Medical Mutual Medicare Advantage Plans 2027: MedMutual Advantage Ratings, Plans and Counties

KEY TAKEAWAY

Medical Mutual of Ohio sells MedMutual Advantage HMO, HMO-POS and PPO plans in 38 Ohio counties for 2027. One of its two Medicare Advantage contracts earned 4.5 stars in the 2027 ratings, released October 8, 2026, putting it among the higher-rated options in Ohio.

Why the 4.5-star contract matters

Contracts rated 4 stars or higher earn quality bonus payments from CMS, which plans generally use to fund extra benefits. The 2027 ratings set those bonuses for 2028, so a 4.5-star contract is a good sign for benefit stability a year from now. A contract below 4 stars does not earn the bonus.

Ashland, Brown, Butler, Clark, Clermont, Columbiana, Cuyahoga, Delaware, Erie, Fairfield, Franklin, Fulton, Geauga, Greene, Hamilton, Hocking, Lake, Licking, Lorain, Lucas, Madison, Mahoning, Medina, Miami, Montgomery, Morrow, Ottawa, Perry, Pickaway, Portage, Sandusky, Stark, Summit, Trumbull, Union, Warren, Wayne and Wood.

The travel benefit is the one to notice

Most single-state carriers leave you exposed once you cross the state line. Medical Mutual’s out-of-state travel coverage matters if you winter in Florida or visit family elsewhere. Read exactly what it covers in your plan’s Evidence of Coverage before you count on it.

➤ Does Medical Mutual offer Medicare Advantage plans in 2027?

Yes. Medical Mutual of Ohio offers MedMutual Advantage HMO, HMO-POS and PPO plans for 2027 in 38 Ohio counties, all with Part D drug coverage. Enrollment runs October 15 through December 7, 2026, for coverage starting January 1, 2027.

➤ What is Medical Mutual’s star rating for 2027?

Medical Mutual of Ohio’s two Medicare Advantage contracts are rated 4.5 stars and 3.5 stars for 2027, against a 3.99 national average. For 2026, its PPO contract was rated 4.5 stars and its HMO contract 4 stars. Check the 2027 rating next to your specific plan in Medicare Plan Finder.

➤ What MedMutual Advantage plans are available for 2027?

The 2027 listings show ten plans: Choice and Plus HMOs; Classic, Elite Enhanced, Elite Prime and Elite Standard HMO-POS plans; and Select, Preferred, Premium and Elite Preferred PPOs. Not every plan is offered in every county.

➤ Which Ohio counties have MedMutual Advantage plans?

MedMutual Advantage is sold in 38 Ohio counties for 2027, including Cuyahoga, Summit, Stark, Lucas, Franklin, Montgomery and Hamilton. The plans available differ by county, so enter your ZIP code to see which ones are offered where you live.

➤ Do MedMutual Advantage plans include dental, vision and hearing?

Plans may include $0 preventive dental exams with comprehensive dental up to $2,500 on select plans, a $0 eye exam with up to $250 toward glasses or contacts, and a $0 hearing exam with low copays for hearing aids. Benefits vary by plan, and not all plans offer all benefits.

➤ Does Medical Mutual cover me when I travel outside Ohio?

Medical Mutual advertises up to $7,500 a year in coverage when traveling outside Ohio. Emergency and urgent care are covered anywhere under Medicare Advantage rules. Read your plan’s Evidence of Coverage for exactly what the travel benefit includes before relying on it.

➤ Is Medical Mutual a good Medicare Advantage plan?

For Ohio residents in its service area, it is a solid option. One of its contracts earned 4.5 stars for 2027, it builds networks around Ohio hospital systems, and it offers HMO, HMO-POS and PPO choices. Whether it is right for you depends on your doctors, prescriptions and the specific plan sold in your county.

➤ What is the difference between MedMutual Advantage HMO and PPO plans?

HMO plans cover care from in-network providers and generally have the lowest cost sharing. HMO-POS plans add some out-of-network coverage for certain benefits. PPO plans cover out-of-network care at a higher cost share, carry two out-of-pocket limits and usually have higher premiums.

➤ How many Medicare Advantage plans are in Ohio for 2027?

Ohio has 180 Medicare Advantage plans for 2027, down from 212 for 2026. Fewer plans means it is worth confirming your current plan continues and comparing what is left in your county.

➤ When can I enroll in a Medical Mutual Medicare Advantage plan?

The Annual Enrollment Period runs October 15 through December 7, 2026, for coverage starting January 1, 2027. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 allows one switch. New to Medicare? You can enroll during your Initial Enrollment Period.