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2027 Medicare Advantage Plans in Oldham County, KY

Last update: .

Oldham County, KY has 31 Medicare Advantage plans available in 2027. These include 19 plans with no monthly premium, and roughly 68% are rated at least 4 stars based on CMS data.

At a Glance

Average Monthly Premium: $19.50/mo
$0 Premium Plans: 19
Average MOOP: $7,356 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 68% · 3 Stars: 32% · Below 3: 0%
Average Part D Deductible: $554.17
Total MA/MAPD Enrollment: 2,138
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Anthem Medicare Advantage (HMO-POS) — 873 enrollees
2. Humana Essentials Plus Giveback (PPO) — 183 enrollees
3. Anthem Medicare Advantage 3 (PPO) — 155 enrollees

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. 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 19
  • Average Monthly Premium $25.61/mo
  • Total PPO Enrollment 924
  • $0 Premium PPO Plans 10
  • Average MOOP $7,721
  • Top PPO by Enrollment Humana Essentials Plus Giveback (PPO) — 183 enrollees
  • PPO Plans Without Drug Coverage 6

Comparison table of 2027 PPO Medicare Advantage Plans available in Oldham 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 Value Plus
☆☆☆☆☆
 $10 $5,500 $500 H5521-490-0
Essence Advantage Choice
☆☆☆☆☆
 $39 $9,850 $700 H6200-006-0
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 H5216-019
☆☆☆☆☆
 $34 $6,800 $700 H5216-019-0
HumanaChoice H5216-188
☆☆☆☆☆
 $45 $7,150 $700 H5216-188-0
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 Oldham?

Humana Essentials Plus Giveback (PPO) is the top PPO in Oldham, with 183 enrollees.

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

There are 6 PPO plans in Oldham 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
2
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
71
$0 Premium HMO Plans
2
Average MOOP
$6,050
Top HMO by Enrollment
Essence Advantage (HMO) — 71 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Oldham County, Kentucky
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Essence Advantage
☆☆☆☆☆
 $0 $5,400 $340 H2610-021-0
Humana Gold Plus H5619-188
☆☆☆☆☆
 $0 $6,700 $0 H5619-188-1

What is the typical premium for HMO plans in Oldham?

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

Which HMO plan do most beneficiaries choose in Oldham?

The most popular HMO plan in Oldham is Essence Advantage (HMO), with 71 enrollees.

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

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 10
  • Average Monthly Premium $11.80/mo
  • Total HMO-POS Enrollment 1,143
  • $0 Premium HMO-POS Plans 7
  • Average MOOP $6,925
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 873 enrollees
  • HMO-POS Plans Without Drug Coverage 1

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Oldham 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 $5,500 $500 H0628-024-0
Anthem Medicare Advantage
☆☆☆☆☆
 $0 $7,150 $595 H9525-013-2
Anthem Medicare Advantage 2
☆☆☆☆☆
 $35 $4,450 $595 H9525-021-2
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 Oldham?

In 2027, Oldham has 10 HMO-POS plans with 1,143 enrollees.

How much do HMO-POS plans cost in Oldham?

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

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

CMS Star Ratings for Medicare Advantage Plans in Oldham County, KY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 21 68%
3 Stars 10 32%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.84

* 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 Oldham County, Kentucky, including communities such as Crestwood, Goshen, La Grange, Pewee Valley, 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 .