2026 Medicare Advantage Plans in Oldham County, KY
Last update: . Enrollment data updated: May 2, 2026
In Oldham County, KY, there are 33 Medicare Advantage plans available for 2026. Of these, 22 offer a $0 monthly premium, and about 36% 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 Oldham County, KY. Or explore all Medicare Options available in Oldham County, KY.
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.
What is the total number of PPO plans offered in Oldham?
Oldham County has 23 PPO plans for 2026, with 1,385 enrolled.
How much do PPO plans cost in Oldham?
The typical PPO premium in Oldham is $14.62, and 14 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
- 65
- $0 Premium HMO Plans
- 1
- Average MOOP
- $3,350
- Top HMO by Enrollment
- Essence Advantage (HMO) — 65 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Essence Advantage | $0 | $3,350 | $340 | H2610-021-0 |
- What is the average monthly premium for HMO plans?
- HMO plans in Oldham cost $0.00 per month on average.
- Which HMO plan is most popular in Oldham?
- The most popular HMO plan in Oldham is Essence Advantage (HMO), with 65 enrollees.
- How many HMO plans in Oldham do not include drug coverage?
- There are 0 HMO plans in Oldham 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 $8.51/mo
- Total HMO-POS Enrollment 1,165
- $0 Premium HMO-POS Plans 7
- Average MOOP $6,528
- Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 892 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC KY-1 | $0 | $6,700 | $520 | H5253-099-0 | |
| AARP Medicare Advantage Extras from UHC KY-5 | $0 | $6,700 | $600 | H5253-128-0 | |
| AARP Medicare Advantage from UHC KY-0002 | $45 | $5,400 | $520 | H5253-100-0 | |
| AARP Medicare Advantage Giveback from UHC KY-4 | $0 | $6,700 | $600 | H5253-127-0 | |
| Aetna Medicare Signature | $0 | $5,500 | $615 | H0628-024-0 | |
| Anthem Medicare Advantage | $0 | $6,750 | $230 | H9525-013-2 | |
| Wellcare Assist | $32 | $5,000 | $550 | H9730-010-0 | |
| Wellcare Giveback | $0 | $9,000 | $615 | H9730-007-0 | |
| Wellcare Simple | $0 | $7,000 | $615 | H9730-009-0 |
What is the total number of HMO-POS plans in Oldham?
There are 9 HMO-POS plans in 2026, covering 1,165 enrollees.
How much do HMO-POS plans cost in Oldham?
The average HMO-POS premium in Oldham is $8.51 per month, with 7 plans offering $0 premiums.
What is the leading HMO-POS plan in Oldham?
Anthem Medicare Advantage (HMO-POS) is the top HMO-POS in Oldham, with 892 enrollees.
What is the number of HMO-POS plans without Part D coverage in Oldham?
0 HMO-POS plans in Oldham do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Oldham County, KY for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 12 | 36% |
| 3 Stars | 21 | 64% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.71 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 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 .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.