Three years ago, there were 708,123 Medicare beneficiaries with Kentucky Medicare Part D plans. Of these enrollees, 455,522 received standalone prescription coverage, while 252,470 patients enrolled through Medicare Advantage.

Kentucky Medicare Part D plans for 2024

Medicare Part D plans are a type of insurance that covers generic and brand-name prescription medications. Because Original Medicare doesn’t cover prescriptions, they’re a high out-of-pocket cost for many Kentuckians. With a Part D plan, Kentucky patients can increase their savings.

This article details Part D plans with the lowest premium, zero-dollar deductibles, gap coverage, and a low-income subsidy in Kentucky and answers common questions.

Part D plans with the lowest premium in Kentucky

Kentucky Medicare Part D plans with the lowest premium include carriers like Aetna, Wellcare, and Humana. Cheaper plans typically have the highest deductibles.

Aetna offers the cheapest option with a $6.80 premium, a $480 deductible, and no gap coverage. Aetna beneficiaries can enroll in Part D coverage through the Silver Script program.

Two options from Wellcare feature a three-star rating and a $480 deductible and don’t include gap coverage. Each plan is affordable at $12.90 and $27.30.

Humana boasts a four-star plan without gap coverage. It includes a $480 deductible and a $22.70 premium.

Aetna $6.80 $480 3 No
Wellcare $12.90 $480 3 No
Clear Spring Health $22.20 $480 2 No
Humana $22.70 $480 4 No
Wellcare $27.30 $480 3 No

Plans with a zero-dollar deductible in Kentucky

Patients choose zero-dollar deductible plans to get coverage immediately by paying higher premiums. Depending on your health issues, such a plan might be ideal. The following plans have no deductible and offer gap coverage.

A zero-dollar deductible plan from Aetna costs $58.80 monthly and features a three-star rating. It also has no premium, making it an affordable option for all Kentuckians.

Anthem is another popular choice, with a $69 premium and a four-star rating. It has a $0 pharmacy deductible.

Kentuckians also trust UnitedHealthcare’s $92.50 premium and generally satisfactory three-star rating. It offers a $0 deductible and costs $0 for a three-month supply of Tier 1 medications.

Aetna $58.80 $0 3 Yes
Wellcare $68.70 $0 3 Yes
Anthem $69.00 $0 4 Yes
UnitedHealthcare $92.50 $0 3 Yes

Plans with gap coverage in Kentucky

Some Kentucky Medicare Part D plans cover medication after reaching the Coverage Gap phase, but many don’t. Typically, you’ll pay a percentage of the cost.

UnitedHealthcare offers two Part D plans, one for $29.30 with a $310 deductible and one for $92.50 monthly with no deductible. The latter plan has a three-star rating, while the first has four stars.

Kentucky prescription users also choose Cigna for its $58.10 premium and affordable $100 deductible. For Tier 1, 2, 3, and 6 medications, that deductible goes down to $0.

Anthem offers a well-rated Part D plan with four stars. It features a zero-dollar deductible and a $69 monthly premium.

UnitedHealthcare $29.30 $310 4 Yes
Cigna $58.10 $100 3 Yes
Aetna $58.80 $0 3 Yes
Anthem $69.00 $0 4 Yes
UnitedHealthcare $92.50 $0 3 Yes

Plans with a low-income subsidy in Kentucky

Kentucky has 187,276 beneficiaries eligible for a low-income subsidy. Patients needing extra help can apply for a low-income subsidy plan to get additional savings on prescriptions. This eliminates the need for gap coverage.

Each plan features a $480 deductible, and none includes gap coverage. Wellcare offers a $27.30 premium and has a three-star rating.

Patients pay $27.60 for a Clear Spring Health Part D plan. This plan comes with a two-star rating.

UnitedHealthcare provides low-income Kentuckians the best performance and value with a $30.30 monthly premium. It also comes with a satisfactory four-star rating indicating excellent coverage performance.

Wellcare $27.30 $480 3 No
Clear Spring Health $27.60 $480 2 No
Aetna $28.80 $480 3 No
Cigna $29.40 $480 3 No
UnitedHealthcare $30.30 $480 4 No

Amount of beneficiaries that fall into each Part D coverage phase

Kentucky Medicare Part D plans include a coverage gap or “donut hole” phase. During this phase, patients must pay a portion of their prescription costs.

Patients reach the Coverage Gap Phase if they hit the coverage limit for their prescriptions, but this occurrence is rare and easily preventable by choosing only generic medications. The figures below indicate the number of beneficiaries in each phase.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
124,185 300,428 81,542 69,374

Kentucky cities with estimated premiums for Medicare Supplement coverage

Sometimes it’s good to see what some of the estimated costs for Medigap plans can be in your area. So here are some helpful charts with estimated premiums for Medicare Supplement coverage for the below cities:


How to apply for extra help with Medicare Part D in Kentucky?

To apply for Extra Help with Medicare Part D in Kentucky, you must send your plan provider proof that you have Medicare and meet eligibility requirements. This proof can include a copy of your Medicare card or an invoice from the health facility that handles your medical care.

What is the most popular Medicare Part D plan in Kentucky?

Of all Kentucky Medicare Part D plans, the Humana Walmart Value Rx Plan is the most popular option. This enhanced plan features a $480 deductible and a $22.70 monthly premium. Its four-star rating is the highest out of all plans in the state.

Depending on your specific needs, another popular plan may be better for you, such as Aetna SilverScript SmartRx.

What is the Medicare Part D premium in Kentucky?

Your monthly premium depends on the insurance carrier you choose. Aetna offers some of the most affordable coverage, while Humana and Wellcare are worthwhile options. Kentucky’s lowest Part D premium is $6.80, but your premium could be $22.70 or more.

How are Medicare Part D premiums paid in Kentucky?

How much you pay for Part D depends on your income. Typically, Medicare Part D comes out of Kentucky patients’ Social Security.

Sometimes, you must pay a Part D Income Related Monthly Adjustment Amount (IRMAA). You can pay Kentucky Medicare Part D plans’ extra charges by sending a payment to Medicare.

Do I need Medicare Part D if I don’t take any drugs in Kentucky?

Even if you don’t take drugs in Kentucky, enrolling in Medicare Part D may be better before you miss the chance. After the Annual Open Enrollment Period ends, you must wait an entire year before you can enroll again. Missing this opportunity could be detrimental.

How to get help signing up for a Medicare Part D plan in Kentucky

To get help signing up for a Medicare Part D plan in Kentucky, speak to the Medicare experts at We have up-to-date information on all Kentucky Medicare Part D plans. We compare plans from all carriers to determine the best fit.

Consider your priorities when looking for prescription medication coverage in Kentucky. Whether you want a low-deductible plan or need a low-income subsidy plan, our professionals can find an option that fits your budget and health needs.

Call our team at or fill out our rate form to get rates now.

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.