Avg Star Rating
4.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Caresource Mycare Ohio (HMO D-SNP)
$0.00/mo
$8,950
4.0 ★
HMO D-SNP
Anthem Blue Cross And Blue Shield
Avg Star Rating
3.9 ★
9 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Anthem I Mycare Ohio Full Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Anthem Dual Advantage (HMO D-SNP)
$0.00/mo
$6,750
N/A
HMO D-SNP
Anthem Extra Help (HMO-POS)
$0.00/mo
$7,350
4.0 ★
HMO-POS
Anthem Medicare Advantage (HMO-POS)
$0.00/mo
$6,750
4.0 ★
HMO-POS
Anthem Veteran (PPO)
$0.00/mo
$5,900
4.0 ★
PPO
Anthem Medicare Advantage (PPO)
$0.00/mo
$6,750
4.0 ★
PPO
Anthem Medicare Advantage 3 (PPO)
$0.00/mo
$6,750
4.0 ★
PPO
Anthem Veteran (REGIONAL PPO)
$0.00/mo
$4,900
3.5 ★
Regional PPO
Anthem Medicare Advantage (REGIONAL PPO)
$3.10/mo
$6,750
3.5 ★
Regional PPO
Humana
Avg Star Rating
3.7 ★
22 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humanachoice H5216-285 (PPO)
$0.00/mo
$5,500
3.5 ★
PPO
Humanachoice R0110-015 (REGIONAL PPO)
$0.00/mo
$5,700
3.5 ★
Regional PPO
Humanachoice R0110-016 (REGIONAL PPO)
$0.00/mo
$7,050
3.5 ★
Regional PPO
Humanachoice H5216-023 (PPO)
$0.00/mo
$6,550
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$7,900
3.5 ★
PPO
Humanachoice Giveback H7617-003 (PPO)
$0.00/mo
$9,150
4.5 ★
PPO
Humana Value Plus H5525-041 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5525-030 (PPO)
$0.00/mo
$3,950
3.5 ★
PPO
Humana Dual Select H5525-046 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Gold Plus Snp-De H6622-015 (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,150
3.5 ★
HMO C-SNP
Humanachoice H7617-004 (PPO)
$0.00/mo
$5,500
4.5 ★
PPO
Humana Usaa Honor Giveback With Rx (PPO)
$0.00/mo
$7,900
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$7,900
4.5 ★
PPO
Humana Gold Plus H6622-021 (HMO-POS)
$0.00/mo
$5,250
3.5 ★
HMO-POS
Humana Gold Plus Snp-De H6622-087 (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Humana Gold Choice H8145-032 (PFFS)
$0.00/mo
$3,950
3.5 ★
PFFS
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$7,900
3.5 ★
PPO
Humanachoice Giveback H5216-309 (PPO)
$0.00/mo
$9,150
3.5 ★
PPO
Humana Usaa Honor Giveback With Rx (PPO)
$0.00/mo
$7,900
3.5 ★
PPO
Humana Full Access H5525-042 (PPO)
$15.40/mo
$9,150
3.5 ★
PPO
Humana Gold Plus H6622-055 (HMO)
$16.00/mo
$6,550
3.5 ★
HMO
Aetna Medicare
Avg Star Rating
3.7 ★
12 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Signature Extra (HMO-POS)
$0.00/mo
$4,700
3.5 ★
HMO-POS
Aetna Medicare Dual Care (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Aetna Medicare Longevity (HMO I-SNP)
$0.00/mo
$9,250
3.5 ★
HMO I-SNP
Aetna Medicare Signature (HMO-POS)
$0.00/mo
$5,500
3.5 ★
HMO-POS
Aetna Medicare Enhanced (HMO-POS)
$0.00/mo
$4,150
3.5 ★
HMO-POS
Aetna Medicare Chronic Care Total (HMO C-SNP)
$0.00/mo
$9,250
3.5 ★
HMO C-SNP
Aetna Medicare Partial Dual (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,900
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$4,900
4.5 ★
PPO
Aetna Medicare Signature (HMO-POS)
$0.00/mo
$7,500
3.0 ★
HMO-POS
Aetna Medicare Chronic Care (HMO C-SNP)
$0.00/mo
$6,750
3.5 ★
HMO C-SNP
Aetna Medicare Premier (PPO)
