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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated April 30, 2025

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Medicare Advantage
 » 
Kentucky
 » 
Whitley County

Guide to Medicare Advantage Plans in Whitley County, KY for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 38 Medicare Advantage plans available in Whitley County, KY for the 2025 plan year, including 27 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Whitley County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. Anthem Medicare Advantage (HMO-POS) — 1,296 enrollees
    2. HumanaChoice H5216-317 (PPO) — 219 enrollees
    3. Humana USAA Honor Giveback with Rx (PPO) — 176 enrollees
  • Average Monthly Premium: $13.87
  • Average Maximum Out-of-Pocket Limit: $6,414
  • Average Prescription Drug Deductible: $327.33
  • Ratings (Plan Mix): 4+ Stars: 33% · 3 Stars: 67% · Below 3: 0%
  • Plan Type Breakdown 24 PPO · 9 HMO-POS · 3 REGIONAL PPO · 2 HMO

Whitley County, Kentucky Medicare Advantage Plans

Medicare Advantage Plans in Whitley County, KY for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Aetna Medicare Eagle* PPO $0 $6,900 N/A
☆☆☆☆☆
Aetna Medicare SmartFit* PPO $0 $4,500 $590
☆☆☆☆☆
Aetna Medicare Value* PPO $0 $6,350 $590
☆☆☆☆☆
Aetna Medicare Value Plus* PPO $50 $5,500 $250
☆☆☆☆☆
AARP Medicare Advantage Essentials from UHC KY-1 HMO-POS $0 $5,400 $340
☆☆☆☆☆
AARP Medicare Advantage Extras from UHC KY-5 HMO-POS $0 $6,700 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC KY-0002 HMO-POS $39 $3,900 $340
☆☆☆☆☆
AARP Medicare Advantage Giveback from UHC KY-4 HMO-POS $0 $6,700 $495
☆☆☆☆☆
Aetna Medicare Premier HMO-POS $0 $4,900 $0
☆☆☆☆☆
Anthem Medicare Advantage PPO $0 $6,750 $350
☆☆☆☆☆
Anthem Medicare Advantage 2 PPO $38 $4,950 $0
☆☆☆☆☆
Anthem Medicare Advantage 3 PPO $49 $5,900 $0
☆☆☆☆☆
Anthem Medicare Advantage Regional PPO $74 $6,750 $0
☆☆☆☆☆
Anthem Medicare Advantage HMO-POS $0 $4,900 $0
☆☆☆☆☆
Humana Gold Plus H5619-071 HMO $0 $5,500 $250
☆☆☆☆☆
Humana Gold Plus H5619-172 HMO $11 $6,750 $590
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $9,350 N/A
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $4,200 N/A
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $6,700 N/A
☆☆☆☆☆
Humana USAA Honor Giveback with Rx PPO $0 $9,350 $350
☆☆☆☆☆
HumanaChoice Giveback H5216-322 PPO $0 $9,350 $590
☆☆☆☆☆
HumanaChoice H5216-107 PPO $121 $6,750 $300
☆☆☆☆☆
HumanaChoice H5216-188 PPO $43 $6,800 $0
☆☆☆☆☆
HumanaChoice H5216-226 PPO $0 $6,800 $200
☆☆☆☆☆
HumanaChoice H5216-317 PPO $0 $6,750 $250
☆☆☆☆☆
HumanaChoice H5525-008 PPO $26 $6,750 $220
☆☆☆☆☆
HumanaChoice R0110-011 Regional PPO $0 $5,600 N/A
☆☆☆☆☆
HumanaChoice R0110-012 Regional PPO $39 $9,350 $245
☆☆☆☆☆
Wellcare Assist HMO-POS $37 $5,000 $590
☆☆☆☆☆
Wellcare Giveback HMO-POS $0 $6,700 $420
☆☆☆☆☆
Wellcare Patriot Giveback Open PPO $0 $6,000 N/A
☆☆☆☆☆
Wellcare Simple HMO-POS $0 $5,000 $420
☆☆☆☆☆
Wellcare Simple Open PPO $0 $6,000 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC KY-0003 PPO $0 $6,700 $420
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx KY-MA01 PPO $0 $6,700 N/A
☆☆☆☆☆
Anthem Veteran PPO $0 $6,700 N/A
☆☆☆☆☆
Devoted CHOICE GIVEBACK Kentucky PPO $0 $9,350 $590
☆☆☆☆☆
Devoted CHOICE Kentucky PPO $0 $5,500 $590
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Whitley County
Average Monthly Premium
$13.87
Plans with $0 Premium
27
Average MOOP Limit
$6,414 ($9,350 max. in 2025)
Average Rx Deductible
$327.33
Plans Without Drug Coverage
4 (standalone Kentucky Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 33% · 3 Stars: 67% · Below 3: 0%
Plans Available
38 (excluding Whitley County SNP plans)
Plan Type Breakdown
24 PPO · 9 HMO-POS · 3 REGIONAL PPO · 2 HMO
Countywide Enrollments
2,926 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Anthem Medicare Advantage (HMO-POS) — 1,296 enrollees
2. HumanaChoice H5216-317 (PPO) — 219 enrollees
3. Humana USAA Honor Giveback with Rx (PPO) — 176 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, or Part C, are health plans provided by private insurers that offer all-in-one coverage, combining Medicare Part A (hospital coverage) and Part B (medical coverage). Many of the 38 plans available to you in Whitley County also include additional benefits like prescription drug coverage, as well as dental, vision, and wellness services, offering a more comprehensive package than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Whitley County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 74 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus H5619-071 .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 1,094 Whitley County residents enrolled in PPO plans. The most popular of these plans by enrollments is HumanaChoice H5216-317 .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 1,693 residents enrolled in HMO-POS plans in this Whitley County. The most popular plan by enrollments is Anthem Medicare Advantage .

