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By David Bynon [3] · Last updated January 16, 2025

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Medicare Advantage
 » 
Kentucky

2025 Guide to Medicare Advantage Plans in Kentucky

by David Bynon, last updated January 16, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. Learn more.

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Finding the Top Medicare Advantage Plan in Kentucky Starts Here

If you live in Kentucky and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.

This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Kentucky, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.

Table of Contents

Who Has The Best Plans in Kentucky? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Unveiling the Standout Medicare Advantage Plans in Kentucky

Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Kentucky's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.

There are no 5-star plans in Kentucky in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Kentucky come from:

    We recommend evaluating the health plans from these Kentucky health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

    CRUCIAL: Benefits are not the same throughout Kentucky. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

    Complete List of Kentucky's Plan Providers

    Approximately 9 health insurance providers offer Medicare Advantage plans in Kentucky, including:

    • Aetna Medicare
    • Anthem Blue Cross and Blue Shield
    • Cigna Healthcare
    • Devoted Health
    • Essence Healthcare
    • Humana
    • Paramount Elite Medicare Plans
    • UnitedHealthcare®
    • Wellcare

    Top Ranked Plans in Kentucky

    Here are the top-ranked Medicare Advantage plans in Kentucky, according to the Centers for Medicare & Medicaid Services:

    Top Medicare Advantage Plans in Kentucky

    Best Medicare Advantage Plans in Kentucky for 2025
    Provider Plan ID Plan Name Premium Limit Stars

    Whether or not you can join a plan from one of the top-rated providers depends on where you live. If your Kentucky County has the plan you want, and you qualify, you can enroll. Medicare Advantage plans are regional. Generally speaking, larger urban areas have more plan options than rural areas.

    Top-Rated Medicare Advantage Plans in Kentucky by County

    Choose your Kentucky County below to see the best (and the worst) plans.

    Adair County, KY Medicare Advantage Plans
    Allen County, KY Medicare Advantage Plans
    Anderson County, KY Medicare Advantage Plans
    Ballard County, KY Medicare Advantage Plans
    Barren County, KY Medicare Advantage Plans
    Bath County, KY Medicare Advantage Plans
    Bell County, KY Medicare Advantage Plans
    Boone County, KY Medicare Advantage Plans
    Bourbon County, KY Medicare Advantage Plans
    Boyd County, KY Medicare Advantage Plans
    Boyle County, KY Medicare Advantage Plans
    Bracken County, KY Medicare Advantage Plans
    Breathitt County, KY Medicare Advantage Plans
    Breckinridge County, KY Medicare Advantage Plans
    Bullitt County, KY Medicare Advantage Plans
    Butler County, KY Medicare Advantage Plans
    Caldwell County, KY Medicare Advantage Plans
    Calloway County, KY Medicare Advantage Plans
    Campbell County, KY Medicare Advantage Plans
    Carlisle County, KY Medicare Advantage Plans
    Carroll County, KY Medicare Advantage Plans
    Carter County, KY Medicare Advantage Plans
    Casey County, KY Medicare Advantage Plans
    Christian County, KY Medicare Advantage Plans
    Clark County, KY Medicare Advantage Plans
    Clay County, KY Medicare Advantage Plans
    Clinton County, KY Medicare Advantage Plans
    Crittenden County, KY Medicare Advantage Plans
    Cumberland County, KY Medicare Advantage Plans
    Daviess County, KY Medicare Advantage Plans
    Edmonson County, KY Medicare Advantage Plans
    Elliott County, KY Medicare Advantage Plans
    Estill County, KY Medicare Advantage Plans
    Fayette County, KY Medicare Advantage Plans
    Fleming County, KY Medicare Advantage Plans
    Floyd County, KY Medicare Advantage Plans
    Franklin County, KY Medicare Advantage Plans
    Fulton County, KY Medicare Advantage Plans
    Gallatin County, KY Medicare Advantage Plans
    Garrard County, KY Medicare Advantage Plans
    Grant County, KY Medicare Advantage Plans
    Graves County, KY Medicare Advantage Plans
    Grayson County, KY Medicare Advantage Plans
    Green County, KY Medicare Advantage Plans
    Greenup County, KY Medicare Advantage Plans
    Hancock County, KY Medicare Advantage Plans
    Hardin County, KY Medicare Advantage Plans
    Harlan County, KY Medicare Advantage Plans
    Harrison County, KY Medicare Advantage Plans
    Hart County, KY Medicare Advantage Plans
    Henderson County, KY Medicare Advantage Plans
    Henry County, KY Medicare Advantage Plans
    Hickman County, KY Medicare Advantage Plans
    Hopkins County, KY Medicare Advantage Plans
    Jackson County, KY Medicare Advantage Plans
    Jefferson County, KY Medicare Advantage Plans
    Jessamine County, KY Medicare Advantage Plans
    Johnson County, KY Medicare Advantage Plans
    Kenton County, KY Medicare Advantage Plans
    Knott County, KY Medicare Advantage Plans
    Knox County, KY Medicare Advantage Plans
    Larue County, KY Medicare Advantage Plans
    Laurel County, KY Medicare Advantage Plans
    Lawrence County, KY Medicare Advantage Plans
    Lee County, KY Medicare Advantage Plans
    Leslie County, KY Medicare Advantage Plans
    Letcher County, KY Medicare Advantage Plans
    Lewis County, KY Medicare Advantage Plans
    Lincoln County, KY Medicare Advantage Plans
    Livingston County, KY Medicare Advantage Plans
    Logan County, KY Medicare Advantage Plans
    Lyon County, KY Medicare Advantage Plans
    Madison County, KY Medicare Advantage Plans
    Magoffin County, KY Medicare Advantage Plans
    Marion County, KY Medicare Advantage Plans
    Marshall County, KY Medicare Advantage Plans
    Martin County, KY Medicare Advantage Plans
    Mason County, KY Medicare Advantage Plans
    McCracken County, KY Medicare Advantage Plans
    McCreary County, KY Medicare Advantage Plans
    McLean County, KY Medicare Advantage Plans
    Meade County, KY Medicare Advantage Plans
    Menifee County, KY Medicare Advantage Plans
    Mercer County, KY Medicare Advantage Plans
    Metcalfe County, KY Medicare Advantage Plans
    Monroe County, KY Medicare Advantage Plans
    Montgomery County, KY Medicare Advantage Plans
    Morgan County, KY Medicare Advantage Plans
    Muhlenberg County, KY Medicare Advantage Plans
    Nelson County, KY Medicare Advantage Plans
    Nicholas County, KY Medicare Advantage Plans
    Ohio County, KY Medicare Advantage Plans
    Oldham County, KY Medicare Advantage Plans
    Owen County, KY Medicare Advantage Plans
    Owsley County, KY Medicare Advantage Plans
    Pendleton County, KY Medicare Advantage Plans
    Perry County, KY Medicare Advantage Plans
    Pike County, KY Medicare Advantage Plans
    Powell County, KY Medicare Advantage Plans
    Pulaski County, KY Medicare Advantage Plans
    Robertson County, KY Medicare Advantage Plans
    Rockcastle County, KY Medicare Advantage Plans
    Rowan County, KY Medicare Advantage Plans
    Russell County, KY Medicare Advantage Plans
    Scott County, KY Medicare Advantage Plans
    Shelby County, KY Medicare Advantage Plans
    Simpson County, KY Medicare Advantage Plans
    Spencer County, KY Medicare Advantage Plans
    Taylor County, KY Medicare Advantage Plans
    Todd County, KY Medicare Advantage Plans
    Trigg County, KY Medicare Advantage Plans
    Trimble County, KY Medicare Advantage Plans
    Union County, KY Medicare Advantage Plans
    Warren County, KY Medicare Advantage Plans
    Washington County, KY Medicare Advantage Plans
    Wayne County, KY Medicare Advantage Plans
    Webster County, KY Medicare Advantage Plans
    Whitley County, KY Medicare Advantage Plans
    Wolfe County, KY Medicare Advantage Plans
    Woodford County, KY Medicare Advantage Plans
    Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

    For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

    Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Kentucky

    If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.

    1. Consider Your Expected Utilization

    Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.

    2. Evaluate Your Prescription Costs

    For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Kentucky Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.

    3. Assess Your Need for Supplemental Coverage

    Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.

    4. Consider Your Healthcare Providers

    Most Medicare Advantage plans available in Kentucky use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!

    Find Plans in your area with your ZIP Code

    Next Steps

    If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

    Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

    Frequently Asked Questions

    Still have questions? These common questions and answers might help.

    What is the biggest disadvantage of Medicare Advantage?

    Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.

    How much do Medicare Advantage plans cost in Kentucky?

    On average, the cost of a Medicare Advantage plan in Kentucky is $nan (based on 2025 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.

    What is every Medicare Advantage plan required to include?

    Approved Medicare Advantage plans sold in Kentucky must, at a minimum, cover everything that's in Original Medicare. But plans do not have to cover healthcare services at the same cost as Original Medicare. For example, Medicare Part A covers about 80% of hospital stays, skilled nursing care, home health care, and hospice care. Whereas Part B provides coverage for about 80% of outpatient services, including lab tests and doctor visits. Medicare Advantage plans set their own copays and deductibles, and often charge more than 20%. However, plans have an annual limit and Original Medicare doesn't.

    Citations & References

    • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
    • Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
    • Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
    • KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
    • Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
    • CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
    • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024

    For details on how we research, analyze, and construct plan information for Kentucky using CMS data, see our Medicare Plan Research Methodology.

    Plans Offered

    Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

    Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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