Best Medicare Advantage Plans in Hardin County, KY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Hardin County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Hardin County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS97 of 120 counties · drug deductible $595Dental up to $2,000/yr · eyewear $250/yr · hearing aids $2,000/yr · OTC items $120/yr | $35 | $4,450 | $4,870 | 3.5★ |
| 2 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS26 of 120 counties · drug deductible $400Preventive dental · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 3 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO75 of 120 counties · drug deductible $500Dental up to $1,500/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $380/yr | $9.50 | $5,500 | $5,614 | 4★ |
| 4 | Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPOAll 120 counties · drug deductible $300Dental up to $2,500/yr · eyewear $150/yr · hearing aids $3,000/yr | $70 | $5,900 | $6,740 | 4.5★ |
| 5 | Wellcare Simple (HMO-POS)Wellcare · HMO-POSAll 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $350/yr per ear · OTC items $360/yr | $0 | $7,000 | $7,000 | 3★ |
| 6 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS97 of 120 counties · drug deductible $595Dental up to $1,000/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 7 | HumanaChoice H5216-019 (PPO)Humana · PPO26 of 120 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr | $34 | $6,800 | $7,208 | 4★ |
| 8 | Wellcare Simple Open (PPO)Wellcare · PPOAll 120 counties · drug deductible $700Dental up to $1,500/yr · OTC items $228/yr | $0 | $7,500 | $7,500 | 3★ |
| 9 | HumanaChoice H5216-188 (PPO)Humana · PPO115 of 120 counties · drug deductible $700Dental up to $3,500/yr · eyewear $100/yr | $45 | $7,150 | $7,690 | 4★ |
| 10 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 120 counties · drug deductible $700Part B giveback $126/mo · Dental up to $500/yr · eyewear $100/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4.5★ |
| 11 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POSAll 120 counties · drug deductible $700Part B giveback $65/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$65 Part B giveback | $9,850 | $9,070 | 3★ |
| 12 | Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPOAll 120 counties · drug deductible $250Dental up to $1,500/yr · eyewear $250/yr · hearing aids $2,000/yr | $41 | $9,250 | $9,742 | 4.5★ |
| 13 | HumanaChoice R0110-012 (Regional PPO)Humana · Regional PPOAll 120 counties · drug deductible $450Dental · eyewear $100/yr | $68 | $9,850 | $10,666 | 3.5★ |
| 14 | Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield · Regional PPOAll 120 counties · drug deductible $45Preventive dental · hearing aids $2,000/yr · OTC items $140/yr | $123 | $9,250 | $10,726 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 25 in 2026, 19 in 2027.
- $0-premium plans: 16 in 2026, 11 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $7,150 in 2027.
- 6,427 people here were in a general-audience Advantage plan in October 2026; 1,035 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle Giveback (PPO), HumanaChoice R0110-011 (Regional PPO), Humana USAA Honor Giveback (PPO), Anthem Veteran (PPO).
Questions
How many Medicare Advantage plans are in Hardin County for 2027?
14 general-audience plans with drug coverage, 6 of them with a $0 monthly premium, compared with 25 plans and 16 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Hardin County?
Anthem Medicare Advantage 2 (HMO-POS) from Anthem Blue Cross and Blue Shield: $35 a month with an in-network out-of-pocket maximum of $4,450, so at most about $4,870 for the year in premiums and in-network costs.
Do any Hardin County plans have a Part B giveback?
2 do. The largest is $126 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Hardin County plans have 4 or more stars?
6 of 14, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
Keep going
- All Kentucky Medicare Advantage plans →
- Best Part D plans in Kentucky →
- HMO vs. PPO and star ratings →
Other Kentucky counties
Boone County · Daviess County · Fayette County · Jefferson County · Kenton County · Warren County