$0 Premium Medicare Advantage Plans in Kansas
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Kansas for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 41 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO-POS)Humana · HMO-POS7 of 84 counties · drug deductible $500Dental up to $2,500/yr · eyewear $100/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 2 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS7 of 84 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 3 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS7 of 84 counties · drug deductible $700Part B giveback $54/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$54 Part B giveback | $4,200 | $3,552 | 4.5★ |
| 4 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS14 of 84 counties · drug deductible $700Dental up to $3,500/yr · eyewear $375/yr · hearing aids $1,250/yr per ear · OTC items $320/yr | $0 | $3,900 | $3,900 | 3.5★ |
| 5 | DEVOTED CHOICE 001 KS (PPO)Devoted Health · PPO4 of 84 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $248/yr | $0 | $3,950 | $3,950 | Too new to rate |
| 6 | DEVOTED CHOICE 005 KS (PPO)Devoted Health · PPO22 of 84 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $248/yr | $0 | $3,950 | $3,950 | Too new to rate |
| 7 | Humana Total Complete (HMO-POS)Humana · HMO-POS9 of 84 counties · drug deductible $500Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,100 | $4,100 | 4.5★ |
| 8 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS9 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $280/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 9 | Aetna Medicare Signature Classic Extra (PPO)Aetna Medicare · PPO14 of 84 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $120/yr | $0 | $4,200 | $4,200 | 4★ |
| 10 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS6 of 84 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 11 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS15 of 84 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $300/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 12 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS10 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 13 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO14 of 84 counties · drug deductible $700Dental up to $1,500/yr · eyewear $175/yr · hearing aids $750/yr per ear · OTC items $120/yr | $0 | $4,200 | $4,200 | 4★ |
| 14 | Humana Essentials Plus Giveback (PPO)Humana · PPO22 of 84 counties · drug deductible $700Part B giveback $74/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$74 Part B giveback | $5,250 | $4,362 | 4.5★ |
| 15 | DEVOTED CHOICE GIVEBACK EXTRAS 023 KS (PPO)Devoted Health · PPO4 of 84 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,000/yr · eyewear $350/yr · OTC items $328/yr | $0−$90 Part B giveback | $5,450 | $4,370 | Too new to rate |
| 16 | Humana Essentials Plus Giveback (PPO)Humana · PPO23 of 84 counties · drug deductible $700Part B giveback $72/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$72 Part B giveback | $5,250 | $4,386 | 4★ |
| 17 | Blue Medicare Advantage Choice (PPO)Blue Cross and Blue Shield of Kansas · PPO6 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · OTC items $40/yr | $0 | $4,400 | $4,400 | 3★ |
| 18 | Humana Value Choice (PPO)Humana · PPO21 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 19 | Humana Value Choice (PPO)Humana · PPO21 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 20 | Humana Value Choice (PPO)Humana · PPO26 of 84 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 21 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 84 counties · drug deductible $700Dental up to $2,250/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $300/yr | $0 | $4,500 | $4,500 | 4★ |
| 22 | Aetna Medicare Signature Classic Extra (PPO)Aetna Medicare · PPO15 of 84 counties · drug deductible $400Dental up to $2,250/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $300/yr | $0 | $4,500 | $4,500 | 4★ |
| 23 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO47 of 84 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $440/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 24 | Humana Essentials Plus Giveback (PPO)Humana · PPO29 of 84 counties · drug deductible $700Part B giveback $67/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$67 Part B giveback | $5,900 | $5,096 | 4.5★ |
| 25 | HumanaChoice Giveback H5216-409 (PPO)Humana · PPO29 of 84 counties · drug deductible $700Part B giveback $67/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$67 Part B giveback | $5,900 | $5,096 | 4★ |
| 26 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 84 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 27 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO6 of 84 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 28 | AARP Medicare Advantage from UHC KS-0001 (HMO-POS)UnitedHealthcare · HMO-POS34 of 84 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 29 | DEVOTED CHOICE GIVEBACK EXTRAS 022 KS (PPO)Devoted Health · PPO22 of 84 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $348/yr | $0−$90 Part B giveback | $7,000 | $5,920 | Too new to rate |
| 30 | AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS)UnitedHealthcare · HMO-POS36 of 84 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 31 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO9 of 84 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 32 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO10 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 33 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO9 of 84 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 34 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO10 of 84 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 35 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS53 of 84 counties · drug deductible $700Dental up to $1,000/yr · hearing aids $350/yr per ear | $0 | $7,100 | $7,100 | 2.5★ |
| 36 | AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)UnitedHealthcare · HMO-POS36 of 84 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 37 | AARP Medicare Advantage from UHC KC-4 (PPO)UnitedHealthcare · PPO36 of 84 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 38 | AARP Medicare Advantage from UHC KS-0003 (PPO)UnitedHealthcare · PPO31 of 84 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 39 | Blue Medicare Advantage (PPO)Blue Cross and Blue Shield of Kansas · PPO6 of 84 counties · drug deductible $700Dental up to $1,200/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 3★ |
| 40 | DEVOTED CHOICE GIVEBACK 002 KS (PPO)Devoted Health · PPO4 of 84 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,850 | $7,931 | Too new to rate |
| 41 | DEVOTED CHOICE GIVEBACK 006 KS (PPO)Devoted Health · PPO22 of 84 counties · drug deductible $461Part B giveback $159.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.70 Part B giveback | $9,850 | $7,934 | Too new to rate |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
No $0-premium plan with drug coverage in: Cheyenne, Decatur, Ellis, Lane, Logan, Norton, Rawlins, Scott, Thomas.
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. A plan with a premium can still cost less in a bad year; see every plan in our Kansas Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Kansas for 2027?
41 of the 52 general-audience Medicare Advantage plans with drug coverage in Kansas have a $0 monthly plan premium for 2027. 9 counties have Advantage plans but none at $0.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Kansas's $0 plans, the lowest in-network maximum is $2,800 and the median is $5,250.
Which $0 premium plan in Kansas has the lowest worst-case cost?
Humana Total Complete (HMO-POS) from Humana, with an in-network out-of-pocket maximum of $2,800. It is sold in 7 of 84 counties.
Do any $0 premium plans in Kansas also have a Part B giveback?
Yes, 10 of them. See the Kansas Part B giveback plans.
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, 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 Kansas Medicare Advantage plans, ranked →
- Part B giveback plans in Kansas →
- Where $0 plans are disappearing in 2027 →
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