A total of 320,844 beneficiaries currently take advantage of Kentucky Medicare Advantage plans. Of this number, the Covington, KY, the area has the highest Medicare Advantage participation rate, indicating that 47.15% of all residents prefer a supplemental option to Original Medicare.

Understanding the essentials of Medicare Advantage plans makes it easier to select a suitable choice.

How Medicare Advantage Plans Work in Kentucky

Kentucky Medicare Advantage plans are all-in-one alternatives to Original Medicare and occasionally Part D coverage. Private insurance carriers offer Medicare Advantage with different benefits. Some include prescription medication coverage, while others have dental and vision insurance.

In 2022, most counties in Kentucky have between 11 and 50 Medicare Advantage plans. Counties at the northernmost tip of the state feature the most plans per county, with 36 plans.

Medicare Advantage Plans Offered in Kentucky

The government doesn’t standardize Medicare Advantage plans in Kentucky, so you’ll notice different benefits and prices throughout. Depending on your zip code, how much you’ll pay and available plans may differ. Most plan details remain the same, but there are some differences.

The following sections will detail Kentucky Medicare Advantage plans with zero-dollar premiums and deductibles, five-star ratings, and reduced Part B costs.

Medicare Advantage Plans with a Zero Dollar Premium in Kentucky

While a zero-dollar premium is advantageous, it typically results in a higher deductible. Some carriers offer lower maximum out-of-pocket costs so you can save.

Kentuckians choose the Humana (Local PPO) plan for its zero-dollar premium and $4,200 maximum out-of-pocket limit. It features a satisfactory four-star performance rating. As a result, Humana offers a compelling option to Medicare beneficiaries in Louisville.

Anthem BCBS (Local PPO) features a four-star plan with $6,700 out-out-pocket. Patients choose it for its many additional benefits. It offers bundled dental and vision care, as well as a fitness program.

The Aetna (HMO-POS) plan has a three-star rating and requires a $5,300 MOOP. It offers a zero-dollar premium. A majority of their plans include dental, vision, and hearing.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Anthem BCBS $0 $6,700 LOCAL PPO 4
Wellcare $0 $5,500 LOCAL PPO N/A
Humana $0 $4,200 LOCAL PPO 4
Aetna $0 $5,300 HMO-POS 3
Anthem BCBS $0 $5,500 LOCAL PPO 4

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Kentucky

Some Kentucky Medicare Advantage plans have a zero-dollar drug deductible, allowing you to save on prescriptions.

Two Wellcare (HMO) plans have four stars and feature no monthly premiums. One requires $6,700 maximum out-of-pocket, and the other requires $5,000.

Humana (HMO) offers a plan with $5,900 max out-of-pocket. Kentucky patients indicate satisfaction with its four-star rating.

Anthem Blue Cross Blue Shield (HMO) also features a four-star rating for having no premium. It requires $5,300 MOOP.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Wellcare $0 $6,700 HMO 4
Humana $0 $5,900 HMO 4
Anthem BCBS $0 $5,300 HMO 4
Aetna $0 $5,300 HMO-POS 3
Wellcare $0 $5,000 HMO 4

Medicare Advantage Plans with a 5-Star Rating in Kentucky

If any Kentucky Medicare Advantage Plans available near you have a five-star rating, you may qualify for a Special Enrollment Period. Both UnitedHealthcare and Humana are five-star HMO plans.

The local PPO program offered by UnitedHealthcare provides excellent medical coverage for Kentuckian beneficiaries. This plan has a monthly out-of-pocket expense of $4,900, with no premium.

Humana’s five-star plan is similar. It offers a zero-dollar premium with the same $4,900 max-out-of-pocket.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
UnitedHealthcare $0 $4,900 HMO 5
Humana $0 $4,900 HMO 5

Medicare Advantage Plans with a Part B Reduction in Kentucky

Some plans in specific Kentucky zip codes offer a Part B reduction.

A four-star Wellcare plan offers a $74 give-back and $6,700 MOOP. Its unrated plan reduces Part B expenses by $60 with $5,500 out-of-pocket.

Humana offers a zero-dollar premium, $60 Part B reduction, and has a four-star rating. It also has a $6700 MOOP.

Anthem Blue Cross Blue Shield offers two plans with a zero-dollar premium, $6,700 maximum out-of-pocket, and a four-star rating. Both reduce Part B expenses by $50.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Anthem BCBS $0 $6,700 $50.00 4
Wellcare $0 $5,500 $60.00 N/A
Wellcare $0 $6,700 $74.00 4
Humana $0 $6,700 $60.00 4
Anthem BCBS $0 $6,700 $50.00 4

Ancillary/DVH

In addition to covering Original Medicare and Medigap expenses, Kentucky Medicare Advantage plans often include additional benefits. Some carriers include dental, vision, and prescription medication coverage, so you don’t have to purchase standalone private insurance.

Kentucky Cities with Estimated Premiums for Medicare Supplement Coverage

We’ve put together charts of estimated premiums for Medicare Supplement coverage for the following cities:

FAQs

What companies sell Medicare Advantage plans in Kentucky?

Top companies offering Kentucky Medicare Advantage plans include Aetna, Humana, and UnitedHealthcare. These providers offer HMO plans and feature good star ratings, indicating a combination of affordability and excellent performance.

What is the highest-rated Medicare Advantage plan in Kentucky?

Of all Kentucky Medicare Advantage plans, they each have relatively similar ratings. Five-star plans from UnitedHealthcare and Humana are some of the highest-rated options.

However, the best plan for you depends on your health needs and budget. You may find a better option with a lower rating.

How do I choose the best Medicare Advantage plan in Kentucky?

To choose a Medicare Advantage plan, you should list your priorities and compare the top Medicare Advantage plans to see which ones meet more necessary criteria. Consider how frequently you’ll need doctor’s visits or whether you’ll need many prescriptions.

Does Medicare coverage start the month you turn 65 in Kentucky?

Typically, your Medicare coverage starts the first day of the month you turn 65. If you have a chronic condition such as End-Stage Renal Disease or have been on Social Security Disability, you may be eligible before turning 65. Open enrollment begins three months before your 65th birthday and ends three months after.

What are four types of Medicare Advantage plans in Kentucky?

In Kentucky, four types of Medicare Advantage plans include Health Maintenance Organization plans, Preferred Provider Organization plans, Special Needs Plans and Private Fee-for-Service plans. Depending on the plan type, you may get lower costs or have limitations on which doctors you can visit. Other plans don’t require patients to have a primary physician.

How to Get Help Enrolling in a Kentucky Medicare Advantage Plan

Selecting the right Medicare Advantage plan is crucial. With around 20 or more plans per county, picking one that fits your needs can be time-consuming and frustrating. The Medigap.com team is ready to assist you and answer any questions.

Our professionals understand the challenges of applying for health insurance no matter your age. We speed up the process and help you find a suitable carrier and plan type to ensure maximum savings within your budget.

We work with all carriers to help you find the best quotes on health insurance and additional services. Let us know your priorities regarding healthcare, and we’ll find the perfect fit. If you need to compare Kentucky Medicare Advantage plans, call us or fill out our online form to get rates today.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.