Best Kentucky Medicare Advantage Plans

The Centers for Medicare & Medicaid Services (CMS) has a five-star quality rating system that helps consumers compare plans more easily. Along with our own evaluation, MoneyGeek also used this rating system to find the best plans. Below shows the best Medicare Advantage Plans in Kentucky whether you need a specific plan type, drug coverage or to limit out-of-pocket costs.

Note these are general recommendations and the best one for you may be different from other shoppers. Consider checking with your preferred providers to see whether they are in the network of the plan you want to purchase.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Kentucky.

Considering your needs and preferences is one way to determine the best Medicare Advantage plan for you in Kentucky.

For example, a shopper in Kentucky wants a PPO plan with drug coverage, eight core benefits and a high rating from the Centers for Medicare & Medicaid Services (CMS). Aetna Medicare Value Plan is the best choice for this shopper.

A Preferred Provider Organization (PPO) plan is more expensive than other plan types but it has a wider network range making it more flexible. Under this plan, you are not restricted to a specific number of providers. If you need to consult a physician outside of your network for a specific medical condition, the plan allows you to do so with an additional copay.

Your individual needs and preferences are important considerations when finding the best HMO Medicare Advantage Plan in Kentucky.

If you are looking for an HMO plan with drug coverage, eight core benefits and a high rating from the CMS, the best choice is the AARP Medicare Advantage Plan 1.

A Health Maintenance Organization (HMO) Plan is typically cheaper but has a more restrictive network than a PPO. That means you are only allowed to consult with your designated primary care physician and must schedule a referral before visiting a specialist.

If you don’t need a Part D prescription drug coverage or are getting the same creditable coverage from elsewhere, there might be more options for you in the state. However, not selecting this coverage the first time it was offered in enrollment might result in surcharges or penalties when you decide you need them.

Whether you need drug coverage or not, UnitedHealthcare’s AARP Medicare Advantage Plan 1 is still the best option in Kentucky. It has seven essential benefits and a high rating from the CMS.

Getting a Medicare Advantage Plan with low or no premiums often results in paying thousands of dollars out-of-pocket.

Finding a plan that has a low in-network max out-of-pocket limit means you can avoid spending too much. Opting for a low maximum out-of-pocket limit means you need to only spend less of your money. After you reach the limit isaid amount, the plan immediately kicks in.

For shoppers looking for a Medicare Advantage plan with a low in-network max out-of-pocket limit, with or without drug coverage, eight core benefits, and a high rating from CMS, the best Medicare Advantage plan in Kentucky for you is Aetna Medicare Value Plan.

Finding the best Medicare Advantage plan in Kentucky from seven health care organizations means shopping around and comparing plans. The information below compares the number of plans and features that are generally available in the state.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Kentucky were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Kentucky based on county availability.