If you qualify for Original Medicare or Medicare Advantage in Whitley County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.

Here are some of the top advantages these plans offer Whitley County residents:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Selecting the ideal Medicare Advantage Plan from the 38 plans available in Whitley County involves evaluating several crucial aspects:

🏥1. Provider Network

Ensure your healthcare providers are within the plan's network to maintain continuity of care.

💊 2. Prescription Drug Coverage

Confirm that your current medications are included in the plan's formulary to avoid higher out-of-pocket costs.

💰 3. Costs

Assess the plan’s premium, deductible, and out-of-pocket expenses. The ideal plan aligns with both your financial situation and your healthcare needs.

🎁 4. Additional Benefits

Identify any additional benefits that are important to you, such as fitness programs, routine dental, or over-the-counter medication benefits, and ensure the plan includes them.

⭐ 5. Plan Ratings

If a plan offers the benefits you need at a price you can afford, be sure to check its CMS star ratings. This will help you avoid plans with known problems, like poor customer service.

Discover the key factors to consider when comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Enrolling in a Medicare Advantage Plan is a straightforward process, but timing is crucial to ensure you don't miss out on the benefits. Understanding when you can enroll will help you take full advantage of the options available in Whitley County.

📅 Initial Enrollment Period (IEP)

The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.

🗓️ Annual Enrollment Period (AEP)

The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.

To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Whitley County?

Based on the 2025 plan data, PPO plans are the most common in Whitley County. The full breakdown of plan types is: 24 PPO · 9 HMO-POS · 3 REGIONAL PPO · 2 HMO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Whitley County is $6,414 for 2025.

Do any Medicare Advantage plans in Whitley County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Whitley County for the 2025 plan year. However, 33% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Whitley County?

The average monthly premium for Medicare Advantage plans in Whitley County is $13.87. A total of 27 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier 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.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5521 488, H5521 442, H5521 156, H5521 490, H5253 099, H5253 128, H5253 100, H5253 127, H0628 008, H4036 036, H4036 035, H4036 034, R4487 001, H9525 013 1, H5619 071, H5619 172, H5216 442, H5216 105, H5216 225, H5216 396, H5216 322, H5216 107, H5216 188, H5216 226, H5216 317, H5525 008, R0110 011, R0110 012, H9730 010, H9730 007, H3975 002, H9730 009, H3975 001, H8768 013, H8768 020, H4909 023, H5718 002, H5718 001

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Corbin, Rockholds, Williamsburg, and all other areas of Whitley County, Kentucky, including the following zip codes: 40701, 40730, 40759, 40763, 40769, 40771, 40906, 40940.

Citations & References
  • Medicare.gov, "Compare types of Medicare Advantage Plans", Last Accessed 19 March, 2025
  • Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
  • Medicare.gov, "Learn How Medigap Works", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment
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Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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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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