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2027 Medicare Advantage Plans in Montgomery County, KY

Last update: .

Montgomery County, KY has 35 Medicare Advantage plans available in 2027. These include 24 plans with no monthly premium, and roughly 71% are rated at least 4 stars based on CMS data.

At a Glance

Average Monthly Premium: $16.16/mo
$0 Premium Plans: 24
Average MOOP: $7,439 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 71% · 3 Stars: 29% · Below 3: 0%
Average Part D Deductible: $566.82
Total MA/MAPD Enrollment: 1,622
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Anthem Medicare Advantage (HMO-POS) — 444 enrollees
2. HumanaChoice H5216-317 (PPO) — 115 enrollees
3. Wellcare Simple (HMO-POS) — 113 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Montgomery County, KY. Or explore all Medicare Options available in Montgomery County, KY. To understand how local plans fit into the broader market, visit our Kentucky Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 24
  • Average Monthly Premium $18.65/mo
  • Total PPO Enrollment 839
  • $0 Premium PPO Plans 16
  • Average MOOP $7,642
  • Top PPO by Enrollment HumanaChoice H5216-317 (PPO) — 115 enrollees
  • PPO Plans Without Drug Coverage 6

Comparison table of 2027 PPO Medicare Advantage Plans available in Montgomery County, Kentucky
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
Humana Value Choice
☆☆☆☆☆
 $0 $7,150 $700 H7617-050-0
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
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $6,900 N/A H5521-488-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $6,350 $500 H5521-156-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $10 $5,500 $500 H5521-490-0
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 $9,150 N/A H5216-442-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,500 N/A H5216-225-0
HumanaChoice Giveback H5216-322
☆☆☆☆☆
 $0 $9,850 $700 H5216-322-0
HumanaChoice H5216-019
☆☆☆☆☆
 $34 $6,800 $700 H5216-019-0
HumanaChoice H5216-188
☆☆☆☆☆
 $45 $7,150 $700 H5216-188-0
HumanaChoice H5216-226
☆☆☆☆☆
 $0 $6,600 $700 H5216-226-0
HumanaChoice H5216-317
☆☆☆☆☆
 $0 $7,150 $700 H5216-317-0
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 most popular PPO plan in Montgomery?

HumanaChoice H5216-317 (PPO) is the top PPO in Montgomery, with 115 enrollees.

What is the number of PPO plans without Part D coverage in Montgomery?

There are 6 PPO plans in Montgomery without prescription drug coverage.

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

Comparison table of 2027 HMO Medicare Advantage Plans available in Montgomery County, Kentucky
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H5619-188
☆☆☆☆☆
 $0 $6,700 $0 H5619-188-1

What is the typical premium for HMO plans in Montgomery?

HMO plans in Montgomery cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Montgomery?

The most popular HMO plan in Montgomery is , with 0 enrollees.

How many HMO options are offered without prescription drug coverage in Montgomery?

There are 0 HMO plans in Montgomery 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 10
  • Average Monthly Premium $11.80/mo
  • Total HMO-POS Enrollment 783
  • $0 Premium HMO-POS Plans 7
  • Average MOOP $7,025
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 444 enrollees
  • HMO-POS Plans Without Drug Coverage 1

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Montgomery County, Kentucky
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
Aetna Medicare Signature
☆☆☆☆☆
 $0 $6,500 $400 H0628-008-0
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 Montgomery?

In 2027, Montgomery has 10 HMO-POS plans with 783 enrollees.

How much do HMO-POS plans cost in Montgomery?

The typical HMO-POS premium in Montgomery is $11.80, and 7 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Montgomery County, KY for 2027.

CMS Star Ratings for Medicare Advantage Plans in Montgomery County, KY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 25 71%
3 Stars 10 29%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.86

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Montgomery County, Kentucky, including communities such as Jeffersonville, Mount Sterling, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

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