2025 Guide to Medicare Advantage Plans in Kentucky
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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
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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
| 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.
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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
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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.