The population of Covington, Kentucky, includes nearly 72,000 Medicare beneficiaries. Approximately half of these beneficiaries enroll in a Medicare Advantage plan, which offers several benefits that can save money and stress.

This article is a resource for anyone interested in Covington, Kentucky, Supplemental Medicare plans.

Medicare plans in Covington, Kentucky

Kentucky Original Medicare beneficiaries can extend their medical coverage through Medicare Advantage and Medigap. One year younger than the national average, the average age of those enrolled in MA plans in Covington is 71.

As a result, these supplemental coverage plans play an essential role in protecting Medicare beneficiaries from excessive medical expenses.

Medicare Advantage plans

A higher-than-average percentage of male Kentucky Medicare Advantage members live in Covington, but these plans can benefit anyone. Although there are fewer options than the national average, there are still 36 Medicare Advantage plans in the area, offering residents a wide range of options.

Those with Medicare in Covington have an excellent option in Wellcare. There is no monthly premium for Wellcare, which is common among these plans. In addition, the maximum out-of-pocket cost (MOOP) is $5,000, providing a reasonably affordable option to residents of Covington interested in Supplemental Medicare plans.

Cost-conscious users will find Humana even more affordable. Although they have a perfect 5-star rating, they have zero-dollar monthly premiums and a $4,900 MOOP. As a result, Humana offers a compelling option to Medicare beneficiaries in Covington.

UnitedHealthcare provides outstanding medical coverage to Covington’s residents as a final option. There is no premium charge, and the MOOP for this plan is $4,500. Despite its affordable price, United’s program still earns a four-star rating for its outstanding service.

The average cost of Medicare Advantage plans in Covington, Kentucky

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $5,000 HMO 4
Humana $0 $4,900 HMO 5
UnitedHealthcare $0 $4,500 LOCAL PPO 4
Anthem BCBS $0 $5,500 LOCAL PPO 4
Aetna $0 $5,500 LOCAL PPO 4

Medicare Supplement plans

Even though the government standardizes the benefits of these plans, the rates you pay for this Medicare in Covington, Kentucky, will vary depending on where you live. The role of Kentucky Medigap plans is to cover expenses that the patient would typically have to pay out of pocket.

With Medigap Plan F, the beneficiary receives complete coverage, covering all Medicare bills. The premiums for Plan F range from $132 to $487. Despite providing excellent coverage and peace of mind, beneficiaries should note that Plan F comes at a higher cost.

Benefits holders who want to save money on premiums without sacrificing coverage can opt for high-deductible plans. Medigap Plan HDF, for instance, provides the same coverage as Plan F, although there is a significantly higher deductible for treatment.

With lower deductibles than HD plans and affordable rates, Plan N strikes a good balance for many beneficiaries. For example, beneficiaries in Covington pay $83-310 a month for premiums and less for doctor visits when they choose Medigap Plan N.

The average cost of Medicare Supplement plans in Covington, Kentucky

PLAN A $73.71 $356.03
PLAN B $131.33 $360.97
PLAN C $163.65 $368.87
PLAN D $129.58 $272.00
PLAN F $132.22 $487.45
PLAN HDF $40.00 $79.74
PLAN G $108.85 $388.04
PLAN HDG $39.63 $79.74
PLAN K $51.43 $157.34
PLAN L $71.92 $249.21
PLAN M $156.82 $323.69
PLAN N $83.39 $310.47

Medicare Part D prescription drug plans

Part D is essential because Medigap and some Medicare Advantage plans in Covington, Kentucky, don’t provide medication coverage. With these plans, you won’t have to worry about the cost of the medications in Kentucky your doctor prescribes.

Aetna’s Part D plans in Covington, Kentucky, will cost Medicare beneficiaries $6.80 per month with a $480 deductible. Its three-star rating provides a relatively good balance between coverage and costs. You do have to pay out-of-pocket expenses.

The Wellcare plan has a monthly premium of $12.90 but offers the same deductible. Its Over-The-Counter benefit allows you to purchase many medical supplies through insurance. It may not cover all medications, so you’ll want to ensure it covers yours.

Despite an identical deductible of $480, Humana plans charge a higher premium of $22.70 per month. It features a four-star rating. In addition, generic medications often cost only $1 to $4 with this plan.

The average cost of Medicare Part D plans in Covington, Kentucky

Aetna $6.80 $480 3
Wellcare $12.90 $480 3
Clear Spring Health $22.20 $480 2
Humana $22.70 $480 4
Wellcare $27.30 $480 3

Special Needs plans

Special-needs plans, also known as SNPs, offer benefits for people on Medicare in Covington, Kentucky, with health conditions that require specialized care. These plans aren’t available to everyone, but their value can be enormous to qualifying beneficiaries, so exploring them is wise.

The UnitedHealthcare plan in Covington has institutional enrollment, a MOOP of $7,500, and no monthly premium. You’ll cover only $1,800 out-of-pocket. To be eligible, patients must have a condition that requires institutional care.

Aetna also provides a $0 monthly premium with a $7,550 MOOP and dual enrollment. It offers coverage for eyeglasses and hearing aids. As well, each member is assigned a personal care team.

Finally, Anthem BCBS offers plans for beneficiaries with chronic or disabling conditions, with a MOOP of $6,700. They also serve those with low incomes. To that end, their premium is $0.

The average cost of Medicare Special Needs plans in Covington, Kentucky

PLAN PREMIUM MOOP Plan Type Eligibility
Anthem BCBS $0 $6,700 HMO Chronic or Disabling
Humana $0 $3,450 HMO Dual
Wellcare $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Aetna $0 $7,550 HMO Dual

How to sign up for Medicare plans in Covington

If you’re a Covington, Kentucky, resident looking for supplemental Medicare plans, our website can help. We offer a rate comparison form that will allow you to compare the rates of different insurance companies.

You can also call us at the number above and speak with one of our agents. We would happily help you find the best supplemental Medicare plan for your needs.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.