Medicare Advantage
UnitedHealthcare Medicare Advantage in Kentucky for 2027: 22 Plans, County by County
FRANKFORT, Ky. — For the 2027 plan year, UnitedHealthcare is offering 22 Medicare Advantage plans across Kentucky, according to the CMS Medicare Advantage Landscape Source File for CY2027. That total includes 16 HMO-POS plans and 6 PPO plans, with 19 of the 22 including prescription drug coverage. Because Medicare Advantage is sold county by county, a plan listed on the statewide roster may or may not be offered where any one reader lives. This explainer, published by an independent Medicare education site that is not the government and not affiliated with any carrier, walks through what the CMS files show — and what to do with that information before December 7, 2026.
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Key takeaways
- UnitedHealthcare is listing 22 Medicare Advantage plans in Kentucky for 2027, with 19 of them including drug coverage.
- Seven of the 22 plans are new for 2027, and four plans from 2026 are not returning.
- Annual Enrollment 2027 runs October 15 through December 7, 2026, and a choice made in that window takes effect January 1, 2027.
- Whether a specific plan is available in your county, and whether it covers your doctors and prescriptions, has to be checked at medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| 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.
What is UnitedHealthcare offering across Kentucky for 2027?
UnitedHealthcare has 22 Medicare Advantage plans in Kentucky for the 2027 plan year, per the CMS Landscape file. Of those, 16 are HMO-POS and 6 are PPO. Nineteen of the 22 include Part D drug coverage; the remaining three are Medicare Advantage-only plans without drug coverage (listed in the table above as the "Patriot No Rx" plans).
The 2027 lineup also includes Special Needs Plans: 7 Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, and 2 Chronic Condition Special Needs Plans (C-SNPs) for people with qualifying conditions. There are no Institutional SNPs on UnitedHealthcare's Kentucky list this year. For context, CMS shows 10 other carriers offering Medicare Advantage in Kentucky for 2027, and 123 Medicare Advantage plans statewide across all carriers combined.
Which UnitedHealthcare plans reach the most Kentucky counties in 2027?
In Kentucky for 2027, UnitedHealthcare's broadest-reach plans in the CMS file are the D-SNPs: UHC Dual Advantage KY-V1 (HMO-POS D-SNP) is listed in 119 counties, and UHC Dual Complete KY-Q1 (PPO D-SNP) and UHC Dual Complete KY-S3 (PPO D-SNP) are each listed in 118 counties. Kentucky has 120 counties, so these are close to statewide footprints — but only for people who qualify for a D-SNP.
Among the general-enrollment plans in the table above, AARP Medicare Advantage from UHC KY-0003 (PPO), AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS), and AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) are each listed in 115 counties. AARP Medicare Advantage from UHC KY-0002 (HMO-POS), AARP Medicare Advantage from UHC KY-1 (HMO-POS), AARP Medicare Advantage from UHC KY-5 (HMO-POS), and AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) are each listed in 110 counties. A handful of plans using Ohio IDs appear in just 3 to 5 Kentucky counties, typically along the river border.
What is new or not returning in UnitedHealthcare's Kentucky lineup for 2027?
UnitedHealthcare has 7 plans new for 2027 in Kentucky and 4 plans that are not returning, according to the CMS year-over-year comparison. The new plans in the table above include AARP Medicare Advantage from UHC OH-19 (HMO-POS), AARP Medicare Advantage from UHC OH-23 (PPO), AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS), and additional UHC Dual Complete D-SNP entries (KY-Q2 and KY-S4) that are listed in different county groups.
The CMS file also flags several plans as renamed rather than new. For example, AARP Medicare Advantage from UHC KY-1 (HMO-POS) was previously the "Essentials" version, AARP Medicare Advantage from UHC KY-5 (HMO-POS) was the "Extras" version, UHC Dual Advantage KY-V1 was previously UHC Dual Complete KY-V001, and UHC Dual Complete KY-Q1 was previously UHC Dual Complete KY-S001. A rename does not create a new plan — but members usually receive an Annual Notice of Change that explains it, and it is worth reading closely.
If you are currently in one of the 4 plans not returning for 2027, you will get a non-renewal notice from UnitedHealthcare and will need to pick another plan or return to Original Medicare during Annual Enrollment 2027.
How do I check whether a UnitedHealthcare plan is offered in my Kentucky county?
In Kentucky for 2027, the only way to confirm plan availability in your specific county — along with the doctors, hospitals and drugs covered — is to look it up at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. The CMS Landscape file lists plans statewide; it does not promise any particular plan is sold in your ZIP code.
When you use the Medicare Plan Finder, enter your ZIP code and your prescriptions, then review the plan's Summary of Benefits and Evidence of Coverage for the specific details — premium, deductible, copays, provider network, drug tiers, and any extra benefits. Those details are not in the Landscape file and are not in this article. You can also call UnitedHealthcare directly using the number on the plan's page, or ask the doctor's office whether they are contracted with the specific plan ID you are considering for 2027.
What should Kentuckians do before December 7, 2026?
Annual Enrollment 2027 runs from October 15 through December 7, 2026, and the plan you choose takes effect January 1, 2027. Between those dates, you can join a Medicare Advantage plan, switch from one to another, drop one to return to Original Medicare, or add or drop a Part D drug plan.
A simple checklist: read the Annual Notice of Change that your current plan mailed in September; make a list of your prescriptions and your regular providers; use the Medicare Plan Finder at medicare.gov to compare plans available in your county for 2027; and, if a plan interests you, read its Evidence of Coverage before enrolling. If your current plan is on the "not returning" list, mark the December 7, 2026 date on your calendar so your coverage decision is made in time.
Where can Kentuckians get free help comparing 2027 plans?
In Kentucky for 2027, the two free, official sources of help are medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. Both are run by the federal Medicare program and can answer questions about any carrier's plans, not just UnitedHealthcare's.
They can walk you through the Plan Finder, confirm whether a specific plan is offered in your county, and explain how enrollment periods work. This site is independent and does not enroll anyone in a 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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Kentucky for 2027
CMS lists 22 UnitedHealthcare Medicare Advantage plans across Kentucky for 2027, alphabetically by carrier, widest county reach first. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 22 plans | |||
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 119 |
| UHC Dual Complete KY-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 118 |
| UHC Dual Complete KY-S3 (PPO D-SNP) | PPO D-SNP | Yes | 118 |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | PPO | Yes | 115 |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | HMO-POS | Yes | 115 |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | PPO | No | 115 |
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | HMO-POS | Yes | 110 |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) | HMO-POS | Yes | 110 |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) | HMO-POS | Yes | 110 |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | HMO-POS | No | 110 |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 110 |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 87 |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 87 |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 32 |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 32 |
| AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC OH-0001 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC OH-19 (HMO-POS) | HMO-POS | Yes | 5 |
| UHC Complete Care OH-18 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 5 |
| AARP Medicare Advantage from UHC OH-23 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) | PPO | No | 3 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across Kentucky 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in Kentucky for 2027?
Does UnitedHealthcare offer Special Needs Plans in Kentucky for 2027?
What happens if my UnitedHealthcare plan is not returning in 2027?
Where do I find each plan's premium, copays and provider network?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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.
Sources and methodology
- 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
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the Kentucky plan counts, plan types, SNP breakdown, drug-coverage counts and county reach for UnitedHealthcare.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 7 new UnitedHealthcare plans, 4 not returning, and renamed plans.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates of October 15 through December 7, 2026, with coverage starting January 1, 2027.
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.