Medicare Advantage
Does UnitedHealthcare Fit Your Fayette County Needs?
Lexington, Ky. — Fall 2026. UnitedHealthcare's 2027 Medicare Advantage menu in Fayette County will look a little different from the one on the shelf today. According to the CMS Landscape Source File for the 2027 plan year, the carrier will offer 13 Medicare Advantage plans in the county, including three that are new, two that are not returning, and four that carry a new name. Here is how to read that lineup before the December 7, 2026 deadline — and how to check any plan you are considering against your own doctors and prescriptions.
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Key takeaways
- UnitedHealthcare lists 13 Medicare Advantage plans in Fayette County for 2027 — 9 HMO-POS and 4 PPO — with 11 including drug coverage.
- Three of those plans are new for 2027, two 2026 plans are not returning, and four have been renamed; the specifics for any current plan are in its Annual Notice of Change (ANOC).
- Six of the 13 plans are Special Needs Plans — five Dual-Eligible (D-SNP) and one Chronic Condition (C-SNP) — which have eligibility rules beyond simply being on Medicare.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and any change you make takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Fayette County (2026) | 65 | CMS |
| Medicare Advantage plans offered in Fayette County (2027) | 66 | CMS |
| Plans not returning for 2027 / new for 2027 | 11 / 12 | CMS |
| Organizations offering Medicare Advantage in Fayette County (2026) | 9 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Fayette County | 54% | CMS |
| Residents age 65 and older, Fayette County | 47,626 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
MyMedicarePlans.org is an independent consumer site. We are not UnitedHealthcare, AARP, or Medicare. UnitedHealthcare is one of nine carriers offering Medicare Advantage plans in Fayette County next year; across all carriers, Fayette County has 66 Medicare Advantage plans for 2027.
What Medicare Advantage plans does UnitedHealthcare offer in Lexington for 2027?
Lexington is in Fayette County, where UnitedHealthcare will offer 13 Medicare Advantage plans for the 2027 plan year. By plan type, that breaks down to 9 HMO-POS plans and 4 PPO plans. Eleven of the 13 include Part D prescription drug coverage; two are offered without drug coverage.
The full roster is in the table below. In alphabetical order, the UnitedHealthcare plans available in Fayette County for 2027 are: AARP Medicare Advantage from UHC KY-0002 (HMO-POS), AARP Medicare Advantage from UHC KY-0003 (PPO), AARP Medicare Advantage from UHC KY-1 (HMO-POS), AARP Medicare Advantage from UHC KY-5 (HMO-POS), AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS), AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO), AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS), UHC Complete Care KY-6 (HMO-POS C-SNP), UHC Dual Advantage KY-V1 (HMO-POS D-SNP), UHC Dual Complete KY-Q1 (PPO D-SNP), UHC Dual Complete KY-Q2 (HMO-POS D-SNP), UHC Dual Complete KY-S3 (PPO D-SNP), and UHC Dual Complete KY-S4 (HMO-POS D-SNP).
We cannot publish premiums, copays, deductibles, network details, or star ratings for any of these plans. Those details change year to year and are the exact things you want to look up fresh at medicare.gov.
What is new, renamed, or not returning in UnitedHealthcare's 2027 Lexington lineup?
For 2027 in Fayette County, UnitedHealthcare has three new plans, two plans that are not returning, and four plans that kept the same plan but changed names. The three new plans are AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS), UHC Dual Complete KY-Q2 (HMO-POS D-SNP), and UHC Dual Complete KY-S4 (HMO-POS D-SNP).
