Kentucky · 2026 plan year
Medicare Advantage PPO plans in Kentucky
There are 40 Medicare Advantage PPO plans in Kentucky from 7 carriers, averaging 3.74 out of 5 stars across the 34 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
40
PPO plans
7
Carriers
120
Counties covered
3.7
Avg stars (34 of 40 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Kentucky PPO plans rank 35th of 51 on star rating.
Across the 34 rated plans here the average overall rating is 3.74 stars, 35th highest of the 51 states with PPO 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.
Highest rated
Top-rated PPO plans in Kentucky
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare | 4.5★ | — | $0 |
| Aetna Medicare Premier (PPO)Aetna Medicare | 4.5★ | — | $11 |
| Aetna Medicare Signature (PPO)Aetna Medicare | 4.5★ | — | $0 |
| Aetna Medicare Value Plus (PPO)Aetna Medicare | 4.5★ | — | $0 |
| Humana USAA Honor Giveback with Rx (PPO)Humana | 4.5★ | — | $0 |
Showing 5 of 40. See all KentuckyMedicare Advantage plans →
Who sells here
PPO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 14 | 3.6 | 2 |
| Aetna MedicareCVS Health Corporation | 6 | 4.5 | — |
| Devoted HealthDevoted Health, Inc. | 6 | — | 3 |
| UnitedHealthcareUnitedHealth Group, Inc. | 6 | 3.7 | 2 |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 4 | 3.8 | — |
| WellcareCentene Corporation | 3 | 3.0 | 1 |
| Cigna HealthCareHealth Care Service Corporation | 1 | 3.0 | — |
Other plan types in Kentucky
How PPO compares
Nearby on quality
States with similar PPO star ratings
Common questions
Kentucky Medicare Advantage PPO plans, answered
How much do Medicare Advantage PPO plans cost in Kentucky?
Of the Kentucky PPO plans with a published premium, 95% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Kentucky PPO plans?
The 34 rated PPO plans in Kentucky average 3.74 out of 5 stars, with 12 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Kentucky?
There are 40 PPO plans from 7 carriers, sold across 120 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 8 of them are Special Needs Plans with extra eligibility rules (see below).
Do Kentucky PPO plans include prescription drug coverage?
40 of the 40 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Kentucky?
8 of the 40 PPO plans in Kentucky are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
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