2027 plan year · Kentucky
2027 Medicare Advantage plans in McLean County, KY
51 plans from 7 insurers for 2027. 16 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,450.
- 26general plans
- 16$0-premium plans
- $4,450lowest out-of-pocket max
- 4.5 ★top star rating
- 25Special Needs Plans
2027 Medicare Advantage plans in McLean County, KY
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Anthem Medicare Advantage (PPO) Anthem Blue Cross and Blue Shield · PPO · includes drug coverage | $41 | $9,250 | $250 | ★★★★★4.5 |
| Anthem Medicare Advantage 3 (PPO) Anthem Blue Cross and Blue Shield · PPO · includes drug coverage | $70 | $5,900 | $300 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,500 | — | ★★★★★4 |
| Humana Gold Plus H5619-188 (HMO) Humana · HMO · includes drug coverage | $0 | $6,700 | $0 | ★★★★★4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $6,900 | — | ★★★★★4 |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,150 | — | ★★★★★4 |
| Aetna Medicare Value Plus (PPO) Aetna Medicare · PPO · includes drug coverage | $9.50 | $5,500 | $500 | ★★★★★4 |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $19 | $7,150 | $685 | ★★★★★4 |
| HumanaChoice H5216-188 (PPO) Humana · PPO · includes drug coverage | $45 | $7,150 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC KY-0003 (PPO) UnitedHealthcare · PPO · includes drug coverage | $57 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $64 | $6,700 | $685 | ★★★★★4 |
| Aetna Medicare Signature Extra (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $5,200 | $400 | ★★★★★3.5 |
| HumanaChoice R0110-011 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $5,400 | — | ★★★★★3.5 |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross and Blue Shield · HMO-POS · includes drug coverage | $0 | $7,150 | $595 | ★★★★★3.5 |
| Anthem Medicare Advantage 2 (HMO-POS) Anthem Blue Cross and Blue Shield · HMO-POS · includes drug coverage | $35 | $4,450 | $595 | ★★★★★3.5 |
| HumanaChoice R0110-012 (Regional PPO) Humana · Regional PPO · includes drug coverage | $68 | $9,850 | $450 | ★★★★★3.5 |
| Anthem Medicare Advantage (Regional PPO) Anthem Blue Cross and Blue Shield · Regional PPO · includes drug coverage | $123 | $9,250 | $45 | ★★★★★3.5 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $7,000 | $700 | ★★★★★3 |
| Wellcare Simple Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $7,500 | $700 | ★★★★★3 |
| Anthem Veteran (PPO) Anthem Blue Cross and Blue Shield · PPO · no drug coverage | $0 | $9,250 | — | ★★★★★3 |
| Wellcare Giveback (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Senior Living Plan (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $6,180 | $400 | ★★★★★4.5 |
| Humana Together in Health (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| UHC Complete Care KY-6 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| Humana Dual QMB Only (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $350 | ★★★★★4 |
| Humana Dual Select H5619-075 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $250 | ★★★★★4 |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Humana Together in Health (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★4 |
| Anthem Kidney Care (HMO-POS C-SNP) Anthem Blue Cross and Blue Shield · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,050 | $50 | ★★★★★3.5 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3.5 |
| Abilis Health Community (HMO I-SNP) Abilis Health (HMO SNP) · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Aetna Medicare HIDE (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Anthem Chronic Care Advantage (HMO C-SNP) Anthem Blue Cross and Blue Shield · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $235 | ★★★★★3.5 |
| Abilis Health (HMO I-SNP) Abilis Health (HMO SNP) · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $16.20 | $9,850 | $700 | ★★★★★3.5 |
| Passport Advantage (HMO D-SNP) Passport Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete KY-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete KY-S3 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★3.5 |
| Wellcare Dual Reserve (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $6,700 | $700 | ★★★★★3 |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Dual Access (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Dual Access Sync Open (PPO D-SNP) Wellcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0.90 | $9,850 | $700 | ★★★★★3 |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $6,700 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 10 plans are new here for 2027.
- 13 plans offered here in 2026 aren't listed for 2027 (for example Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP), Wellcare Patriot Giveback Open (PPO), Humana USAA Honor Giveback (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 41 plans offered both years, 8 raised the monthly premium and 16 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Other coverage options
- Stand-alone Part D drug plans in Kentucky (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in McLean County, KY for 2027?
51 plans from 7 insurers: 26 general plans open to anyone with Medicare Parts A and B who lives here, plus 25 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in McLean County, KY?
Yes. 16 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in McLean County, KY?
Humana Essentials Plus Giveback (PPO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in McLean County, KY?
Anthem Medicare Advantage 2 (HMO-POS) caps in-network out-of-pocket costs at $4,450 for 2027.