Find 2019 Medicare Plans in Kentucky - KY Medicare Insurance Overview

Compare every Medicare plan in your area

Kentucky Medicare Insurance

Medicare in Kentucky

Medicare offers healthcare coverage to Kentucky residents age 65 or older, or to those Kentucky residents that suffer from certain medical disabilities. In 2016, 834,000 people are enrolled in Medicare in Kentucky, accounting for 19.2% of the population in Kentucky. In 2009 approximately $9,634 was spent per Medicare enrollee in Kentucky, about 7.05% lower than the national average of $10,365. Between 2015 to 2030 the senior population in Kentucky is expected to increase by an estimated 41.75% according to calculations based off of the 2000 Census. Therefore the number of eligible Medicare beneficiaries in Kentucky is also predicted to grow.

Local Medicare Resources

Medicare beneficiaries, their families, and their caregivers can receive free, one-on-one, and unbiased health insurance counseling from the Kentucky State Health Insurance Assistance Program (SHIP). Another program called the Kentucky Senior Medicare Patrol (KY SMP) empowers and assists individuals on how to detect, avoid, and report cases of Medicare fraud, abuse, and/or waste.

Types of Medicare Coverage

Individuals that qualify for Medicare can sign up for Medicare Part A (hospital services) and Part B (medical services) through the Federal government. Part A is generally paid for by paycheck deductions from their working years (or their spouse's) but most Medicare beneficiaries pay for Part B through monthly premiums unless they qualify for financial assistance. If you are eligible for Original Medicare (Parts A & B) or if you are already enrolled in it, you also have the option to enroll in a Medicare Advantage plan (Part C) instead of Original Medicare or add a stand alone prescription drug plan (Part D) to your current Original Medicare coverage. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Additional benefits of Medicare Advantage plans such as dental, vision, or hearing coverage can help reduce out-of-pocket expenses for seniors with certain medical needs.

Kentucky 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Kentucky is $46.26, 25.96% less than the national average of $62.48. 32.47% of 2017 Medicare Part C insurance plans in Kentucky have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $360, but in Kentucky the average annual drug deductible for Medicare Part C insurance plans with drug components is $185.91. 34.83% of 2017 Medicare Part C insurance plans with a drug component in Kentucky have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Kentucky is $1.38. 95.24% of 2017 Medicare Part C insurance plans without a drug component in Kentucky have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Kentucky is $6,272.78. 0.68% of 2017 Medicare Advantage plans in Kentucky had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Kentucky was 3.1000000000000001 stars in 2017.
  • Among Kentucky's 2017 Medicare Advantage plans with CMS star ratings:
    • 4.41% earned a score of 4 or 4.5 stars
    • 66.52% earned a score of 3 or 3.5 stars
    • 15.84% earned a score of 2 or 2.5 stars
    • 13.24% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

See More ▼Collapse ▲

Kentucky Medicare Insurance Companies

There are 16 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Kentucky. Of these, the companies that offer the largest variety of plans to choose from are Humana, UnitedHealthcare, and Anthem BCBS. In Kentucky,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Kentucky:

Humana

29 Plans

Aetna

5 Plans

WellCare

3 Plans

Cigna

3 Plans

BCBS OF ALABAMA & UTIC INSURANCE COMPANY

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Mutual of Omaha Medicare Advantage Company

