Local Medicare guidance · NE Ohio
Medicare,
made personal.
Together In Health. United In Care.
United Medicare Club helps you compare your options, understand the tradeoffs, and choose with confidence—without the call-center pressure.
“I’m not just a broker. I’m your ally in understanding Medicare.”
David Nunley
Meet your local broker
Navigating Medicare can be daunting, but it’s David’s passion to illuminate the path. He has dedicated his career to helping people understand Medicare’s nuances and make empowered decisions. At United Medicare Club, you get a local partner—not a distant sales desk.
“Choosing David as my Medicare agent was the best decision I’ve ever made. He’s responsive, thorough, and always goes the extra mile to ensure I’m happy with my plan.”
Doris · United Medicare Club client
Meet Tonya · Client care assistant to David
Tonya works alongside David to schedule your appointments, send friendly reminders, and follow up so nothing slips through the cracks—and she makes sure your questions get to David quickly.
Our services
Quality health insurance options
At UMC, we offer a variety of Medicare Advantage plans to meet your healthcare needs. Plans may include coverage for hospital stays, doctor visits, prescription drugs, and more. We’ll help you look at the benefits and the tradeoffs.
Medicare Supplement plans can help cover costs that Original Medicare doesn’t cover, such as deductibles, copayments, and coinsurance. We’ll help you compare your options around your needs.
UMC offers prescription drug plans to help cover the cost of prescription medications. Our experts will help you find the best plan for your needs and budget.
Ohio Medicare + Medicaid · Know your level
A Medicaid number alone doesn’t tell the whole story. Your eligibility level determines whether you have full Medicaid benefits—or help with Medicare costs only.
Full-benefit duals
All three include full Medicaid benefits and can meet MyCare Ohio’s full-Medicaid requirement. Other enrollment rules still apply.
Partial-benefit duals
These categories help with Medicare costs, but do not include full Medicaid benefits. They do not qualify you for MyCare Ohio on their own.
| Eligibility level | Medicaid pays Part B premium | Help with Medicare cost-sharing | Full Medicaid benefits | Meets MyCare’s full-Medicaid requirement |
|---|---|---|---|---|
| QMB+ | Yes | Yes — QMB billing protection | Yes | Yes* |
| SLMB+ | Yes | Through full Medicaid; coverage rules apply | Yes | Yes* |
| FBDE | Usually; verify your state buy-in status | Through full Medicaid; coverage rules apply | Yes | Yes* |
| QMB-only | Yes | Yes — QMB billing protection | No | No |
| SLMB-only | Yes | No — Medicare copays and coinsurance remain | No | No |
| QI | Yes | No — Medicare copays and coinsurance remain | No | No |
*MyCare also requires age 21 or older, eligibility for Medicare Parts A, B, and D, and no applicable exclusion. PACE, certain other insurance, and some developmental-disability services can affect enrollment. Ohio’s eligibility rule
Full Medicaid may include dental, transportation, and long-term services and supports when eligible. For SLMB+ and FBDE, cost-sharing help follows Medicaid coverage and payment rules; it is not the same blanket Medicare billing protection as QMB. CMS category definitions
CareSource MyCare Ohio · 2027
$0
for covered services,
when you follow plan rules.
“Because you get help from Medicaid, you pay nothing for your covered services as long as you follow our plan’s rules.”
The document also says providers cannot bill you for in-network covered services. This applies to eligible full-Medicaid members—including QMB+, SLMB+, and FBDE—not just QMB+.
This is not a promise that every service is covered. Network, medical-necessity, and authorization rules apply. Some Medicaid long-term care can have a separate “patient liability.” Other plans have their own documents.
2027 CareSource Evidence of CoverageChapter 4, page 58; long-term-care exception on page 119.
QMB-only pays Medicare premiums and protects you from Medicare Part A and Part B deductibles, copayments, and coinsurance for Medicare-covered care. Providers cannot bill you for those costs—even if they do not accept Medicaid. But QMB-only does not give you full Medicaid or MyCare eligibility. A small Medicaid copayment may apply.
These programs pay your Medicare Part B premium, not your medical deductibles, copays, or coinsurance. Those costs remain subject to your Medicare coverage. They also qualify you for Extra Help with prescription drug costs, but that is not full Medicaid.
David can help you read your eligibility information and compare the options available to you in Ohio.
In Ohio, QMB+, SLMB+, and other full-benefit dual eligible (FBDE) categories include full Medicaid benefits and can meet MyCare Ohio’s full-Medicaid requirement. QMB-only, SLMB-only, and QI do not include full Medicaid benefits and do not qualify for MyCare based on those categories alone. MyCare eligibility also requires age 21 or older, eligibility for Medicare Parts A, B, and D, and no applicable enrollment exclusion.
Reviewed October 8, 2026. General education, not an eligibility determination. Confirm current status with Ohio Medicaid and coverage with your plan.
Take your time
A short plan quiz, your personal sign-up dates, an honest Advantage vs. Supplement comparison, and a way to book a call.
Every enrollment window for 2026–2027, with a separate view for people who have Medicare and Ohio Medicaid.
Plain answers to what people ask David most, from Part B costs to MyCare Ohio.
Latest: Annual Enrollment opens October 15: an Ohio checklist for 2027
Compare and enroll · When you’re ready
David can walk through your priorities before you compare plans online.
Call (234) 380-6282No obligation to enroll. Plan availability and benefits vary by area.
Working with respected carriers and partners
More options vary by ZIP code.
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Contact us · David Nunley
Questions are welcome. Tell David what you’re sorting through, and he’ll follow up personally.
Looking for self-service online quoting? Access the Connect4Medicare portal