Medicare Advantage in Kentucky

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Kentucky state

Information about Medicare Advantage Plans in Kentucky

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32 percent of Medicare beneficiaries in Kentucky were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 1,241 different Kentucky Medicare Advantage plans in 2019.1

Call to speak with a licensed insurance agent who can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Kentucky.

You can also learn more about other types of Medicare plans that may be available in your area:

Average costs of Medicare Advantage in Kentucky

Kentucky Medicare Advantage plans had an average premium of $10 per month in 2019.

There were 435 available plans in Kentucky that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $10
  • Average in-network out-of-pocket spending limit: $4,478
  • Average deductible in 2019 (weighted): $15.051

It's important to note that Medicare Advantage plan costs can vary from one region of Kentucky to another.

Some of the average costs and enrollment numbers for 2019 Kentucky Medicare Advantage plans are listed by county below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Kentucky Medicare Advantage plan costs

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

Enrolling in a Medicare Advantage plan in Kentucky requires that you first enroll in Medicare Part A and Part B, also known together as Original Medicare.

You may be able to sign up for Medicare at age 65 if:

  • You are a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse worked long enough to qualify for Social Security or Railroad Retirement benefits.

  • You or your spouse are government employees or retirees who paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Kentucky Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Kentucky

The first time you may be able to enroll in a Kentucky Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP), when you first become eligible for Medicare.

Medicare Initial Enrollment Period graphic

Your Medicare IEP begins three months before your 65th birthday, includes the month of your birthday and extends for three additional months thereafter.

You may also be able to sign up for a Medicare Advantage plan during the following enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

During the Medicare Advantage Open Enrollment Period, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

Medicare AEP lasts from October 15 to December 7 every year. During this period, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

If you have a Medicare Advantage plan, you can disenroll from your plan during AEP and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) for qualifying circumstances, though the requirements are specific and can affect your enrollment eligibility in different ways.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Kentucky Medicare Advantage plan

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Kentucky 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) uses a system of one to five stars to rate all Medicare Advantage plans in the U.S.2

Poor-performing plans are given 1 star, while higher-performing plans are given 5 stars. The ratings are based on information taken from plan member surveys and regular Medicare monitoring activities.

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 592 top-rated 2019 Medicare Advantage plans in Kentucky that are rated four stars or higher, which is nearly half (over 47 percent) of all MA plans available in Kentucky in 2019.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

List of Medicare Advantage Plans Available in Kentucky in 2019

You can view a list of plans offered in your area of Kentucky by using our plan comparison tool.

Find a Kentucky Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Kentucky

A number of different insurance carriers may offer Medicare Advantage plans in Kentucky. The availability of plans where you live can vary depending on the county in which you reside.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

A licensed insurance agent can help you compare Medicare Advantage plans that are sold by insurance companies in your area.

You can also refer to the following information sources to help you compare your plan options:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Kentucky Medicare Advantage plans by county

The chart below provides some more information about 2019 Kentucky Medicare Advantage plans by county.1

  • Boone County, Kenton County and Campbell County had the highest number of top-rated plans in 2019, each with 13 plans receiving Star Ratings of 4 stars or higher.

