Best Medicare Advantage Plans in Jefferson County, KY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Jefferson 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.
Jefferson County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Community (HMO)Humana · HMO1 of 120 counties · drug deductible $700Part B giveback $5/mo · Dental up to $5,000/yr · eyewear $450/yr | $0−$5 Part B giveback | $4,250 | $4,190 | 4.5★ |
| 2 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS5 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★ |
| 3 | Essence Advantage (HMO)Essence Healthcare · HMO21 of 120 counties · drug deductible $340Dental up to $2,400/yr · eyewear $200/yr · hearing aids $1,000/yr · OTC items $120/yr | $0 | $5,400 | $5,400 | 4★ |
| 4 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS9 of 120 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 5 | 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★ |
| 6 | DEVOTED CHOICE 001 KY (PPO)Devoted Health · PPO87 of 120 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $6,050 | $6,050 | 4★ |
| 7 | AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS)UnitedHealthcare · HMO-POS115 of 120 counties · drug deductible $685Part B giveback $81/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$81 Part B giveback | $7,150 | $6,178 | 4★ |
| 8 | HumanaChoice H5216-226 (PPO)Humana · PPO83 of 120 counties · drug deductible $700Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$10 Part B giveback | $6,600 | $6,480 | 4★ |
| 9 | Humana Gold Plus H5619-188 (HMO)Humana · HMO50 of 120 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 10 | 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★ |
| 11 | DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO)Devoted Health · PPO87 of 120 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $336/yr | $0−$85 Part B giveback | $7,850 | $6,830 | 4★ |
| 12 | 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★ |
| 13 | AARP Medicare Advantage from UHC KY-1 (HMO-POS)UnitedHealthcare · HMO-POS110 of 120 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 14 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS5 of 120 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 15 | Humana Value Choice (PPO)Humana · PPO95 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 16 | HumanaChoice H5216-317 (PPO)Humana · PPO95 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 17 | 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★ |
| 18 | AARP Medicare Advantage from UHC KY-5 (HMO-POS)UnitedHealthcare · HMO-POS110 of 120 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $19 | $7,150 | $7,378 | 4★ |
| 19 | AARP Medicare Advantage from UHC KY-0002 (HMO-POS)UnitedHealthcare · HMO-POS110 of 120 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $64 | $6,700 | $7,468 | 4★ |
| 20 | 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★ |
| 21 | DEVOTED CHOICE GIVEBACK 002 KY (PPO)Devoted Health · PPO101 of 120 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 4★ |
| 22 | 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★ |
| 23 | AARP Medicare Advantage from UHC KY-0003 (PPO)UnitedHealthcare · PPO115 of 120 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $57 | $7,150 | $7,834 | 4★ |
| 24 | 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★ |
| 25 | HumanaChoice Giveback H5216-322 (PPO)Humana · PPO87 of 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | Essence Advantage Choice (PPO)Essence Healthcare · PPO21 of 120 counties · drug deductible $700Dental up to $475/yr · eyewear $175/yr | $39 | $9,850 | $10,318 | 4★ |
| 29 | HumanaChoice R0110-012 (Regional PPO)Humana · Regional PPOAll 120 counties · drug deductible $450Dental · eyewear $100/yr | $68 | $9,850 | $10,666 | 3.5★ |
| 30 | 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: 39 in 2026, 37 in 2027.
- $0-premium plans: 28 in 2026, 25 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $7,150 in 2027.
- 42,378 people here were in a general-audience Advantage plan in October 2026; 26 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: AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS), AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO), 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 Jefferson County for 2027?
30 general-audience plans with drug coverage, 18 of them with a $0 monthly premium, compared with 39 plans and 28 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Jefferson County?
Humana Community (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,250, so at most about $4,190 for the year in premiums and in-network costs.
Do any Jefferson County plans have a Part B giveback?
8 do. The largest is $184.70 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 002 KY (PPO).
How many Jefferson County plans have 4 or more stars?
22 of 30, 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
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