$11.00/mo
$4,900
4.5 ★
PPO
Devoted Health
Avg Star Rating
3.5 ★
10 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Choice 001 Oh (PPO)
$0.00/mo
$5,300
3.5 ★
PPO
Devoted Choice Ma Only 002 Oh (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Devoted Choice 003 Oh (PPO)
$0.00/mo
$5,300
3.5 ★
PPO
Devoted Giveback 006 Oh (HMO)
$0.00/mo
$6,750
3.5 ★
HMO
Devoted Core 004 Oh (HMO)
$0.00/mo
$4,900
3.5 ★
HMO
Devoted Core 015 Oh (HMO)
$0.00/mo
$4,900
3.5 ★
HMO
Devoted C-Snp Premium 018 Oh (HMO C-SNP)
$0.00/mo
$5,200
3.5 ★
HMO C-SNP
Devoted C-Snp Plus 016 Oh (HMO C-SNP)
$0.00/mo
$9,250
3.5 ★
HMO C-SNP
Devoted Dual 011 Oh (HMO D-SNP)
$0.00/mo
$4,300
3.5 ★
HMO D-SNP
Devoted Dual Plus 010 Oh (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
The Health Plan
Avg Star Rating
3.5 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
The Health Plan Securechoice Optimum (PPO)
$0.00/mo
$5,900
3.5 ★
PPO
The Health Plan Securecare Snp (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
The Health Plan Securecare Integrity Plan 3 (HMO)
$0.00/mo
$6,500
3.5 ★
HMO
The Health Plan Securecare - Option Ii (HMO)
$0.00/mo
$5,000
3.5 ★
HMO
The Health Plan Securechoice - Option Ii (PPO)
$21.40/mo
$6,700
3.5 ★
PPO
Valor Health Plan
Avg Star Rating
3.5 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Valor Health Plan (HMO I-SNP)
$0.00/mo
$9,250
3.5 ★
HMO I-SNP
Healthspring
Avg Star Rating
3.0 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Healthspring Preferred Savings (HMO)
$0.00/mo
$5,825
3.0 ★
HMO
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$9,100
3.0 ★
HMO D-SNP
Healthspring Preferred (HMO)
$0.00/mo
$2,875
3.0 ★
HMO
Healthspring True Choice (PPO)
$0.00/mo
$9,250
3.0 ★
PPO
Wellcare
Avg Star Rating
3.0 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Buckeye Mycare Ohio Dual Align (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Wellcare Assist (HMO-POS)
$0.00/mo
$4,700
3.0 ★
HMO-POS
Wellcare Simple (HMO-POS)
$0.00/mo
$6,500
3.0 ★
HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$4,200
3.0 ★
HMO-POS D-SNP
Molina Healthcare Of Ohio
Avg Star Rating
3.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Molina Complete Care For Mycare Ohio (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Perennial Advantage
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Perennial Advantage Premier (HMO-POS I-SNP)
$0.00/mo
$3,900
N/A
HMO-POS I-SNP
Perennial Advantage Freedom (HMO-POS)
$0.00/mo
$3,900
N/A
HMO-POS
Perennial Advantage Strive (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP
Communicare Advantage
Avg Star Rating
N/A
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Communicare Advantage Csnp (HMO C-SNP)
$0.00/mo
$9,250
N/A
HMO C-SNP
Communicare Advantage Isnp (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP
Unitedhealthcare Community Plan
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Dual Complete Oh-S2 (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 10 standalone Part D plans in 45044, OH, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 2 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 45044, OH

