Medicare Advantage Plans With a Part B Giveback in Kentucky
These Kentucky plans pay part of your Part B premium for 2027, according to the benefits each one filed with CMS. They’re sorted by the size of the giveback, with each plan’s worst-case year beside it: 12 months of premiums, less the giveback, plus the in-network out-of-pocket maximum.
Showing all 19 plans.
With drug coverage
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
Without drug coverage
These plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS)UnitedHealthcare · HMO-POS110 of 120 countiesPart B giveback $200/mo · Dental up to $5,000/yr · eyewear $175/yr · hearing aids $1,000/yr | $0−$200 Part B giveback | $7,150 | $4,750 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO)UnitedHealthcare · PPO3 of 120 countiesPart B giveback $200/mo · Dental up to $5,000/yr · eyewear $150/yr · hearing aids $700/yr | $0−$200 Part B giveback | $8,900 | $6,500 | 4★ |
| 3 | AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO)UnitedHealthcare · PPO115 of 120 countiesPart B giveback $190/mo · Dental up to $5,000/yr · eyewear $175/yr · hearing aids $700/yr | $0−$190 Part B giveback | $7,150 | $4,870 | 4★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 120 countiesPart B giveback $170/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$170 Part B giveback | $9,150 | $7,110 | 4★ |
| 5 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO75 of 120 countiesPart B giveback $125/mo · Dental up to $2,750/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $400/yr | $0−$125 Part B giveback | $6,900 | $5,400 | 4★ |
| 6 | Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPOAll 120 countiesPart B giveback $115/mo · Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $120/yr | $0−$115 Part B giveback | $9,250 | $7,870 | 3★ |
| 7 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 120 countiesPart B giveback $110/mo · Dental up to $5,000/yr · eyewear $250/yr | $0−$110 Part B giveback | $6,500 | $5,180 | 4★ |
Giveback = the monthly Part B premium reduction each plan filed with CMS for 2027. Worst-case year = 12 × (monthly plan premium − giveback) + in-network maximum out-of-pocket, so a large giveback can make it lower than the out-of-pocket maximum. The standard Part B premium was $202.90 a month in 2026. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. See every Kentucky plan, giveback or not, in our Kentucky Medicare Advantage ranking.
Questions
Which Medicare Advantage plans in Kentucky have a Part B giveback for 2027?
19 of the 80 general-audience plans in Kentucky filed a Part B premium reduction with CMS for 2027: 12 with drug coverage and 7 without. The largest is $184.70 a month, from DEVOTED CHOICE GIVEBACK 002 KY (PPO).
How do I get the Part B giveback?
Join the plan. The plan's reduction comes off the standard Part B premium you'd otherwise pay, whether that premium is taken from your Social Security benefit or billed to you. You keep paying any Part B premium that's left.
Is a giveback plan the cheapest choice?
Not always. Plans that pay back part of your Part B premium can have higher copays, a higher out-of-pocket maximum or a narrower network. The worst-case year in the table counts the giveback as money back and adds the out-of-pocket maximum, so you can compare plans on one number.
Does the giveback help if Medicaid pays my Part B premium?
No. If Medicaid or a Medicare Savings Program pays your Part B premium, CMS sends the reduction to your state, not to you. The giveback also can't lower a Part B late enrollment penalty.
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.
- CMS, Medicare State Buy-in Manual, Chapter 1 (Part B premium reductions by Medicare Advantage plans) — cms.gov PDF.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Kentucky Medicare Advantage plans, ranked →
- $0-premium plans in Kentucky →
- Advantage vs. Original Medicare →
Other states
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming