Medicare Advantage plans in Lincoln County, KY: what changed for 2027
For 2027, Lincoln County in Kentucky has 25 Medicare Advantage plans that include drug coverage, compared with 26 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage25-1 from 2026
Advantage plans without drug coverage6-1 from 2026
Special Needs Plans25+2 from 2026
$0 premium plans with drug coverage15-2 from 2026
Median out-of-pocket limit$7,1502026: $6,700
Plans rated 4 stars or more18+9 from 2026
6 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 4 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 3,868 of the 6,278 people eligible for Medicare in Lincoln County were enrolled in a Medicare Advantage or other Medicare health plan, 61.6%. A year earlier it was 3,709 of 6,199 (59.8%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (25)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 of 5 |
| Anthem Medicare Advantage (HMO-POS) | Anthem Blue Cross and Blue Shield | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| DEVOTED CHOICE 001 KY (PPO) | Devoted Health | PPO | $0 | $6,050 | 4 of 5 |
| DEVOTED CHOICE GIVEBACK 002 KY (PPO) | Devoted Health | PPO | $0 | $9,850 | 4 of 5 |
| DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO) | Devoted Health | PPO | $0 | $7,850 | 4 of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus H5619-188 (HMO) | Humana | HMO | $0 | $6,700 | 4 of 5 |
| Humana Value Choice (PPO) | Humana | PPO | $0 | $7,150 | 4.5 of 5 |
| HumanaChoice Giveback H5216-322 (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| HumanaChoice H5216-226 (PPO) | Humana | PPO | $0 | $6,600 | 4 of 5 |
| HumanaChoice H5216-317 (PPO) | Humana | PPO | $0 | $7,150 | 4 of 5 |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $7,000 | 3 of 5 |
| Wellcare Simple Open (PPO) | Wellcare | PPO | $0 | $7,500 | 3 of 5 |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) | UnitedHealthcare | HMO-POS | $19.00 | $7,150 | 4 of 5 |
| HumanaChoice H5216-019 (PPO) | Humana | PPO | $34.00 | $6,800 | 4 of 5 |
| Anthem Medicare Advantage 2 (HMO-POS) | Anthem Blue Cross and Blue Shield | HMO-POS | $35.00 | $4,450 | 3.5 of 5 |
| Anthem Medicare Advantage (PPO) | Anthem Blue Cross and Blue Shield | PPO | $41.00 | $9,250 | 4.5 of 5 |
| HumanaChoice H5216-188 (PPO) | Humana | PPO | $45.00 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | UnitedHealthcare | PPO | $57.00 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | $64.00 | $6,700 | 4 of 5 |
| HumanaChoice R0110-012 (Regional PPO) | Humana | Regional PPO | $68.00 | $9,850 | 3.5 of 5 |
| Anthem Medicare Advantage 3 (PPO) | Anthem Blue Cross and Blue Shield | PPO | $70.00 | $5,900 | 4.5 of 5 |
| Anthem Medicare Advantage (Regional PPO) | Anthem Blue Cross and Blue Shield | Regional PPO | $123.00 | $9,250 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (6)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | UnitedHealthcare | PPO | Not listed | $7,150 | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 4 of 5 |
| Anthem Veteran (PPO) | Anthem Blue Cross and Blue Shield | PPO | Not listed | $9,250 | 3 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,500 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $9,150 | 4 of 5 |
| HumanaChoice R0110-011 (Regional PPO) | Humana | Regional PPO | Not listed | $5,400 | 3.5 of 5 |
Special Needs Plans for 2027 (25)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Abilis Health Community (HMO I-SNP) | Abilis Health (HMO SNP) | HMO I-SNP · Institutional | $0 | $9,850 | 3.5 of 5 |
| Anthem Chronic Care Advantage (HMO C-SNP) | Anthem Blue Cross and Blue Shield | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3.5 of 5 |
| Anthem Kidney Care (HMO-POS C-SNP) | Anthem Blue Cross and Blue Shield | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $6,050 | 3.5 of 5 |
| DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,550 | 4 of 5 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $7,850 | 4 of 5 |
| DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4 of 5 |
| Humana Dual QMB Only (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Dual Select H5619-075 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Senior Living Plan (PPO I-SNP) | Humana | PPO I-SNP · Institutional | $0 | $6,180 | 4.5 of 5 |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP · Institutional | $0 | $9,850 | 4 of 5 |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP · Institutional | $0 | $9,850 | 4.5 of 5 |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 4 of 5 |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Dual Access Sync Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $6,700 | 3 of 5 |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0.90 | $9,850 | 3 of 5 |
| Abilis Health (HMO I-SNP) | Abilis Health (HMO SNP) | HMO I-SNP · Institutional | $16.20 | $9,850 | 3.5 of 5 |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $17.00 | $9,850 | 4 of 5 |
| Passport Advantage (HMO D-SNP) | Passport Advantage | HMO D-SNP · Dual-Eligible | $17.00 | $9,850 | 3.5 of 5 |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $17.00 | $6,700 | 3 of 5 |
| UHC Dual Complete KY-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $17.00 | $9,850 | 3.5 of 5 |
| UHC Dual Complete KY-S3 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $17.00 | $9,850 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Kentucky drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.