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MediGold Medicare Advantage Plans 2027: Mount Carmel and MercyOne Plans in Ohio and Iowa

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 13, 2026

MediGold is the Medicare Advantage brand of Mount Carmel Health Plan, part of Trinity Health. It sells Mount Carmel MediGold plans in central and southern Ohio and MercyOne Health Plan plans in Iowa.

CMS’s 2027 plan data lists 12 individual MediGold plans, down from 16 in 2026, in 45 Ohio counties and 57 Iowa counties. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

Key Takeaway

MediGold drops its Ohio PPO plans for 2027, so Mount Carmel MediGold is HMO-only in Ohio. Iowa’s MercyOne lineup is unchanged, and every MediGold plan includes an OTC allowance.

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Imperial Health Plan Medicare Advantage 2027 overview: 4 plans, 52 California counties, new Imperial Flex plan, OTC allowance on 3 of 4 plans

MediGold 2027 Plan Lineup

These are the MediGold plans in CMS’s 2027 data. Some Ohio plans come in more than one version depending on your county:

Plan State Type
Mount Carmel MediGold No Premium Ohio HMO
Mount Carmel MediGold Plus Ohio HMO
Mount Carmel MediGold Premier Ohio HMO
Mount Carmel MediGold Cash Back Ohio HMO
Mount Carmel MediGold Glory No RX Ohio HMO, no drug coverage
MercyOne Health Plan No Premium Iowa HMO
MercyOne Health Plan Plus Iowa HMO
MercyOne Health Plan Cash Back Iowa HMO
MercyOne Health Plan Glory No RX Iowa HMO, no drug coverage
MercyOne Health Plan Choice Iowa PPO

Source: CMS 2026 and 2027 Plan Benefit Package and service area data, contracts H3668 and H1846, individual plans.

In Ohio, MediGold covers 45 counties, including Franklin (Columbus), Hamilton (Cincinnati), Montgomery (Dayton) and Delaware. In Iowa, MercyOne Health Plan covers 57 counties, including Polk (Des Moines), Black Hawk and Scott. See every Ohio carrier in our guide to Medicare Advantage plans in Ohio.

What Changed at MediGold for 2027

Comparing CMS’s 2026 and 2027 plan data, MediGold’s lineup changed in a few ways:

Ohio PPOs end

Mount Carmel MediGold Choice (PPO) and Premium Choice (PPO) are not in CMS’s 2027 data, so Ohio members in those plans need to choose a new plan.

12 plans, down from 16

MediGold also trims one version each of its Ohio No Premium and Plus plans.

Iowa stays the same

All five MercyOne Health Plan plans continue for 2027, including the Choice PPO.

Good to know: If you’re in a MediGold PPO in Ohio, read your Annual Notice of Change and pick a new plan by December 7. See what happens when a plan ends.

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Imperial Health Plan plans 2026 vs 2027 by type: standard HMO plans and chronic care special needs plans

What MediGold Plans May Include

CMS’s 2027 benefit data shows what MediGold plans may include. Amounts and rules depend on the plan and county:

May include

✔

An over-the-counter allowance on every MediGold plan for 2027.
✔

No Premium plans in both Ohio and Iowa. You still pay your Part B premium.
✔

Cash Back plans in both states. Check the 2027 Summary of Benefits for how the cash back works.
✔

Glory No RX plans without built-in drug coverage, for people who get drug coverage another way.
✔

Prescription drug coverage on most plans, with out-of-pocket drug costs capped at $2,400 in 2027.

Good to know: Not all plans offer all benefits. Check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

Who MediGold Fits

A good fit if you:

✔Live in MediGold’s Ohio or Iowa counties
✔Use Mount Carmel or MercyOne doctors and hospitals
✔Want a $0 premium HMO with an OTC allowance
✔Get drug coverage elsewhere and want a no-Rx plan

Look harder at other options if you:

✔Want a PPO in Ohio, since MediGold’s Ohio PPOs end for 2027
✔See doctors outside the Mount Carmel or MercyOne networks
✔Have both Medicare and Medicaid and want a dual-eligible plan

Before You Enroll: 2027 Checklist

Your 2027 checklist

1

Confirm your county. MediGold sells plans in 45 Ohio and 57 Iowa counties.
2

Check your doctors and hospitals. MediGold’s HMOs generally require you to use the plan’s network.
3

Check drug coverage. Glory No RX plans don’t include Part D.
4

Run your prescriptions. Drug costs can vary widely between plans.
5

Read your Annual Notice of Change. Ohio PPO members need to choose a new plan.
6

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Free help: For free, unbiased counseling, Ohio residents can contact OSHIIP, the Ohio Senior Health Insurance Information Program, and Iowa residents can contact SHIP.

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MediGold Medicare Advantage 2027 — Frequently Asked Questions

➤ What is MediGold?

MediGold is the Medicare Advantage brand of Mount Carmel Health Plan, part of Trinity Health. It sells Mount Carmel MediGold plans in Ohio and MercyOne Health Plan plans in Iowa.

➤ How many MediGold plans are there for 2027?

CMS’s 2027 plan data lists 12 individual MediGold plans, down from 16 in 2026. The plans available to you depend on your county.

➤ Is MediGold dropping its PPO plans in Ohio?

Yes. Mount Carmel MediGold Choice (PPO) and Premium Choice (PPO) are not in CMS’s 2027 data, so MediGold is HMO-only in Ohio for 2027. Members in those plans need to choose a new plan by December 7.

➤ Where is MediGold available for 2027?

MediGold sells plans in 45 Ohio counties, including Franklin, Hamilton and Montgomery, and in 57 Iowa counties through MercyOne Health Plan, including Polk, Black Hawk and Scott.

➤ What is MercyOne Health Plan?

MercyOne Health Plan is MediGold’s Medicare Advantage line in Iowa. For 2027 it includes No Premium, Plus, Cash Back and Glory No RX HMO plans and a Choice PPO.

➤ Do MediGold plans include an OTC allowance?

Yes. CMS’s 2027 benefit data shows an over-the-counter allowance on every MediGold plan. Amounts and rules depend on the plan, so check the 2027 Summary of Benefits.

➤ Does MediGold have $0 premium plans?

Yes. MediGold sells No Premium plans in both Ohio and Iowa for 2027. You still pay your Part B premium.

➤ What is the MediGold Glory No RX plan?

Glory No RX is a MediGold HMO without built-in Part D drug coverage. It may fit people who already get drug coverage another way.

➤ Where can I get free Medicare help in Ohio or Iowa?

Ohio residents can contact OSHIIP, the Ohio Senior Health Insurance Information Program, and Iowa residents can contact SHIP for free, unbiased Medicare counseling. You can also call 1-800-MEDICARE.

➤ When can I enroll in a MediGold plan for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195 (TTY 711), Mon–Fri 8am–9pm EST.

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