2027 Medicare plans in Mercer County, KY
The Medicare Advantage and Part D drug plans sold in Mercer County, Kentucky for 2027 in CMS's plan data, with each plan's premium, out-of-pocket maximum and star rating. Open enrollment for 2027 runs October 15 to December 7, 2026.
At a glance
- 58 plans from 8 insurance companies
- Medicare Advantage plans with drug coverage: 23, premiums $0 to $123 a month; 13 have a $0 premium
- Part D drug plans: 8, premiums $5.30 to $225.90 a month
- Plans with a CMS star rating of 4 or more: 31
Compare these plans for your prescriptions
Enter your ZIP code and add your prescriptions to see each plan's estimated yearly cost, including your drugs, next to Cost Plus Drugs prices.
Compare plans with my prescriptionsMedicare Advantage plans with drug coverage (23)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage from UHC KY-1 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 4.0 |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 4.0 |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · drug deductible $595 | $0 | $7,150 | ★ 3.5 |
| Essence Advantage (HMO)Essence Healthcare · HMO · drug deductible $340 | $0 | $5,400 | ★ 4.0 |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.5 |
| Humana Value Choice (PPO)Humana · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.5 |
| HumanaChoice Giveback H5216-322 (PPO)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| HumanaChoice H5216-226 (PPO)Humana · PPO · drug deductible $700 | $0 | $6,600 | ★ 4.0 |
| HumanaChoice H5216-317 (PPO)Humana · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.0 |
| HumanaChoice H5525-008 (PPO)Humana · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.0 |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $7,000 | ★ 3.0 |
| Wellcare Simple Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $7,500 | ★ 3.0 |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $19 | $7,150 | ★ 4.0 |
| Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · drug deductible $595 | $35 | $4,450 | ★ 3.5 |
| Essence Advantage Choice (PPO)Essence Healthcare · PPO · drug deductible $700 | $39 | $9,850 | ★ 4.0 |
| Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $250 | $41 | $9,250 | ★ 4.5 |
| HumanaChoice H5216-188 (PPO)Humana · PPO · drug deductible $700 | $45 | $7,150 | ★ 4.0 |
| AARP Medicare Advantage from UHC KY-0003 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $57 | $7,150 | ★ 4.0 |
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $64 | $6,700 | ★ 4.0 |
| HumanaChoice R0110-012 (Regional PPO)Humana · PPO · drug deductible $450 | $68 | $9,850 | ★ 3.5 |
| Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $300 | $70 | $5,900 | ★ 4.5 |
| Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $45 | $123 | $9,250 | ★ 3.5 |
Medicare Advantage plans without drug coverage (6)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO)UnitedHealthcare · PPO | $0 | $7,150 | ★ 4.0 |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS)UnitedHealthcare · HMO-POS | $0 | $7,150 | ★ 4.0 |
| Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO | $0 | $9,250 | ★ 3.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $6,500 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $9,150 | ★ 4.0 |
| HumanaChoice R0110-011 (Regional PPO)Humana · PPO | $0 | $5,400 | ★ 3.5 |
Special Needs Plans (only for people who qualify) (21)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| Anthem Chronic Care Advantage (HMO C-SNP)Anthem Blue Cross and Blue Shield · HMO · drug deductible $235 | $0 | $9,850 | ★ 3.5 |
| Anthem Kidney Care (HMO-POS C-SNP)Anthem Blue Cross and Blue Shield · HMO-POS · drug deductible $50 | $0 | $6,050 | ★ 3.5 |
| Humana Dual QMB Only (HMO D-SNP)Humana · HMO · drug deductible $350 | $0 | $9,850 | ★ 4.0 |
| Humana Dual Select H5619-075 (HMO D-SNP)Humana · HMO · drug deductible $250 | $0 | $9,850 | ★ 4.0 |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP)Humana · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Humana Senior Living Plan (PPO I-SNP)Humana · PPO · drug deductible $400 | $0 | $6,180 | ★ 4.5 |
| Humana Together in Health (PPO I-SNP)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Humana Together in Health (PPO I-SNP)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.5 |
| UHC Complete Care KY-6 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 4.0 |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Dual Access (HMO-POS D-SNP)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Dual Access Sync Open (PPO D-SNP)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Dual Reserve (HMO-POS D-SNP)Wellcare · HMO-POS · drug deductible $700 | $0 | $6,700 | ★ 3.0 |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $0.90 | $9,850 | ★ 3.0 |
| Abilis Health (HMO I-SNP)Abilis Health (HMO SNP) · HMO · drug deductible $700 | $16.20 | $9,850 | ★ 3.5 |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP)Humana · PPO · drug deductible $700 | $17 | $9,850 | ★ 4.0 |
| Passport Advantage (HMO D-SNP)Passport Advantage · HMO · drug deductible $700 | $17 | $9,850 | ★ 3.5 |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $17 | $6,700 | ★ 3.0 |
| UHC Dual Complete KY-Q1 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $17 | $9,850 | ★ 3.5 |
| UHC Dual Complete KY-S3 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $17 | $9,850 | ★ 3.5 |
Part D drug plans (to add to Original Medicare) (8)
| Plan | Premium per month | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · PDP | $5.30 | $700 | ★ 3.0 |
| Wellcare Classic (PDP)Wellcare · PDP | $8.30 | $700 | ★ 3.0 |
| Humana Basic Rx Plan (PDP)Humana · PDP | $9.30 | $700 | ★ 4.5 |
| Humana Value Rx Plan (PDP)Humana · PDP | $26.30 | $687 | ★ 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · PDP | $122.40 | $700 | ★ 2.5 |
| Humana Premier Rx Plan (PDP)Humana · PDP | $144.50 | $350 | ★ 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · PDP | $160.40 | $700 | ★ 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · PDP | $225.90 | $300 | ★ 3.0 |
Sorted by monthly premium. The lowest premium isn't always the lowest total cost: drug costs, copays and the out-of-pocket maximum matter too.
Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.