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2027 Medicare Advantage Plans in Cumberland County, KY

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In Cumberland County, KY, there are 27 Medicare Advantage plans available for 2027. Of these, 18 offer a $0 monthly premium, and about 67% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Cumberland County, KY. Or explore all Medicare Options available in Cumberland County, KY.

At a Glance

Average Monthly Premium
$19.33/mo
Plans with $0 Premium
18
Average MOOP Limit
$7,581 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 67% · 3 Stars: 33% · Below 3: 0%
Average Part D Deductible
$555.76
Total MA/MAPD Enrollment
250
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Anthem Medicare Advantage (HMO-POS) — 119 enrollees
2. Humana Essentials Plus Giveback (PPO) — 36 enrollees
3. AARP Medicare Advantage from UHC KY-1 (HMO-POS) — 21 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
17
Average Monthly Premium
$23.76/mo
Total PPO Enrollment
92
$0 Premium PPO Plans
11
Average MOOP
$7,897
Top PPO by Enrollment
Humana Essentials Plus Giveback (PPO) — 36 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Cumberland County, Kentucky, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Anthem Medicare Advantage
☆☆☆☆☆
 $41 $9,250 $250 H4036-036-0
Anthem Medicare Advantage 3
☆☆☆☆☆
 $70 $5,900 $300 H4036-034-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $9,850 $700 H7617-049-0
AARP Medicare Advantage from UHC KY-0003
☆☆☆☆☆
 $57 $7,150 $685 H8768-013-0
AARP Medicare Advantage Patriot No Rx KY-MA01
☆☆☆☆☆
 $0 $7,150 N/A H8768-020-0
DEVOTED CHOICE 001 KY
☆☆☆☆☆
 $0 $6,050 $650 H5718-001-0
DEVOTED CHOICE GIVEBACK 002 KY
☆☆☆☆☆
 $0 $9,850 $461 H5718-002-0
DEVOTED CHOICE GIVEBACK EXTRAS 011 KY
☆☆☆☆☆
 $0 $7,850 $700 H5718-011-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,500 N/A H5216-225-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,150 N/A H5216-442-0
HumanaChoice H5216-188
☆☆☆☆☆
 $45 $7,150 $700 H5216-188-0
HumanaChoice H5525-008
☆☆☆☆☆
 $0 $7,150 $700 H5525-008-0
Anthem Medicare Advantage
☆☆☆☆☆
 $123 $9,250 $45 R5941-016-0
HumanaChoice R0110-011
☆☆☆☆☆
 $0 $5,400 N/A R0110-011-0
HumanaChoice R0110-012
☆☆☆☆☆
 $68 $9,850 $450 R0110-012-0
Anthem Veteran
☆☆☆☆☆
 $0 $9,250 N/A H4909-023-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $7,500 $700 H3975-001-0
What is the total number of PPO plans offered in Cumberland?

Cumberland County has 17 PPO plans for 2027, with 92 enrolled.

How much do PPO plans cost in Cumberland?

The typical PPO premium in Cumberland is $23.76, and 11 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
1
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
0
$0 Premium HMO Plans
1
Average MOOP
$6,700
Top HMO by Enrollment
— 0 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Cumberland County, Kentucky, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H5619-188
☆☆☆☆☆
 $0 $6,700 $0 H5619-188-2
What is the average monthly premium for HMO plans?
HMO plans in Cumberland cost $0.00 per month on average.
Which HMO plan is most popular in Cumberland?
The most popular HMO plan in Cumberland is , with 0 enrollees.
How many HMO plans in Cumberland do not include drug coverage?
There are 0 HMO plans in Cumberland without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 9
  • Average Monthly Premium $13.11/mo
  • Total HMO-POS Enrollment 158
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $7,083
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 119 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Cumberland County, Kentucky, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC KY-0002
☆☆☆☆☆
 $64 $6,700 $685 H5253-100-0
AARP Medicare Advantage from UHC KY-1
☆☆☆☆☆
 $0 $7,150 $685 H5253-099-0
AARP Medicare Advantage from UHC KY-5
☆☆☆☆☆
 $19 $7,150 $685 H5253-128-0
AARP Medicare Advantage Giveback from UHC KY-4
☆☆☆☆☆
 $0 $7,150 $685 H5253-127-0
AARP Medicare Advantage Patriot No Rx KY-MA2
☆☆☆☆☆
 $0 $7,150 N/A H5253-235-0
Anthem Medicare Advantage
☆☆☆☆☆
 $0 $7,150 $595 H9525-013-1
Anthem Medicare Advantage 2
☆☆☆☆☆
 $35 $4,450 $595 H9525-021-1
Wellcare Giveback
☆☆☆☆☆
 $0 $9,850 $700 H9730-007-0
Wellcare Simple
☆☆☆☆☆
 $0 $7,000 $700 H9730-009-0
What is the total number of HMO-POS plans in Cumberland?

There are 9 HMO-POS plans in 2027, covering 158 enrollees.

How much do HMO-POS plans cost in Cumberland?

The average HMO-POS premium in Cumberland is $13.11 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Cumberland?

Anthem Medicare Advantage (HMO-POS) is the top HMO-POS in Cumberland, with 119 enrollees.

What is the number of HMO-POS plans without Part D coverage in Cumberland?

1 HMO-POS plans in Cumberland do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Cumberland County, KY for 2027.

CMS Star Ratings for Medicare Advantage Plans in Cumberland County, KY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 18 67%
3 Stars 9 33%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.81

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .