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Medicare Advantage Plans in Kentucky


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When you enroll in a Medicare Advantage plan in Kentucky (as in any state), you can be sure that:

  • You’ll get the same Medicare Part A hospital coverage as you would through the government program.*
  • You’ll get the same Medicare Part B medical benefits as you would through the government program.
  • You’ll still be enrolled in the Medicare program.

Keep reading to learn more about Medicare Advantage plans in Kentucky.

*Hospice benefits still come directly through Part A instead of through the Medicare Advantage plan.

How many people have Medicare Advantage plans in Kentucky?

Medicare Advantage** enrollment in Kentucky has been rising steadily for the past few years. More than a quarter of Medicare beneficiaries in the state have Medicare Advantage in Kentucky.

  • More than 900,000 people in Kentucky are enrolled in the Medicare program.
  • Of those, more than 281,000 are enrolled in Medicare Advantage plans in Kentucky.
  • Everyone in the state with Medicare has access to at least one of the 56 Medicare Advantage plans available in Kentucky.

**These figures also include enrollment in other Medicare health plans.

Source: The Centers for Medicare & Medicaid Services (CMS), 2018

What is Medicare Advantage in Kentucky?

As noted above, the Medicare Advantage (Medicare Part C) program in Kentucky gives you a way to get your Part A and Part B benefits through a private, Medicare-approved insurance company. Medicare Advantage works the same way in every state where it’s available.

What’s so special about getting your Original Medicare benefits through a Medicare Advantage plan in Kentucky? Everyone has unique medical needs and preferences, but here’s why Medicare Advantage might appeal to some people in Kentucky:

  • Most Medicare Advantage plans include prescription drug coverage.
  • Many Medicare Advantage plans include extra benefits, such as routine vision, dental, and/or hearing services.
  • Some Medicare Advantage plans have monthly premiums as low as $0. Still, you must keep paying your monthly Medicare Part B premium no matter what type of plan you may have.
  • There’s an annual maximum out-of-pocket limit with every Medicare Advantage plan. This isn’t true for Original Medicare, Part A and Part B. If your out-of-pocket spending for covered medical services reaches that limit, the plan generally covers your approved medical expenses for the rest of the year. This limit may vary among plans and may change from year to year.

There are several types of Medicare Advantage plans in Kentucky, but keep in mind that not every type of plan may be available in your area.

When can I sign up for a Medicare Advantage plan in Kentucky?

You can generally sign up for a Medicare Advantage plan during specific time periods.

  • When you’re first eligible for Medicare, you can usually sign up for a Medicare Advantage plan during your Medicare Initial Enrollment Period. You need both Medicare Part A and Part B, so if you decide to delay enrollment in Part B, you generally can’t sign up for Medicare Advantage in Kentucky until you’re enrolled in both Part A and Part B. Read more details about Medicare Advantage enrollment periods
  • Another opportunity to sign up for a Medicare Advantage plan occurs during the Annual Election Period (October 15 – December 7). If you want to switch or drop a Medicare health plan, that’s also generally possible during this period.
  • In some cases, you might qualify for a Special Election Period to enroll in a Medicare Advantage plan. Usually this period is available if your current coverage is ending. Some examples may include moving out of a plan’s service area or the plan’s coverage ending.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.

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eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.