Medicare Advantage

Aetna Medicare Advantage in Kentucky for 2027: 14 Plans, County by County

FRANKFORT, Ky. — For the 2027 plan year, Aetna (which CMS groups as Aetna (CVS Health)) is offering 14 Medicare Advantage plans across Kentucky, according to the CMS Medicare Advantage Landscape Source Files for CY2027. The lineup mixes HMO, HMO-POS and PPO plans, along with Special Needs Plans for people with certain health conditions or who have both Medicare and Medicaid. This article is published by an independent Medicare education site; it is not the government, not affiliated with Medicare, and not Aetna.

Because Medicare Advantage plans are sold county by county, a plan on the statewide list may or may not be available where you live. The full Aetna lineup and the all-carrier comparison appear in the tables on this page.

How many Aetna Medicare Advantage plans are offered in Kentucky for 2027?

Aetna is offering 14 Medicare Advantage plans statewide in Kentucky for 2027. The breakdown is 5 HMO plans, 4 HMO-POS plans and 5 PPO plans. Thirteen of the 14 include Part D prescription drug coverage, and one does not.

Within that count, Aetna lists 5 Special Needs Plans in Kentucky for 2027: 2 Dual Eligible SNPs (D-SNP) for people who have both Medicare and Medicaid, and 3 Chronic Condition SNPs (C-SNP) for people with qualifying health conditions. Aetna has no Institutional SNPs (I-SNP) in the state for 2027. Statewide, 10 other carriers are also offering Medicare Advantage plans in Kentucky for 2027, for a combined total of 123 plans across all carriers.

Which Aetna Medicare Advantage plans cover the most Kentucky counties for 2027?

By county reach in Kentucky for 2027, Aetna's widest-footprint plans are the Aetna Medicare HIDE (HMO D-SNP) and the Aetna Medicare Partial Dual (HMO D-SNP), each listed in 87 counties. Two more plans — the Aetna Medicare Eagle Giveback (PPO) and the Aetna Medicare Value Plus (PPO) — are each listed in 75 counties.

Other Aetna plans in Kentucky appear in smaller geographic areas. The Aetna Medicare Signature (PPO) is listed in 32 counties under one plan ID and in 14 counties under another. The Aetna Medicare Signature Extra (HMO-POS) is in 26 counties, and the Aetna Medicare Signature (HMO-POS) is listed in 23, 18 and 9 counties depending on the plan ID. The three Aetna Medicare Chronic Care (HMO C-SNP) plans are offered in 26, 18 and 9 counties, and the Aetna Medicare Premier (PPO) is offered in 3 counties. The full plan-by-plan county counts are in the table on this page.

What is new or leaving the Aetna Kentucky lineup for 2027?

Three Aetna Medicare Advantage plans are new in Kentucky for 2027, and one Aetna plan offered in 2026 is not returning for 2027. All three new plans are Aetna Medicare Chronic Care (HMO C-SNP) plans — Special Needs Plans for people with qualifying chronic conditions — listed in 26, 18 and 9 counties respectively.

If you are enrolled in the Aetna plan that is not returning for 2027, your plan is required to send you an Annual Notice of Change describing what is happening. You will have time during Annual Enrollment 2027 (October 15 – December 7, 2026) to pick a different plan for coverage that starts January 1, 2027.

How do I check whether an Aetna plan is offered in my Kentucky county and covers my doctors and drugs?

To check county availability in Kentucky for 2027, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The statewide count of 14 Aetna plans does not mean 14 plans are available in every county — each plan is sold in a specific list of counties.

Once you see which Aetna plans are offered in your county, confirm the details that matter to you plan by plan: whether your doctors, hospitals and preferred pharmacy are in the plan's network, and whether your prescriptions are on the plan's formulary. The authoritative sources for those answers are the plan's Evidence of Coverage, its provider directory and its drug list, plus Plan Finder itself. This article does not quote premiums, copays, benefits, networks or star ratings for any plan.

What should Kentucky Medicare beneficiaries do before December 7, 2026?

Annual Enrollment 2027 runs October 15 – December 7, 2026, and the choice you make during that window takes effect January 1, 2027. There is no need to rush — the dates are fixed by CMS — but it helps to work through a short checklist well before December 7.

A reasonable order of operations:

• Read the Annual Notice of Change your current plan mails in the fall; it describes what is changing for 2027.
• Make a list of your doctors, hospitals, pharmacies and prescriptions, with dosages.
• On medicare.gov, enter your ZIP code and compare the Medicare Advantage plans offered in your county for 2027, including the Aetna plans listed above and plans from the 10 other carriers in Kentucky.
• If an Aetna plan interests you, verify networks and the drug list in the plan's own documents or by calling the plan.

Where can Kentuckians get free help comparing 2027 Medicare plans?

Two free, official resources are available to every Kentucky Medicare beneficiary for the 2027 plan year. The Medicare Plan Finder at medicare.gov lets you compare every Medicare Advantage and Part D plan offered in your county. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock to answer questions and help you enroll.

Social Security (ssa.gov or 1-800-772-1213) handles Medicare eligibility and enrollment in Parts A and B, which you need before joining a Medicare Advantage plan.