  • The largest number of Medicare Advantage beneficiaries in 2019 were in Jefferson County, where 99.8 percent of MA enrollees were part of a $0 premium plan.
2019 KY Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adair 1100 24% 11 3 27.3%
Allen 1333 28% 13 5 38.5%
Anderson 1972 41% 11 5 45.5%
Ballard 460 22% 6 2 33.3%
Barren 2817 27% 10 3 30.0%
Bath 1142 38% 10 3 30.0%
Bell 1650 23% 7 2 8.0%
Boone 8864 39% 25 10 22.7%
Bourbon 1817 38% 16 7 43.8%
Boyd 3734 29% 12 4 33.3%
Boyle 2241 30% 8 2 25.0%
Bracken 660 33% 7 2 28.6%
Breathitt 1109 30% 7 2 28.6%
Breckinridge 1111 21% 9 3 33.3%
Bullitt 5811 35% 17 8 47.1%
Butler 1045 33% 14 6 42.9%
Caldwell 831 24% 4 1 25.0%
Calloway 2439 29% 11 4 36.4%
Campbell 7185 40% 25 10 24.3%
Carlisle 370 27% 7 2 28.6%
Carroll 802 31% 12 4 33.3%
Carter 2113 30% 12 4 33.3%
Casey 998 24% 11 3 27.3%
Christian 2607 21% 6 1 3.4%
Clark 3237 38% 16 7 43.8%
Clay 1848 36% 10 3 30.0%
Clinton 578 22% 11 3 27.3%
Crittenden 574 24% 8 2 25.0%
Cumberland 474 25% 13 3 23.1%
Daviess 6404 28% 8 4 50.0%
Edmonson 980 31% 14 6 42.9%
Elliott 734 43% 7 2 28.6%
Estill 1005 27% 5 1 20.0%
Fayette 19923 38% 20 8 40.0%
Fleming 1119 30% 7 2 28.6%
Floyd 3110 29% 9 2 22.2%
Franklin 5870 39% 17 7 41.2%
Fulton 478 25% 9 2 22.2%
Gallatin 501 37% 13 5 38.5%
Garrard 1170 27% 6 2 33.3%
Grant 2277 40% 16 7 35.3%
Graves 2838 31% 9 4 44.4%
Grayson 1490 23% 7 2 10.0%
Green 806 27% 11 3 27.3%
Greenup 2970 30% 12 4 33.3%
Hancock 404 19% 8 3 37.5%
Hardin 4966 23% 16 8 50.0%
Harlan 2243 29% 11 3 27.3%
Harrison 1298 30% 8 4 50.0%
Hart 1132 26% 9 4 44.4%
Henderson 3644 34% 10 4 40.0%
Henry 1475 39% 14 6 42.9%
Hickman 324 23% 9 2 22.2%
Hopkins 3085 27% 4 1 25.0%
Jackson 913 28% 10 3 30.0%
Jefferson 54647 36% 19 9 99.8%
Jessamine 3788 37% 19 8 42.1%
Johnson 1865 29% 11 3 27.3%
Kenton 11874 39% 25 10 23.5%
Knott 1357 33% 11 3 27.3%
Knox 2056 24% 6 2 33.3%
Larue 906 25% 7 2 28.6%
Laurel 3810 26% 7 2 10.0%
Lawrence 1072 26% 6 2 33.3%
Lee 466 24% 6 2 33.3%
Leslie 1070 36% 10 3 30.0%
Letcher 1963 30% 9 2 22.2%
Lewis 819 26% 6 2 33.3%
Lincoln 1798 28% 8 2 25.0%
Livingston 625 23% 10 3 30.0%
Logan 1602 25% 13 4 30.8%
Lyon 661 26% 6 2 33.3%
Madison 6702 38% 18 8 44.4%
Magoffin 1105 33% 11 3 27.3%
Marion 1044 25% 12 4 33.3%
Marshall 2302 26% 11 4 19.0%
Martin 831 28% 9 2 22.2%
Mason 1231 29% 5 1 20.0%
McCracken 4451 26% 9 4 44.4%
McCreary 988 24% 6 2 33.3%
McLean 777 31% 6 2 33.3%
Meade 1449 25% 12 4 33.3%
Menifee 704 37% 10 3 30.0%
Mercer 1832 33% 4 1 25.0%
Metcalfe 854 31% 9 2 22.2%
Monroe 689 24% 13 3 23.1%
Montgomery 2276 36% 12 5 41.7%
Morgan 1141 36% 9 2 10.0%
Muhlenberg 2444 31% 6 2 33.3%
Nelson 2817 28% 17 7 41.2%
Nicholas 452 26% 5 1 20.0%
Ohio 1856 31% 6 2 33.3%
Oldham 3227 30% 16 8 50.0%
Owen 935 36% 13 5 38.5%
Owsley 274 22% 8 2 25.0%
Pendleton 1335 40% 16 7 38.9%
Perry 2050 28% 11 3 27.3%
Pike 5171 30% 9 2 8.3%
Powell 1109 34% 10 3 30.0%
Pulaski 5185 29% 6 2 33.3%
Robertson 143 27% 6 2 33.3%
Rockcastle 1128 26% 6 2 33.3%
Rowan 1878 38% 9 3 33.3%
Russell 1145 25% 5 1 20.0%
Scott 3444 39% 16 7 43.8%
Shelby 2973 33% 16 7 43.8%
Simpson 1060 25% 11 4 36.4%
Spencer 1182 32% 16 7 43.8%
Taylor 1513 23% 7 2 28.6%
Todd 502 20% 4 1 25.0%
Trigg 1032 25% 4 1 25.0%
Trimble 639 31% 13 5 38.5%
Union 1113 34% 8 2 25.0%
Warren 6431 30% 14 6 42.9%
Washington 696 24% 4 1 25.0%
Wayne 1403 26% 4 1 25.0%
Webster 1056 32% 7 2 28.6%
Whitley 2275 24% 11 3 27.3%
Wolfe 654 31% 6 2 33.3%
Woodford 2529 41% 18 8 44.4%

KY Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Kentucky Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Kentucky enrollees (2019)
HMO 89.8%
Local PPO 5.1%
Regional PPO 3.5%
PPFS 1.6%

The major types of Medicare Advantage plans include:

  • HMO
    Most Health Maintenance Organization (HMO) plans require you to visit health care providers who are in the plan network. An HMO plan will also typically require you to get a referral from a primary care doctor before you can see a specialist.

  • PPO
    If you have a Preferred Provider Organization (PPO) plan, you may be able to visit providers outside of your plan's network, though you will typically pay higher out-of-pocket costs when you do so.

    PPO plans typically do not require you to get a referral before you can see a specialist.

  • PFFS
    Private Fee-For-Service (PFFS) plans determine how much they pay and how much you are responsible for paying at the time that you receive care services.

    With most PFFS plans, you can typically visit any health care provider who accepts Medicare and who also accepts your plan's terms.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must visit health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care. All SNPs provide prescription drug coverage.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Kentucky Medicare Advantage plans that are available where you live.

Local health insurance resources in Kentucky

  • Kentucky’s State Health Insurance Assistance Program offers assistance, information and counseling to Kentucky’s seniors and disabled individuals, as well as their families and their caregivers.

    This free program may be contacted at 877-293-7447 (option 2) with any questions regarding Medicare, Medicare Advantage or other health insurance benefits.      

  • You can also explore more information about the insurance industry in Kentucky by visiting the state’s Department of Insurance website.

  • Kentucky Prescription Drug Assistance Programs
    The state of Kentucky has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.