occupier of Kentucky who are eligible for Medicare coverage can opt among various programme alternative , including Original Medicare , Medicare Advantage , Part D prescription medicine drug plans , and Medicare accessory insurance .
Medicare eligibility in Kentucky follows the same Union guidelines as elsewhere in the area . To be eligible , a soul must be at least 65 years old or live with a qualifying disability , end phase nephritic disease ( ESRD ) , or amyotrophic lateral induration ( ALS ) .
hear more about the options for Medicare coverage as a resident of Kentucky .
Medicare in Kentucky overview
harmonise to theCenters for Medicare & Medicaid Services ( CMS ) , the follow are some central figures about Medicare in Kentucky in 2025 .
Medicare coverage options in Kentucky
Residents of Kentucky have various options for Medicare coverage , including Original Medicare , Medicare Advantage , Part D , and Medigap .
Original Medicare in Kentucky
individual eligible for Medicare may enroll inOriginal Medicare , whichcomprisesPart A ( hospital indemnity ) and Part B ( medical insurance ) . Together , these program encounter the volume of a mortal ’s healthcare needs .
Part Acoverage includes :
Part Bcoverage include :
Medicare Advantage plans in Kentucky
Medicare Advantageplans are analternativeto Original Medicare . These plans include the same level of insurance coverage as section A and B while tender additional benefit , such as vision , dental , and hearing care . Most Medicare Advantage plans also admit prescription drug reporting .
In 2025 , theaverage monthly premiumfor a Medicare Advantage architectural plan in Kentucky is $ 15.15 , while the lowest available premium is $ 0 . There are 110 different plan options .
Some of the organization that offer Medicare Advantage plans in Kentuckyinclude :
A individual can explore Medicare Advantage coverage option by visiting theMedicare websiteand insert their ZIP code .
To assist the great unwashed with select Medicare Advantage and Part D drug plans , CMS assignsstar ratingsto all the programme in each state .
In 2025 , the Medicare Advantage plans in Kentucky that receive anoverall mavin ratingof 4.5 out of 5 let in those from :
instruct howOriginal Medicare and Medicare Advantage differ .
Part D in Kentucky
Medicare Part Dis ethical drug drug coverage that person can purchase in addition to their Original Medicare insurance coverage or Medicare Advantage coverage ( if their program does not admit drug coverage ) . Private insurance policy society offer these plan .
In Kentucky , there are16 stand - alone plansavailable across the state . The precise plans available to a person will look on their county .
According to the health insurance research group KFF , the average Part 500 premium cost for programme in Kentucky was$40.86 in 2024 .
Medicare supplement plans in Kentucky
secret insurance companies offer Medicare accessory plans , also calledMedigapplans , to assist with the out - of - scoop cost of Original Medicare . These costs include deductible , copayments , and coinsurance .
However , Medigap plan are unavailable to people with Medicare Advantage .
Some of the organisation offering Medigap program in Kentucky in 2025include :
To explore Medigap coverage options , a person can visit theMedicare websiteand enter their ZIP code .
Read plans .
Medicare resources for residents of Kentucky
For further information about Medicare plan options , reportage , and price , consider the be resource :
Medicare enrollment in Kentucky
Medicare enrollment windowsare the same in Kentucky as in other states . These are important point during which people can link up , alternate , or shake off reporting :
In some casing , Medicare will automatically enroll a person for coverage . This can occur if they have a disability and have receive Social Security Disability Insurance for 2 years or have ALS .
People can get together a programme by :
Other considerations for Medicare in Kentucky
When selecting a plan , it is important to consider ingredient such as :
Takeaway
Medicare in Kentucky follows the same federal guideline as elsewhere throughout the United States . Residents may enter in Original Medicare or a Medicare Advantage plan .
Private insurance companies bid the latter , and plan choice motley across the province based on a person ’s county of residence . A person can also opt to add a Part five hundred design to cover drug costs or a Medigap program to help with the expenses of Original Medicare .
Before pick a plan , people may regard their insurance coverage want , provider preferences , and cost requirement . For assistance , mass can arrive at out to Medicare , the Social Security Administration ( SSA ) , or Kentucky ’s State Health Insurance Assistance Program ( SHIP ) .
