Medicare Advantage

Before AEP: see every Lexington Advantage plan for 2026

Fayette County has 57 Medicare Advantage plans for 2027. Compared with 2026, 11 plans are not coming back, 12 are new, and 14 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Lexington, not which plan to pick.

Medicare AdvantageLexington, KY

Lexington sits in Fayette County, and that is the geography Medicare uses when it decides which Medicare Advantage plans you can shop. For plan year 2027, the Centers for Medicare & Medicaid Services (CMS) shows 57 Medicare Advantage plans offered in Fayette County, spread across 9 carriers. The full lineup — every plan, its type, and whether it includes drug coverage — is in the table below.

This article is a plain-language guide to that table: who offers plans in the area, what the plan-type letters mean, and where to check the details that matter to your own situation.

What the Lexington table actually shows

The table on this page lists every Medicare Advantage plan CMS has approved to be sold in Fayette County for 2027. Each row shows the plan name, the carrier, the plan type (HMO, HMO-POS, PPO, or one of the SNP variants), and whether the plan includes Part D drug coverage. In Fayette County, all 57 of the listed plans include drug coverage.

The nine carriers offering Medicare Advantage plans in the area, in alphabetical order, are Abilis Health, Aetna (CVS Health), Centene (WellCare), Devoted Health, Elevance Health (Anthem), Essence Healthcare, Humana, Passport Advantage and UnitedHealthcare. Their plan counts range from a single plan up through the low twenties.

The plan types, in plain English

Medicare Advantage plans come in a few shapes, and the table uses shorthand for each.

• HMO (Health Maintenance Organization): You generally use the plan's network and pick a primary care doctor. Referrals may be required to see specialists.
• HMO-POS (Point of Service): An HMO with a limited option to go out of network for certain services, usually at a higher cost.
• PPO (Preferred Provider Organization): You can typically see in-network or out-of-network providers, with different cost-sharing for each.
• Regional PPO: A PPO with a service area larger than one county — often a state or multi-state region.

You'll also see "SNP" tags on some rows. Special Needs Plans are limited to people who meet specific criteria:

• D-SNP — for people with both Medicare and Medicaid (dual eligibles).
• C-SNP — for people with certain chronic conditions (for example, chronic kidney disease).
• I-SNP — for people who live in an institutional setting such as a nursing facility, or who need that level of care at home.

In Fayette County, 25 of the 65 plans are SNPs. Examples in the roster include Aetna Medicare HIDE (HMO D-SNP), Wellcare Dual Access Sync (HMO-POS D-SNP), Anthem Kidney Care (HMO-POS C-SNP), Humana Gold Plus Chronic Kidney Disease (HMO C-SNP), Passport Advantage (HMO D-SNP) and several UHC Dual Complete plans. If you don't meet an SNP's eligibility rules, you can't enroll in it — even if it's listed for your county.

Drug coverage is built in

Every Medicare Advantage plan available in Fayette County for 2027 includes Part D prescription drug coverage. CMS also reports zero stand-alone Part D plans in the local landscape file for this area's Medicare Advantage shoppers, which is typical: people who choose Medicare Advantage usually get their drug coverage bundled inside the plan.

A few program-level Part D facts worth knowing for 2027:

• The Part D out-of-pocket cap for covered drugs is $2,100.
• The maximum Part D deductible any plan can charge is $615.
• The old "donut hole" coverage gap was eliminated as of 2025; Part D now has three phases (deductible, initial coverage, and catastrophic).
• The Medicare Prescription Payment Plan lets you spread your covered drug costs over the calendar year in monthly payments instead of paying them all at once at the pharmacy.

These rules apply to Part D coverage generally. What a specific plan charges for a specific drug is on the plan's formulary and in its Summary of Benefits.

How the carriers stack up by count

Because there are 65 plans, it helps to know which carriers bring the most options to Lexington-area shoppers. The counts below come straight from the CMS Landscape file and do not imply anything about quality, price or benefits — just how many plans each carrier lists in Fayette County.

• Humana: 23 plans (HMO, PPO; 7 SNPs)
• UnitedHealthcare: 12 plans (HMO-POS, PPO; 6 SNPs)
• Centene (WellCare): 9 plans (HMO-POS, PPO; 4 SNPs)
• Aetna (CVS Health): 6 plans (HMO, HMO-POS, PPO; 2 SNPs)
• Elevance Health (Anthem): 6 plans (HMO-POS, PPO; 1 SNP)
• Devoted Health: 4 plans (PPO; 2 SNPs)
• Abilis Health: 2 plans (HMO; 2 SNPs)
• Essence Healthcare: 2 plans (HMO, PPO)
• Passport Advantage: 1 plan (HMO; 1 SNP)

Where to find the numbers that matter to you

The table below tells you what is offered, but it doesn't tell you what any of it costs, which doctors are in-network, or which drugs are on a given formulary. Those details are plan-specific and change year to year, which is why CMS keeps the authoritative version in one place. The two best sources:

• Medicare Plan Finder at medicare.gov — enter your ZIP code and, if you want, your prescriptions, and you'll see each plan's premium, deductible, drug tiers and network tools.
• The plan's own documents — the Summary of Benefits, Annual Notice of Change (ANOC), and Evidence of Coverage. Every plan is required to publish these.

For one-on-one help that is not tied to any insurance company, Kentucky's State Health Insurance Assistance Program (SHIP) offers free counseling. You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week.

Key dates for 2027 coverage

• October 15 – December 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan for coverage that starts January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to a different Medicare Advantage plan or return to Original Medicare (and pick up a stand-alone Part D plan if you need one).
• Special Enrollment Periods may apply if you move, lose other coverage, or qualify for Extra Help or Medicaid.