Medicare Advantage HMO plans in Kentucky
There are 70 Medicare Advantage HMO plans in Kentucky from 10 carriers, averaging 3.65 out of 5 stars across the 68 plans CMS has rated. 72% of those with a published premium charge $0 a month (51 of 70); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 70 HMO plans in Kentucky that publish one, the in-network out-of-pocket maximum has a median of $7,150 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,246, which sits above the median — the spread is not symmetric, so the median is the better guide.
44% of Kentucky's HMO plans are Special Needs Plans.
31 of 70 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.
Kentucky HMO plans rank 32nd of 49 on star rating.
Across the 68 rated plans here the average overall rating is 3.65 stars, 32nd highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in Kentucky
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Community (HMO)Humana | 4.5★ | $4,250 | $0 |
| Humana Community HMO Diabetes and Heart (HMO C-SNP)Humana · Chronic or Disabling Condition SNP | 4.5★ | $4,250 | $0 |
| Humana Gold Plus H0292-002 (HMO)Humana | 4.5★ | $4,300 | $26 |
| Humana Gold Plus H0292-003 (HMO)Humana | 4.5★ | $4,450 | $0 |
| AARP Medicare Advantage from UHC OH-19 (HMO-POS)UnitedHealthcare | 4★ | $3,900 | $35 |
Showing 5 of 70. See all KentuckyMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 19 | 4.1 | 8 |
| UnitedHealthcareUnitedHealth Group, Inc. | 16 | 3.7 | 7 |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 12 | 3.5 | 2 |
| Aetna MedicareCVS Health Corporation | 9 | 3.5 | 5 |
| WellcareCentene Corporation | 5 | 3.0 | 3 |
| Passport AdvantageMolina Healthcare, Inc. | 3 | 3.5 | 3 |
| Abilis Health (HMO SNP)BrightSpring Health Services, Inc. | 2 | 3.5 | 2 |
| HealthSpringHealth Care Service Corporation | 2 | 2.5 | — |
| American Health Advantage of IndianaMitchell Family Office | 1 | — | 1 |
| Essence HealthcareLumeris Group Holdings Corporation | 1 | 4.0 | — |
How HMO compares
States with similar HMO star ratings
Kentucky Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Kentucky?
What are the star ratings for Kentucky HMO plans?
How many Medicare Advantage HMO plans are available in Kentucky?
Do Kentucky HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in Kentucky?
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