Louisville, Kentucky, is home to more than 350,000 Medicare beneficiaries. About 35% of beneficiaries in these plans are Medicare Advantage members, which is lower than the national average.

This article will provide helpful information about different Louisville, Kentucky Supplemental Medicare plans for Medicare beneficiaries.

Louisville, Kentucky Supplemental Medicare plans

Medicare beneficiaries can obtain extended medical coverage through Kentucky’s Medicare Advantage and Medigap plans. These programs protect beneficiaries from high healthcare costs, particularly if an emergency occurs. The below quotes are based on a 65-year-old female.

Cheapest Medicare Advantage plans in Louisville, KY

In Louisville, most beneficiaries enrolled in Kentucky’s Part C plans are female, but these plans benefit all types of beneficiaries. With 32 Medicare Advantage plans available in the city, residents have plenty of options to consider.

Wellcare, a Medicare Advantage plan provider in Louisville, is an excellent choice for Medicare beneficiaries. No monthly premium is associated with the Wellcare plan, rated three stars. In addition, the maximum out-of-pocket (MOOP) is $5,000, which is competitive with other options.

Individuals seeking affordable Medicare Advantage plans will also find Humana appealing. AMR offers zero-dollar monthly premiums and an impressively low $4,200 MOOP, despite their perfect 5-star rating. As a result, Humana offers a compelling option to Medicare beneficiaries in Louisville.

The local PPO program UnitedHealthcare offers excellent medical coverage for Louisville beneficiaries. This plan has a monthly out-of-pocket expense of $4,500, with no premium. Even though United’s program is affordable, its premium service earns it a four-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $5,000 HMO 4
Humana $0 $4,900 HMO 4
Aetna $0 $5,500 HMO-POS 3
UnitedHealthcare $0 $4,500 LOCAL PPO 4
Passport Advantage $0 $7,550 HMO N/A

Average Medicare Supplement plans in Louisville, KY

Although the government ensures that the benefits of these plans remain consistent from place to place, the associated coverage costs differ based on location. By covering costs that would typically be Kentucky patients’ Original Medicare responsibility, Medigap plans effectively fill existing gaps in Medicare coverage.

Medigap Plan F covers all Medicare costs, protecting the beneficiary from costs in any medical situation. Plan F premiums for Louisville, Kentucky Supplemental Medicare plans range from $119 to $487 per month. As you would expect, Plan F is a high-priced plan but offers a high level of coverage and security.

High-deductible plans are an option for those wishing to reduce their premiums while retaining adequate coverage. For example, Medicare beneficiaries in Medigap Plan HDF receive nearly the same coverage as those in Plan F but are responsible for a more substantial deductible. Monthly premiums for this plan range from $31-65.

With lower deductibles than HD plans and affordable rates, Plan G is a well-balanced option that fits many beneficiaries. Residents who opt for Medigap Plan G pay $106-388 for premiums and a reduced amount for doctor visits. Under this plan, insurance will cover all medical expenses, including Part B deductibles.

PLAN A $66.93 $356.03
PLAN B $119.39 $296.78
PLAN C $148.82 $368.87
PLAN D $118.50 $220.00
PLAN F $119.31 $487.45
PLAN HDF $31.00 $65.98
PLAN G $106.22 $388.04
PLAN HDG $31.00 $72.48
PLAN K $46.64 $129.07
PLAN L $67.83 $228.25
PLAN M $124.74 $261.52
PLAN N $79.82 $310.47

Affordable Medicare Part D prescription drug plans

Part D plans are vital because Medicare Advantage and some Medigap plans don’t cover medication. You can use these plans to cover the cost of drugs in Kentucky that your doctor prescribes as part of your treatment.

Part D plans from Aetna cost Louisville Medicare beneficiaries $6.80 per month, with a deductible of $480. If your income is over a certain amount, there may be extra charges. You also have to pay out-of-pocket costs.

With Wellcare, the monthly premium is $12.90, but the deductible is the same. 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 that it covers yours.

Finally, Clear Spring Health plans charge a higher monthly premium of $22.20. Their deductible, though, is the same, $480. It covers over-the-counter costs as well.

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

Medicare Special Needs plans

Special needs plans (SNPs) are available to individuals who require Medicare special care due to an existing condition or disability in Louisville, Kentucky. The benefits provided by these plans can significantly impact beneficiaries who may qualify — and should explore their eligibility.

Wellcare offers a MOOP of $7,500. The deductible is $480, and it has a 3-star rating. It helps cover devices like eyeglasses and hearing aids.

Aetna’s program offers a MOOP of $7,550 and is another compelling option for beneficiaries looking for dual eligibility. It provides coverage for eyeglasses and hearing aids. As well, each member is assigned a personal care team.

Humana offers SNPs with a MOOP of $4,400 to patients with chronic or debilitating conditions. It has a plan for those with chronic diseases such as diabetes. This plan covers dental, vision, hearing, and nonemergency transport.

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


Where do I sign up for Medicare in Louisville, KY?

Medicare can help you if you’re 65 years old in Louisville, Kentucky, or within three months of turning 65. You can contact the agency to get started.

What do Medicare Part A and B cover in Louisville, KY?

Part A covers hospital expenses, while Part B covers doctor visits and regular care. Medicare-supplemental or Medigap plans cover costs that consumers would otherwise have to pay. Benefits vary based on each plan letter, so research each letter option before deciding.

What Medicare Advantage plans do they offer in Louisville, KY?

Medicare Advantage plans in Kentucky fit into one of four types. Beneficiaries can choose an HMO, PPO, PFFS, or special needs plan (SNP), each bringing different advantages.

What happens if I refuse Medicare Part D in Louisville?

Beneficiaries who refuse Part D coverage are subject to a yearly fee unless they have separate coverage for medications. Additionally, enrolling later can be more challenging if you decline it initially.

Can I switch from Medicare Advantage to Medigap in Louisville, KY?

Changing from Medigap to Medicare Advantage is possible in Kentucky, but certain restrictions apply. Beneficiaries can only change coverage once a year, which must occur during the Annual Election Period (AEP). If you’re interested in switching coverage, the AEP takes place between October 15 and December 7.

How to sign up for Supplemental Medicare plans in Louisville

We can assist you if you live in Louisville, Kentucky, and are considering getting Supplemental Medicare. Making sure you’re fully covered should be important to you, and it’s essential to our licensed insurance agents that you get a plan that fits your needs.

So give us a call today. Or fill out our online rate form to receive the best rates in Louisville today!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.