2 Plans

2019 Featured Medicare Plans in Kentucky

There are 74 medicare plans in Kentucky. The following are the 10 highest rated medicare plans in Kentucky based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $0Humana - HumanaChoice H5216-105 (PPO) - Adair County
Remove X
Details
from $0Humana - Humana Gold Plus H5619-071 (HMO) - Bourbon County
Remove X
Details
from $0UnitedHealthcare - AARP MedicareComplete Plan 6 (HMO) - Boone County
Remove X
Details
from $0Humana - Humana Gold Plus H5619-050 (HMO) - Henderson County
Remove X
Details
from $0Humana - Humana Gold Plus H5619-073 (HMO) - Bullitt County
Remove X
Details
from $0Humana - Humana Gold Plus H6622-021 (HMO) - Boone County
Remove X
Details
from $15Humana - HumanaChoice H5216-188 (PPO) - Adair County
Remove X
Details
from $15Humana - HumanaChoice H5216-113 (PPO) - Henderson County
Remove X
Details
from $19Humana - HumanaChoice H5216-109 (PPO) - Boone County
Remove X
Details
from $26UnitedHealthcare - AARP MedicareComplete Plan 1 (HMO) - Fayette County
Remove X
Details
See all Medicare plans in Kentucky

Kentucky Featured Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Kentucky based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $0Aetna - Aetna Medicare Value Plan (HMO) - Anderson County
Remove X
Details
from $89Humana - Humana Gold Choice H8145-021 (PFFS) - Allen County
Remove X
Details
from $195Humana - HumanaChoice H5216-187 (PPO) - Fayette County
Remove X
Details
from $155Humana - HumanaChoice H5525-030 (PPO) - Boone County
Remove X
Details
from $120Aetna - Aetna Medicare Standard Plan (PPO) - Boone County
Remove X
Details

Kentucky Featured Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Kentucky based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $89Humana - Humana Gold Choice H8145-021 (PFFS) - Allen County
Remove X
Details
from $0Aetna - Aetna Medicare Value Plan (HMO) - Anderson County
Remove X
Details
from $87Humana - Humana Gold Plus H6622-019 (HMO) - Boone County
Remove X
Details
from $0Humana - Humana Gold Plus H6622-021 (HMO) - Boone County
Remove X
Details
from $195Humana - HumanaChoice H5216-187 (PPO) - Fayette County
Remove X
Details

Kentucky Featured Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Kentucky based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $120Aetna - Aetna Medicare Standard Plan (PPO) - Boone County
Remove X
Details
from $35Aetna - Aetna Medicare Value Plan (PPO) - Anderson County
Remove X
Details
from $110Humana - Humana Gold Choice H2944-127 (PFFS) - Adair County
Remove X
Details
from $64UnitedHealthcare - UnitedHealthcare MedicareDirect Rx (PFFS) - Calloway County
Remove X
Details
from $62Anthem BCBS - Anthem MediBlue Access Basic (Regional PPO)
Remove X
Details

Kentucky Featured Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Kentucky based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $120Aetna - Aetna Medicare Standard Plan (PPO) - Boone County
Remove X
Details
from $87Humana - Humana Gold Plus H6622-019 (HMO) - Boone County
Remove X
Details
from $35Aetna - Aetna Medicare Value Plan (PPO) - Anderson County
Remove X
Details
from $0Humana - Humana Gold Plus H6622-021 (HMO) - Boone County
Remove X
Details
from $0Humana - Humana Gold Plus H5619-073 (HMO) - Bullitt County
Remove X
Details

Most Popular Medicare Doctors in Kentucky

The following are the most popular medicare doctors in Kentucky based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
Internal MedicineOWENSBORO, KY
DermatologyLOUISVILLE, KY
DermatologyBOWLING GREEN, KY
Orthopaedic SurgeryBOWLING GREEN, KY
OphthalmologyLEXINGTON, KY
OphthalmologyLOUISVILLE, KY
SurgeryPADUCAH, KY
RadiologyLEXINGTON, KY
RadiologyLEXINGTON, KY
Orthopaedic SurgeryELIZABETHTOWN, KY
See all doctors accepting Medicare in Kentucky

Browse Medicare Plans by Cities

  1. Louisville, KY
  2. Lexington, KY
  3. Bowling Green, KY
  4. Owensboro, KY
  5. Covington, KY
  6. Hopkinsville, KY
See all cities in Kentucky

Related Articles

Related Search

{"globalPhoneNumber":"8009316467","helpInfo":{"phone":"8009316467","analyticsInfo":{"pageType":"content","productLine":"medicare","phone":"8009316467"}}}