2027 is a rough year for Medicare in Butler County. Here's what changed, and how to keep your doctors.
About 4,800 Butler County residents are on Medicare Advantage plans that are ending in 2027, the most of any county in Southwest Ohio. Another 3,300 are being moved into replacement plans they didn't choose. On top of that, the hospital most Hamilton residents call "Fort Hamilton" is changing which plans it takes.
MedMyWay is an independent Medicare agency run by Jeff and Suzanne Janosick. We serve Hamilton, Fairfield, Middletown, Oxford, and the rest of Butler County. We'll read your plan letter with you, check your doctors against every 2027 plan we represent, and help you switch before the deadline. It costs you nothing.
Kettering Health Hamilton, formerly Fort Hamilton Hospital, is part of Kettering Health. For 2027:
Those three carriers sell a big share of the Advantage plans in Butler County. If your primary care doctor, cardiologist, or surgeon is with Kettering Health Hamilton or Kettering Health Medical Group, a plan from any of them could leave you paying out-of-network costs or switching doctors.
Kettering says it still accepts traditional Medicare and several other Advantage carriers, including Aetna, UnitedHealthcare, Medical Mutual of Ohio, and HealthSpring. Networks are set plan by plan, so we confirm your exact doctors before you enroll.
Butler County is unusual because plans built around Cincinnati hospitals and plans built around Dayton hospitals are both sold here. Depending on where you live, “local” care could mean any of these:
Many Hamilton families have doctors in two of these systems. An Advantage HMO that covers Mercy and TriHealth but not Kettering, or the reverse, can quietly cost you more than any premium savings.
Plans ending in 2027 (largest groups, approximate Butler County members):
Most of the people losing their plan in Butler County also have Medicaid. Nearly every big plan on that list is a “Dual” or “SNP-DE” plan built for people with both Medicare and Medicaid. If that’s you, see the next section.
If your plan is ending and you do nothing, you’ll be on Original Medicare on January 1, and you’ll have no drug coverage unless you get Extra Help (Medicare would place you in a drug plan). You can choose a plan through February 28, 2027, but coverage starts the month after you enroll.
About 10,800 Butler County residents qualify for both Medicare and Medicaid. If you’re one of them:
We’ll check your Medicaid level and your doctors before recommending anything.
About 1,640 Butler County members of Humana giveback PPOs, including several Humana USAA Honor Giveback with Rx plans popular with veterans, are being moved automatically into Humana Essentials Plus Giveback (PPO) or HumanaChoice Giveback H5216-481 (PPO).
Both new plans have a $9,850 in-network out-of-pocket maximum, the highest allowed, and a $700 drug deductible. If you picked your plan for the Part B rebate, check your Annual Notice of Change. The rebate may still be there, but your worst-case year just got a lot more expensive.
Similarly, about 1,200 members of AARP Medicare Advantage from UHC OH-0003 are moving to OH-19, which has a $35/month premium for 2027.
With hospital networks shifting this much, a lot of Hamilton residents are asking about Original Medicare plus a Supplement. It works at every hospital and doctor that accepts Medicare: Kettering, Mercy, TriHealth, Premier, and anywhere else in the country.
If your Advantage plan is ending, you likely have a guaranteed right to buy certain Supplements with no health questions. You can apply from the time you get your non-renewal letter until 63 days after your coverage ends. In Ohio, that’s a rare opening, so don’t waste it.
Hamilton, Fairfield, Fairfield Township, Middletown, Trenton, Monroe, Oxford, Ross Township, Millville, Seven Mile, Okeana, and Liberty Township. We meet by phone, by video, or in person by appointment.
Nearby pages: West Chester, OH · Mason, OH · Dayton, OH · Cincinnati, OH
No. Kettering Health is ending its Anthem Medicare Advantage contract on January 1, 2027. Your Anthem plan still covers Kettering through December 31, 2026.
Kettering lists Humana Medicare Advantage as not in network. Humana employer group PPOs may be handled differently. We confirm based on your exact plan.
Kettering says it continues to accept traditional Medicare and Advantage plans from Aetna, UnitedHealthcare, Medical Mutual of Ohio, and HealthSpring, among others. Networks vary by plan, so we verify your doctors before you enroll.
You'll still have Medicare and Medicaid. You'll need to choose a new plan to keep your extra benefits and drug coverage. As a dual-eligible member, you may have extra chances to enroll, but choosing by December 7 avoids a gap. We'll compare 2027 dual plans for you.
Usually only in your first 6 months on Part B, or in a guaranteed-issue situation like your Advantage plan ending. Ohio has no birthday rule.
No. Our help is free. Insurance companies pay us, and your premium is the same either way.
Bring your plan letter, your doctor list, and your prescriptions. In 30 minutes we'll show you exactly which 2027 plans keep your care in network.
