Medicare Advantage Plans Kentucky in 2023
Medicare Advantage plans are similar in coverage to Medicare Part A and Part B, though some plans offer several additional coverages which makes these plans a fantastic option.
Plans and their benefits are different depending on the company offering the plans and the area they are in. Not all plans are available in each county, and choosing the right plan can be challenging with over 150 Medicare Advantage plans in Kentucky to choose from.
Our website makes it easy!
Our licensed insurance agents can easily help you find the right Medicare Advantage plan in Kentucky for you. Or, you can easily use our website to begin shopping for and enrolling in a plan on your own.
Medicare Advantage Plans in Kentucky for 2023 may include:
- Dental coverage
- Vision Coverage
- Prescription drug coverage
- Wellness Resources
- Fitness programs
- Meals
- Transportation
Types of Medicare Advantage Plans in Kentucky
Health Maintenance Organization – HMO Plans
Health Maintenance Organizations (HMO) are very popular Medicare Advantage plans offered in Kentucky. These plans have a network that you must adhere to in order to get coverage, unless in an emergency. With HMOs you choose a primary care doctor from the network and get referrals if you need to see a specialist.
HMOs are typically very affordable, often with $0 monthly premiums.
- Affordable out-of-pocket costs
- Choose your primary doctor in-network
- May include prescription coverage
- Low monthly premiums – sometimes $0 per month
Preferred Provider Organization – PPO Plans
PPO plans offer the use of doctors nationwide, provided they are Medicare-approved and accept the plan’s terms. Coverage in-network is typically less expensive on these plans.
With PPO’s:
- Visit any doctor or hospital that is Medicare-approved and accepts the plan’s terms
- Do not need a referral to see a specialist
- Often include prescription drug coverage
Private Fee-for-Service – PFFS Plans
PFFS plans allow you to see any doctor that is Medicare-approved, however, they must accept the terms of the plan.
With PFFS Plans:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums
Special Needs Plans – SNPs
SNPs were created for people with various diseases or health conditions. To enroll in a SNP you need to meet the plans’ qualifications.
With SNPs:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums
The Best Medicare Advantage Plans in Kentucky for 2023 are:
- Humana
- Aetna
- United Healthcare
- Providence
Medicare Advantage Plan Enrollment for 2023
If you’re already enrolled in a Medicare Advantage plan in kentucky and are looking to enroll in a different plan, then you will need to wait until the Medicare open enrollment period (AEP) in most cases.
This period runs from October 15th – December 7th. Any enrollment change you make for a Medicare Advantage plan during this period will be effective on January 1st of the following year.
New to Medicare?
If you are new to Medicare then you may enroll in a Medicare Advantage plan right away to be effective the same day your Medicare begins. The easiest way to get started is to enter your zip code below.
Or call us today to begin the process so you do not miss any time periods.
