Medicare Special Needs Plans in Kentucky
Every Special Needs Plan in Kentucky for 2027, from the CMS plan landscape file. You can join one only if you fit its group: Medicare and Medicaid (D-SNP), a qualifying chronic condition (C-SNP) or nursing-home-level care (I-SNP). Pick your county to see the plans sold there.
Showing all 43 plans.
D-SNPs: Medicare and Medicaid
Sorted by CMS star rating, then by how closely the plan is integrated with Kentucky Medicaid, then by worst-case year. If Medicaid or the QMB program pays your Medicare cost sharing, the out-of-pocket maximum matters less than the network and how well the plan works with Medicaid.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP)Humana · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing115 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 2 | Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP)Humana · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing5 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 3 | HumanaChoice SNP-DE H5525-045 (PPO D-SNP)Humana · PPO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing103 of 120 counties | $17 | $9,850 | $10,054 | 4★ |
| 4 | Humana Dual QMB Only (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing115 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 5 | Humana Dual QMB Only (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing5 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 6 | Humana Dual Select H5619-075 (HMO D-SNP)Humana · HMO D-SNPCoordination-only115 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 7 | Aetna Medicare HIDE (HMO D-SNP)Aetna Medicare · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing87 of 120 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 8 | Passport Advantage (HMO D-SNP)Passport Advantage · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing66 of 120 counties | $17 | $9,850 | $10,054 | 3.5★ |
| 9 | Passport Advantage (HMO D-SNP)Passport Advantage · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing8 of 120 counties | $17 | $9,850 | $10,054 | 3.5★ |
| 10 | Passport Advantage (HMO D-SNP)Passport Advantage · HMO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing1 of 120 counties | $17 | $9,850 | $10,054 | 3.5★ |
| 11 | UHC Dual Complete KY-Q1 (PPO D-SNP)UnitedHealthcare · PPO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing118 of 120 counties | $17 | $9,850 | $10,054 | 3.5★ |
| 12 | UHC Dual Complete KY-S3 (PPO D-SNP)UnitedHealthcare · PPO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing118 of 120 counties | $17 | $9,850 | $10,054 | 3.5★ |
| 13 | Aetna Medicare Partial Dual (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only · $0 Medicare cost sharing87 of 120 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 14 | Wellcare Dual Access Sync Open (PPO D-SNP)Wellcare · PPO D-SNPHighly integrated (HIDE) · $0 Medicare cost sharingAll 120 counties | $0 | $9,850 | $9,850 | 3★ |
| 15 | Wellcare Dual Liberty Sync (HMO-POS D-SNP)Wellcare · HMO-POS D-SNPHighly integrated (HIDE) · $0 Medicare cost sharingAll 120 counties | $0 | $9,850 | $9,850 | 3★ |
| 16 | UHC Dual Complete KY-S4 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing87 of 120 counties | $0.90 | $9,850 | $9,861 | 3★ |
| 17 | UHC Dual Complete KY-S4 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPHighly integrated (HIDE) · $0 Medicare cost sharing32 of 120 counties | $0.90 | $9,850 | $9,861 | 3★ |
| 18 | Wellcare Dual Reserve (HMO-POS D-SNP)Wellcare · HMO-POS D-SNPCoordination-onlyAll 120 counties | $0 | $6,700 | $6,700 | 3★ |
| 19 | UHC Dual Advantage KY-V1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only119 of 120 counties | $17 | $6,700 | $6,904 | 3★ |
| 20 | UHC Dual Complete KY-Q2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing87 of 120 counties | $0 | $9,850 | $9,850 | 3★ |
| 21 | UHC Dual Complete KY-Q2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing32 of 120 counties | $0 | $9,850 | $9,850 | 3★ |
| 22 | Wellcare Dual Access (HMO-POS D-SNP)Wellcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharingAll 120 counties | $0 | $9,850 | $9,850 | 3★ |
C-SNPs: chronic conditions
Sorted by worst-case year: 12 months of premiums plus the in-network out-of-pocket maximum. Each plan lists the conditions it serves; you need one of them, confirmed by your doctor or another clinician, to join.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Community HMO Diabetes and Heart (HMO C-SNP)Humana · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes1 of 120 counties | $0 | $4,250 | $4,250 | 4.5★ |
| 2 | Anthem Kidney Care (HMO-POS C-SNP)Anthem Blue Cross and Blue Shield · HMO-POS C-SNPChronic kidney diseaseAll 120 counties | $0 | $6,050 | $6,050 | 3.5★ |
| 3 | DEVOTED C-SNP CHOICE ENHANCED 005 KY (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 120 counties | $0 | $6,300 | $6,300 | 4★ |
| 4 | DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes87 of 120 counties | $0 | $6,550 | $6,550 | 4★ |
| 5 | UHC Complete Care OH-18 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes5 of 120 counties | $0 | $6,900 | $6,900 | 4★ |
| 6 | Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes26 of 120 counties | $0 | $7,150 | $7,150 | 3.5★ |
| 7 | Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes9 of 120 counties | $0 | $7,150 | $7,150 | 3.5★ |
| 8 | Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes18 of 120 counties | $0 | $7,150 | $7,150 | 3.5★ |
| 9 | UHC Complete Care KY-6 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes110 of 120 counties | $0 | $7,150 | $7,150 | 4★ |
| 10 | DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes87 of 120 counties | $0 | $7,850 | $7,850 | 4★ |
| 11 | DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 009 KY (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 120 counties | $0 | $7,850 | $7,850 | 4★ |
| 12 | Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes1 of 120 counties | $0 | $9,150 | $9,150 | 4★ |
| 13 | Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes5 of 120 counties | $0 | $9,500 | $9,500 | 4★ |
| 14 | Anthem Chronic Care Advantage (HMO C-SNP)Anthem Blue Cross and Blue Shield · HMO C-SNPCardiovascular disorders, Chronic heart failure, DiabetesAll 120 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 15 | DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes101 of 120 counties | $0 | $9,850 | $9,850 | 4★ |
I-SNPs: institutional care
For people who live, or are expected to live, at least 90 days in a nursing home or similar facility, or who need that level of care at home. Sorted by worst-case year.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Senior Living Plan (PPO I-SNP)Humana · PPO I-SNPHybrid (at home or in a facility)All 120 counties | $0 | $6,180 | $6,180 | 4.5★ |
| 2 | Abilis Health Community (HMO I-SNP)Abilis Health (HMO SNP) · HMO I-SNPInstitutional-equivalent (at home)93 of 120 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 3 | Humana Together in Health (PPO I-SNP)Humana · PPO I-SNPHybrid (at home or in a facility)All 120 counties | $0 | $9,850 | $9,850 | 4★ |
| 4 | Humana Together in Health (PPO I-SNP)Humana · PPO I-SNPHybrid (at home or in a facility)All 120 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 5 | Abilis Health (HMO I-SNP)Abilis Health (HMO SNP) · HMO I-SNPFacility-based103 of 120 counties | $16.20 | $9,850 | $10,044 | 3.5★ |
| 6 | American Health Advantage of Kentucky (HMO I-SNP)American Health Advantage of Indiana · HMO I-SNPHybrid (at home or in a facility)7 of 120 counties | $17 | $9,850 | $10,054 | Not rated |
Worst-case year = 12 × monthly plan premium + in-network maximum out-of-pocket, for covered Part A and B services. Many D-SNP members pay $0 in premiums with Extra Help. Star ratings are CMS’s 2027 overall ratings for the contract behind each plan. Plans under CMS sanction aren’t listed. How we sort
Before you enroll: check the plan’s network and drug list in the official Medicare Plan Finder, and ask the plan whether you qualify. Free one-on-one help: your State Health Insurance Assistance Program.
Questions
How many Special Needs Plans are in Kentucky for 2027?
CMS lists 43: 22 D-SNPs (Medicare and Medicaid), 15 C-SNPs (chronic conditions) and 6 I-SNPs (institutional), from 9 parent companies. Not every plan is sold in every county; use the county filter.
Which D-SNPs in Kentucky are integrated with Medicaid?
13 of the 22 D-SNPs are fully integrated, highly integrated or applicable integrated plans, which cover or coordinate Medicaid benefits more closely. The rest are coordination-only plans. Integrated plans are listed first among plans with the same star rating.
Do Special Needs Plans include drug coverage?
Yes. Every Special Needs Plan must include Part D drug coverage.
Can I stay in a Special Needs Plan if I no longer qualify?
Only while you still meet the plan's rules. If you lose eligibility, you may get a Special Enrollment Period to join another plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), Special Needs Plan rows — cms.gov; star ratings from the CMS 2027 Star Ratings Data Tables — cms.gov.
- Medicare.gov, “Special Needs Plans” — medicare.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
- How Special Needs Plans work →
- General Medicare Advantage plans in Kentucky →
- Medicare Savings Programs →
- Extra Help with drug costs →
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