Summa Medicare Advantage Plans 2026
Interested in Summa Medicare Advantage Plans for 2026? Summa offers a variety of plans starting at $0 per month, with comprehensive coverage tailored to your health needs. This article highlights the benefits of each plan to help you make an informed choice.
Key Takeaways
- SummaCare offers seven Medicare Advantage plans, including HMO and HMO-POS options, with premiums starting at $0, providing tailored coverage for diverse health needs.
- The SummaCare plans, such as Medicare Emerald, Garnet, Quartz, Ruby, Sapphire, and Topaz, all receive a commendable rating of 4.5 out of 5 stars from CMS for 2026, indicating high-quality service and member satisfaction.
- Enrollment for SummaCare Medicare Advantage plans is straightforward, available from October 1 to December 7, with eligibility requiring Medicare Part A and Part B enrollment and coverage across 33 Ohio counties.
Compare Plans In One Step!
Overview of SummaCare Medicare Advantage Plans
SummaCare offers seven distinct Medicare Advantage plans tailored to various health needs and budgets, with premiums starting as low as $0 per month. These plans ensure comprehensive coverage, catering to both basic health services and specialized care.
Our variety of plans includes HMO and HMO-POS options, each with unique benefits to meet your specific needs. SummaCare’s robust network of healthcare providers and excellent customer service ensure your health is well taken care of.
SummaCare Medicare Emerald (HMO-POS)
The SummaCare Medicare Emerald (HMO-POS) plan shines brightly with an overall rating of 4.5 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS) for 2026. This high rating reflects our commitment to providing quality healthcare services and ensuring member satisfaction.
The Emerald plan features a zero-dollar deductible and an annual out-of-pocket maximum of $2,800 for in-network services, providing comprehensive coverage without high expenses.
SummaCare Medicare Garnet (HMO)
The SummaCare Medicare Garnet (HMO) plan, rated 4.5 out of 5 stars by CMS for 2026, highlights our commitment to top-tier healthcare services and member satisfaction.
Designed to cover diverse health needs, the Garnet plan offers security coverage for routine check-ups and specialized treatments, ensuring your health and well-being.
SummaCare Medicare Quartz (HMO)
Rated 4.5 stars by CMS for 2026, the SummaCare Medicare Quartz (HMO) plan delivers comprehensive and reliable healthcare coverage.
The Quartz plan provides access to essential health services without high costs, including no medical copays and no charges for preventive services like free dental and vision exams.
SummaCare Medicare Ruby (HMO)
The SummaCare Medicare Ruby (HMO) plan received a 4.5-star rating from CMS for 2026, reflecting its quality and reliability in delivering top-notch healthcare services.
Requiring enrollment under a Medicare contract, the Ruby medicare plan ensures coordinated and comprehensive care, meeting your healthcare needs efficiently.
Compare plans and enroll online
SummaCare Medicare Sapphire (HMO-POS)
Rated 4.5 stars by CMS for 2026, the SummaCare Medicare Sapphire (HMO-POS) plan offers flexibility and comprehensive coverage, making it a popular choice.
The Sapphire plan provides access to a wide network of healthcare providers and hospitals, ensuring timely and necessary care.
SummaCare Medicare Topaz (HMO)
The SummaCare Medicare Topaz (HMO) plan, rated 4.5 stars by CMS for 2026, demonstrates strong performance in member satisfaction and care effectiveness, making it a reliable healthcare choice.
The Topaz plan ensures comprehensive coverage, providing access to essential health services without high costs to pay, including options for a PPO.
Benefits and Services Offered by SummaCare Medicare Advantage Plans
SummaCare’s Medicare Advantage plans enhance health and well-being with extensive benefits and services. With a premium starting at $0, these plans offer affordable, comprehensive coverage; for instance, the Quartz (HMO) plan includes $0 medical copays and no charges for preventive services.
Additionally, the Medicare Advantage plan provides a variety of options tailored to meet individual needs.
Additional benefits include:
- Telehealth services for home consultations
- SilverSneakers membership for physical fitness
- Home-delivered meals for recovery after hospital stays or specific health conditions.
SummaCare provides the following services:
- Personal Emergency Response System (PERS) for 24/7 emergency assistance
- Annual reimbursement for eye care expenses
- Routine exams at no copay
- Transportation services for medical appointments are arranged via local ride-share vendors like Uber and Lyft. This is a summary of the services offered.
Highlights include comprehensive dental services like cleanings, fluoride treatments, X-rays, and coverage for major procedures such as extractions and crowns. Prescription drug benefits also feature $0 copays for certain medication tiers at preferred pharmacies.
Enrollment Process and Eligibility
Enrolling in SummaCare Medicare Advantage plans is straightforward. You can enroll via phone, online, or by mailing a completed application. Representatives are available daily from October 1 to March 31, and Monday through Friday from April 1 to September 30.
To be eligible, you must be entitled to Medicare Part A and enrolled in Medicare Part B. The enrollment period spans from three months before to three months after your 65th birthday, and at certain times, Special Enrollment Periods are also available for circumstances like moving or newly qualifying for Medicare.
From October 15 to December 7, you can choose updated SummaCare Medicare Advantage plans for the upcoming year. Make sure to select a Primary Care Physician (PCP) and include their information on the enrollment form for the plan selected for coordinated care.
County Availability and Network Providers
SummaCare’s network includes over 22,000 healthcare providers and more than 70 hospitals across 33 northern Ohio counties, ensuring access to a wide range of healthcare professionals, including those within the SC Connect connection network.
The Northeast Region covers counties such as:
- Ashland
- Stark
- Summit
- Trumbull
Residents in any of the 33-county limited service areas qualify for enrollment, ensuring access to high-quality healthcare.
Provider directories list healthcare professionals in specific counties, offering the latest information on network providers and other providers.
Using First Health providers for emergency care outside the service area can reduce out-of-pocket costs for SummaCare members. The provider directory can help members find the right healthcare professionals.
Contract Renewal and Plan Changes
SummaCare operates under a Medicare contract as both an HMO and an HMO-POS plan, with enrollment in SummaCare depending on contract renewal.
This process ensures plans remain available as long as the Medicare contract is maintained, and the availability of Summacare depends on contract renewal. Summacare depends on contract renewal.
The SummaCare Medicare Advantage network now includes The Metro Health System, demonstrating SummaCare’s commitment to improving and broadening healthcare access for members.
How Medicare Evaluates Plans
Medicare annually evaluates plans using a 5-star rating system, reflecting plan quality and member satisfaction. These ratings vary based on performance, helping consumers assess their healthcare options.
Evaluation criteria include member satisfaction, illness prevention effectiveness, and response speed to care needs. Member feedback and surveys are critical in determining ratings, and verification accurately reflecting patient experiences.
Contacting a Licensed Insurance Agent
Finding a licensed insurance agent is easy; just enter your city, state, or ZIP code on official health insurance websites. Licensed agents assist with applications and provide guidance via in-person meetings, phone calls, or email.
Licensed agents simplify understanding coverage options and costs. Whether you prefer phone conversations or in-person sales meetings, agents are available to provide personalized Medicare assistance.
Summary
SummaCare Medicare Advantage Plans for 2026 offer a variety of options to meet diverse health needs and budgets. With seven distinct plans, comprehensive benefits, and a strong network of providers, SummaCare ensures that members receive high-quality healthcare services.
Choosing the right Medicare Advantage plan is crucial for your health and well-being. We hope this guide has provided valuable insights into SummaCare’s offerings, helping you make an informed decision. Remember to contact a licensed insurance agent for personalized assistance and take advantage of the extensive benefits and services available to you.
Frequently Asked Questions
→ Which is better, Medicare Advantage Humana or UnitedHealthcare?
Ultimately, the choice between Medicare Advantage plans from Humana and UnitedHealthcare depends on individual needs. UnitedHealthcare may provide higher star ratings and a broader network, whereas Humana offers lower premiums and valuable Part B Giveback benefits. Consider your specific healthcare requirements and financial situation to make an informed decision.
→ What are the different SummaCare Medicare Advantage plans available for 2026?
SummaCare will offer seven different Medicare Advantage plans in 2026, which include the Emerald (HMO-POS), Garnet (HMO), Quartz (HMO), Ruby (HMO), Sapphire (HMO-POS), and Topaz (HMO) plans.
→ How can I enroll in a SummaCare Medicare Advantage plan?
To enroll in a SummaCare Medicare Advantage plan, you can call their designated number, complete the enrollment process online, or mail a completed application. Assistance is available daily during open enrollment and Monday through Friday from April 1 to September 30.
→ What benefits do SummaCare Medicare Advantage plans offer?
SummaCare Medicare Advantage plans provide significant benefits such as $0 premiums, telehealth services, a SilverSneakers membership, home-delivered meals, a Personal Emergency Response System, vision coverage, and extensive dental services. These features collectively enhance members’ health and well-being.
→ Are there any specific eligibility requirements for enrolling in a SummaCare Medicare Advantage plan?
To enroll in a SummaCare Medicare Advantage plan, you must be entitled to Medicare Part A and enrolled in Medicare Part B. Additionally, you can enroll during a seven-month period that begins three months before your 65th birthday and ends three months after.
Have Questions?
Speak with a licensed insurance agent
1-833-641-4938
TTY users 711
Mon-Fri: 8am-9pm ET
ZRN Health & Financial Services, LLC, a Texas limited liability company
Find & Compare Plans Online
Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.