Best Medicare Advantage Plans in Kentucky (2027)

Aetna Medicare is the best Medicare Advantage company in Kentucky for 2027, combining lower out-of-pocket limits with $0 monthly premiums across all plans. Its HMO-POS plans have a $6,000 median maximum out-of-pocket (MOOP) limit, $850 below Kentucky's $6,850 HMO-POS median. Its PPO median of $6,350 is also $800 below the statewide PPO median of $7,150.

Aetna serves 87 counties, and its 4-star median CMS rating slightly exceeds Kentucky's 3.89-star average. All plans include vision and hearing benefits, with a $2,000 median hearing aid allowance. Dental coverage is less consistent. Only 56% of Aetna plans include dental benefits, well below Kentucky's 84% statewide rate across all carrier plans.

Humana has 29 Medicare Advantage plans across all 120 Kentucky counties for 2027, the largest selection among the state's top-ranked carriers. Its plans include seven HMOs, three HMO-POS plans, 17 PPOs and two Regional PPOs.

Humana's HMO plans have a $4,450 median maximum out-of-pocket (MOOP) limit, $475 below Kentucky's HMO median of $4,925. Its PPO median of $7,150 matches the statewide PPO median. Humana also has a 4.0-star median CMS rating, slightly above Kentucky's 3.89-star average.

All Humana plans include vision and hearing benefits, while all but one of its regional PPO plans include dental coverage. Its $1,000 median dental benefit maximum is half of Devoted Health's $2,000 and ties Aetna Medicare as the lowest in the state. About 79% of Humana's plans have $0 monthly premiums, compared with 86% statewide. Its remaining policies have modest premiums from $1 to $13 per month.

Devoted Health includes dental, vision and hearing benefits on all five of its PPO Medicare Advantage plans in Kentucky for 2027. Its supplemental coverage includes a $2,000 median dental benefit maximum, $350 median eyewear allowance and $248 median over-the-counter allowance. Hearing aids are also covered, though copays start at $399 per aid.

All five plans have $0 monthly premiums and are available across 101 Kentucky counties. Devoted's 4-star median CMS rating slightly exceeds the statewide average of 3.89 stars, while its CAHPS member satisfaction rating of 88 is the second-highest in the state.

Out-of-pocket costs are less competitive. Devoted's $7,850 median maximum out-of-pocket (MOOP) limit is the second-highest in the state overall and $700 above Kentucky's PPO median of $7,150. Its $475 median daily inpatient copay matches the statewide PPO median.

Essence Healthcare has two Medicare Advantage plans in Kentucky for 2027, one HMO and one PPO. Both have $0 monthly premiums and include dental and vision benefits, though the PPO dental maximum of $475 is well below the HMO maximum of $2,400. The HMO plan includes hearing coverage with a $1,000 allowance, but the PPO plan doesn't. Essence has a 4-star median CMS rating and a CAHPS member satisfaction rating of 87, which is above the state average of 86. 

Its $330 median daily inpatient copay is among the lowest of Kentucky's top-ranked carriers. Annual out-of-pocket limits are less competitive. Essence's HMO has a $5,400 maximum out-of-pocket (MOOP) limit, $475 above Kentucky's HMO median of $4,925. Its PPO MOOP of $9,850 exceeds the statewide PPO median of $7,150 by $2,700.

UnitedHealthcare has 13 Medicare Advantage plans across all but two Kentucky counties for 2027, including nine HMO-POS plans and four PPOs. All of its HMO-POS plans have $0 premiums, while two of its four PPO plans have a $1 monthly premium.

The carrier's $2,500 median dental benefit maximum is the highest in the state, though only 62% of its plans include dental coverage, compared with 84% statewide. There's a $700-$1,000 hearing allowance included on all plans, and most plans include vision with allowances from $150 to $350 depending on the plan.

UnitedHealthcare's median maximum out-of-pocket (MOOP) limit is $7,150 for both HMO-POS and PPO plans. This is $300 higher than Kentucky's HMO-POS median of $6,850 but matches the statewide PPO median of $7,150.

Anthem Blue Cross and Blue Shield is available statewide with both HMO-POS and PPO plan options. Anthem's HMO-POS plans have a $5,800 median MOOP, which is $1,050 below Kentucky's $6,850 HMO-POS median. Its PPO median of $9,250, however, is $2,100 above the statewide PPO median of $7,150. The carrier's 3.5-star median CMS rating also trails Kentucky's 3.89-star average.

Five of six Anthem plans have $0 monthly premiums, while the remaining plan charges a $28 monthly premium. All plans include hearing benefits, with a $2,000 to $3,000 hearing aid allowance, and 83% include dental and vision coverage.