Best Medicare Advantage Plans in Kenton County, KY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Kenton 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.
Kenton County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC OH-19 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $685Dental up to $5,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $35 | $3,900 | $4,320 | 4★ |
| 2 | Humana Community (HMO)Humana · HMO5 of 120 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr | $0 | $4,350 | $4,350 | 4.5★ |
| 3 | Humana Gold Plus H0292-003 (HMO)Humana · HMO5 of 120 counties · drug deductible $450Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 4 | Humana Gold Plus H0292-002 (HMO)Humana · HMO4 of 120 counties · drug deductible $350Dental up to $2,000/yr · eyewear $250/yr | $26 | $4,300 | $4,612 | 4.5★ |
| 5 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS6 of 120 counties · drug deductible $595Dental up to $2,000/yr · eyewear $250/yr · hearing aids $2,000/yr · OTC items $120/yr | $31 | $4,450 | $4,822 | 3.5★ |
| 6 | AARP Medicare Advantage from UHC OH-0001 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $505Dental up to $5,000/yr · eyewear $100/yr · hearing aids $700/yr | $85 | $4,200 | $5,220 | 4★ |
| 7 | HumanaChoice H5525-030 (PPO)Humana · PPO3 of 120 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr | $86 | $4,450 | $5,482 | 4★ |
| 8 | 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★ |
| 9 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 120 counties · drug deductible $400Part B giveback $90/mo · Dental up to $350/yr · eyewear $100/yr | $0−$90 Part B giveback | $6,950 | $5,870 | 2.5★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 120 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $5,875 | $5,875 | 2.5★ |
| 11 | AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 12 | DEVOTED CHOICE 003 KY (PPO)Devoted Health · PPO14 of 120 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $6,050 | $6,050 | 4★ |
| 13 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO3 of 120 counties · drug deductible $500Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $360/yr | $105 | $4,900 | $6,160 | 4★ |
| 14 | 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★ |
| 15 | HumanaChoice H5216-023 (PPO)Humana · PPO3 of 120 counties · drug deductible $450Dental up to $2,000/yr · eyewear $100/yr | $44 | $6,000 | $6,528 | 4★ |
| 16 | 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★ |
| 17 | HumanaChoice H5216-285 (PPO)Humana · PPO4 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 18 | HumanaChoice H7617-004 (PPO)Humana · PPO4 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 19 | DEVOTED CHOICE GIVEBACK EXTRAS 010 KY (PPO)Devoted Health · PPO14 of 120 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $324/yr | $0−$85 Part B giveback | $7,850 | $6,830 | 4★ |
| 20 | Humana Gold Plus H6622-055 (HMO)Humana · HMO5 of 120 counties · drug deductible $300Dental up to $1,000/yr · eyewear $250/yr | $27 | $6,550 | $6,874 | 4★ |
| 21 | 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★ |
| 22 | Humana Gold Plus H6622-021 (HMO-POS)Humana · HMO-POS5 of 120 counties · drug deductible $600Dental up to $750/yr · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 23 | AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $685Dental up to $2,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 24 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO32 of 120 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 25 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS6 of 120 counties · drug deductible $595Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | AARP Medicare Advantage from UHC OH-23 (PPO)UnitedHealthcare · PPO3 of 120 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $50 | $7,150 | $7,750 | 4★ |
| 29 | 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★ |
| 30 | Humana Essentials Plus Giveback (PPO)Humana · PPO5 of 120 counties · drug deductible $700Part B giveback $124/mo · Dental up to $500/yr · eyewear $100/yr | $0−$124 Part B giveback | $9,850 | $8,362 | 4.5★ |
| 31 | HumanaChoice Giveback H5216-481 (PPO)Humana · PPO5 of 120 counties · drug deductible $700Part B giveback $123/mo · Dental up to $500/yr · eyewear $100/yr | $0−$123 Part B giveback | $9,850 | $8,374 | 4★ |
| 32 | 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★ |
| 33 | HealthSpring True Choice (PPO)HealthSpring · PPO5 of 120 counties · drug deductible $600Dental up to $900/yr · eyewear $100/yr | $9 | $9,250 | $9,358 | 3★ |
| 34 | 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★ |
| 35 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS8 of 120 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 36 | HumanaChoice R0110-012 (Regional PPO)Humana · Regional PPOAll 120 counties · drug deductible $450Dental · eyewear $100/yr | $68 | $9,850 | $10,666 | 3.5★ |
| 37 | 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: 45 in 2026, 43 in 2027.
- $0-premium plans: 31 in 2026, 28 in 2027.
- Median in-network out-of-pocket maximum: $6,550 in 2026, $7,000 in 2027.
- 12,261 people here were in a general-audience Advantage plan in October 2026; 178 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), AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO), Humana USAA Honor Giveback (PPO), Anthem Veteran (PPO).
Questions
How many Medicare Advantage plans are in Kenton County for 2027?
37 general-audience plans with drug coverage, 22 of them with a $0 monthly premium, compared with 45 plans and 31 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Kenton County?
AARP Medicare Advantage from UHC OH-19 (HMO-POS) from UnitedHealthcare: $35 a month with an in-network out-of-pocket maximum of $3,900, so at most about $4,320 for the year in premiums and in-network costs.
Do any Kenton 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 Kenton County plans have 4 or more stars?
27 of 37, 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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