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 45044, OH range from $0 to $123/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$7.60/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$7.70/mo$615Enroll
Humana Value Rx Plan (PDP)Humana3.0 ★$23.70/mo$601Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$90.30/mo$615Enroll
Humana Basic Rx Plan (PDP)Humana3.0 ★$0.00/mo$615Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Humana Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★
Wellcare Value Script (PDP)Wellcare$7.60/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$7.70/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$23.70/mo$6013.0 ★
Healthspring Extra Rx (PDP)Healthspring$65.70/mo$6152.5 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$117.60/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$123.40/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$23.70/mo3.0 ★
Humana Basic Rx Plan (PDP)Humana$615$0.00/mo3.0 ★
Wellcare Value Script (PDP)Wellcare$615$7.60/mo3.5 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 45044, OH

5 insurance companies offer standalone Part D drug plans in 45044, OH. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
2 plans
From $7.60/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Value Script (PDP)
$7.60/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$7.70/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
3 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$23.70/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$117.60/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
1 plans
From $90.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$90.30/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
2 plans
From $65.70/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Extra Rx (PDP)
$65.70/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$109.50/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
2 plans
From $73.70/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$73.70/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$123.40/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 45044, OH?

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Pharmacy Access in 45044, OH

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 45044, OH.

Total Pharmacies

17
within 5.0 miles

Chain Pharmacies

10
CVS, Walgreens, etc.

Independent Pharmacies

7
locally owned
PharmacyAddress & PhoneDistanceType
KROGER LIMITED PARTNERSHIP I3033 HERITAGE GREEN DR MONROE, OH 450501783📞 513-372-74401.4 miChain
KROGER LIMITED PARTNERSHIP I428 OXFORD STATE RD MIDDLETOWN, OH 450447434📞 513-342-70972.4 miChain
WASO HEALTHCARE LLC4421 ROOSEVELT BLVD MIDDLETOWN, OH 450449023📞 513-370-62522.9 miIndependent
OHIO CVS STORES LLC820 S BREIEL BLVD MIDDLETOWN, OH 450446204📞 513-342-49113.0 miChain
WALGREEN CO700 S BREIEL BLVD MIDDLETOWN, OH 450446202📞 513-342-87023.1 miChain
KRATZER PHARMACY INC711 S BREIEL BLVD MIDDLETOWN, OH 450446201📞 513-321-62223.1 miIndependent
BUTLER COUNTY COMMUNITY HEALTH CONSORTIUM1036 SOUTH VERITY PARKWAY MIDDLETOWN, OH 450445513📞 513-321-89003.2 miIndependent
TARGET CORPORATION6775 ROOSEVELT PKWY MIDDLETOWN, OH 450448946📞 513-342-73133.4 miChain
WAL-MART STORES EAST LP2900 TOWNE BLVD MIDDLETOWN, OH 450446200📞 513-342-48823.4 miChain
KROGER LIMITED PARTNERSHIP I3420 TOWNE BLVD MIDDLETOWN, OH 450055506📞 513-321-21503.6 miChain

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 45044, OH

Before choosing a plan, consider the healthcare infrastructure in 45044, OH. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

10
within 25.0 miles

Top-Rated Hospitals near 45044, OH

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 45044, OH — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
West Chester Hospital3 ★7.3 mi162
Fort Hamilton Hughes Memorial Hospital3 ★10.7 mi220
Mercy Health - Fairfield Hospital3 ★12.8 mi271
Kettering Health Miamisburg3 ★14.6 mi190
Bethesda North3 ★14.8 mi465
The Jewish Hospital-Mercy Health3 ★17.8 mi209
Kettering Health Main Campus3 ★19.0 mi494
Beckett SpringsNot Rated9.3 mi60
Lindner Center Of HopeNot Rated9.9 mi32
Assurance Health Cincinnati LlcNot Rated12.5 mi28

View all 10 hospitals near 45044, OH to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 45044, OH.

Questions to ask your doctor about Medicare coverage →

Telehealth in 45044, OH: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 45044, OH. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 45044, OH

Fiber Available
39.2%
of households
Cable/DSL Available
99.5%
of households
Top Provider
Alta Fiber
42.7% coverage
No Broadband
2.3%
of households

Internet coverage data from ISP Reports. View full internet report for 45044, OH.

Medicare-Relevant Demographics in 45044, OH

Understanding 45044, OH's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
61,375
Population 65+
9,696
15.8% of total
Median Age
37
0.8 years younger than the national average
Median Income
$87,341
16.2% above the National Average
On Medicare
7,970
13.0% of residents
On Medicaid
13,093
21.3% of residents
Uninsured
5,856
9.5% of residents
Social Security Recipients
18,858
30.7% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 45044, OH demographics (BestNeighborhood.org).

Community Health in 45044, OH

CDC PLACES population-health estimates for 45044, OH. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
13.7%
of adults · US avg 12.1%
Heart Disease
7.0%
coronary heart disease · US avg 6.2%
High Blood Pressure
36.8%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 45044, OH

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 45044, OH

Medicare-enrolled doctors practicing in or near 45044, OH, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 45044, OH →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 45044, OH →

Local Medicare FAQ: 45044, OH

Common decision points based on 45044, OH's specific plan market and local healthcare landscape.

How does 45044, OH's Medicare Advantage market compare?

45044, OH has 102 Medicare Advantage plans from 16 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 62 HMO and 39 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 45044, OH?

With 10 hospitals within 25.0 miles, 45044, OH has strong provider density. HMO plans (62 available) typically have lower premiums but require referrals and in-network care. PPO plans (39 available) offer more flexibility to see out-of-network providers at higher cost. In 45044, OH, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 45044, OH?

93 plans (91% of available options) in 45044, OH charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 45044, OH, maximum out-of-pocket limits range from $2,875 to an average of $6,816. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 45044, OH beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 10 standalone Part D plans in 45044, OH.

What this means locally:

  • Cost predictability — No matter which of the 10 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 2 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile → • LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 45044, OH from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 45044, OH from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 45044, OH from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 45044, OH from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology → • Privacy policy

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