The four renamed plans — same plan, new name on the mail — are:
- AARP Medicare Advantage from UHC KY-1 (HMO-POS), which was AARP Medicare Advantage Essentials from UHC KY-1 (HMO-POS)
- AARP Medicare Advantage from UHC KY-5 (HMO-POS), which was AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS)
- UHC Dual Advantage KY-V1 (HMO-POS D-SNP), which was UHC Dual Complete KY-V001 (HMO-POS D-SNP)
- UHC Dual Complete KY-Q1 (PPO D-SNP), which was UHC Dual Complete KY-S001 (PPO D-SNP)
Two plans UnitedHealthcare offered in Fayette County in 2026 are not on the 2027 list. If you are enrolled in one of them, the carrier is required to mail you an Annual Notice of Change (ANOC) by the end of September explaining what is happening and what your options are. Members who do nothing may be moved to a different plan or may need to pick a new plan during the Annual Enrollment Period.
Which UnitedHealthcare plans are Special Needs Plans (SNPs)?
Six of UnitedHealthcare's 13 Fayette County plans for 2027 are Special Needs Plans — five Dual-Eligible SNPs (D-SNPs) and one Chronic Condition SNP (C-SNP). The D-SNPs are designed for people who have both Medicare and Medicaid. The C-SNP is for people living with a specific qualifying chronic condition.
SNPs have enrollment rules that general Medicare Advantage plans do not. You have to meet the eligibility criteria to join and to stay enrolled. If you are not sure whether you qualify, Medicare.gov and 1-800-MEDICARE can tell you.
How do I check a plan against my doctors and my prescriptions before December 7?
The most reliable place to check is the Medicare Plan Finder at medicare.gov, which is updated with the 2027 plans in early October 2026. Enter your ZIP code and your drug list, and the tool will show the carrier's current formulary, the pharmacies in network, and estimated yearly drug costs plan by plan. For doctors and hospitals, open the plan's provider directory on the carrier's own website or call the number on the plan's materials — networks change every January, so last year's answer is not good enough.
A short checklist before you decide:
1. Pull out your prescription bottles and make a list, with doses. 2. Write down the providers you want to keep — primary care, any specialists, your preferred hospital, your pharmacy. 3. Run the plan through the Plan Finder with that list, and confirm each provider in the plan's current directory. 4. Read the Summary of Benefits for 2027, not 2026. 5. If you already have a Medicare Advantage plan, read your ANOC — it spells out any changes to premium, cost sharing, benefits, or drug list for 2027.
If something does not line up, you have until December 7, 2026 to switch. If you do nothing, your current plan simply renews for 2027 (if it is being offered), with the changes described in the ANOC.
What is changing in Medicare itself for 2027?
A few program-level numbers are already set for 2027 by CMS. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not what any one plan charges.
A few other 2027 figures are not out yet. The standard Part B premium and deductible for 2027 are usually announced by CMS in November, and the 2027 IRMAA income brackets come out at the same time. We will update our coverage when those are published.
The Medicare Prescription Payment Plan — the optional program that lets you spread Part D drug costs across the year instead of paying at the pharmacy counter — continues in 2027. You can opt in through your Part D or Medicare Advantage plan.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Fayette County
(MA penetration in Fayette County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Fayette County for 2027
CMS lists 13 UnitedHealthcare Medicare Advantage plans in Fayette County for 2027, alphabetically by carrier. 8 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 13 plans | |||
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) | HMO-POS | Yes | Renamed |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) | HMO-POS | Yes | Renamed |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | PPO | No | Returning |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | HMO-POS | No | New |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete KY-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete KY-S3 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans in Fayette County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
Do I have to do anything if I like my UnitedHealthcare plan and it is on the 2027 list?
What happens if my 2026 plan is one of the two UnitedHealthcare plans not returning?
Can I enroll in a UnitedHealthcare Dual Complete or Dual Advantage plan if I only have Medicare?
Where can I see premiums, copays, and star ratings for these plans?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Lexington
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (plan year 2027): the Fayette County plan list, plan types, SNP flags, drug-coverage flags, and the new, renamed and not-returning markers for UnitedHealthcare.
- CMS — Medicare Advantage Landscape Source File (plan year 2026): the year-over-year comparison that identifies what changed for 2027.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
- Medicare.gov: the Annual Enrollment Period dates (October 15 – December 7) and the Plan Finder used to check doctors, pharmacies and drugs against a specific plan.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.