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Medicare Advantage Plans in Spencer County, KY
Looking for Medicare Advantage plans in Spencer County? Enter your ZIP below to compare affordable monthly premium plans in your area.
Spencer County, KY, is home to 59 Medicare Advantage (Medicare Part C) plans in 2025.
Learn more about Medicare Advantage in Kentucky or call to speak with a licensed insurance agent who can help you compare Spencer County Medicare Advantage plans and – if you're eligible – help you enroll.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
Enrollment may be limited to certain times of the year. See why you may be able to enroll.
2025 Medicare Advantage plans in Spencer County
| 2025 Medicare Advantage Plans in Spencer | |
|---|---|
| Number of unique plans | 59 |
| Average monthly premium | $9.73 |
| Average (in-network) out-of-pocket maximum | $7,058.47 |
| Average Medicare Star Rating* | 3.53 |
While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.
The average monthly premium for Medicare Advantage plans in Spencer is $9.73 per month in 2025, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in Spencer County have an average Medicare Star Rating of 3.53 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.
Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in Kentucky or wherever you may live.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. 2025 Star Ratings have not yet been released but will be updated on this page as soon as the data is available.
List of Medicare Advantage plans in Spencer County
The following table includes cost information and other plan details for Medicare Advantage plans available in Spencer in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC KY-1 (HMO-POS) | H5253-099-000 | $0.00 | $340.00 | $5,400.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) | H5253-128-000 | $0.00 | $420.00 | $6,700.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | H5253-100-000 | $39.00 | $340.00 | $3,900.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | H8768-013-000 | $0.00 | $420.00 | $6,700.00 | Yes | 3 out of 5 stars |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | H5253-127-000 | $0.00 | $495.00 | $6,700.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | H8768-020-000 | $0.00 | N/A | $6,700.00 | No | 3 out of 5 stars |
| Aetna Medicare Assure 1 (HMO D-SNP) | H0628-012-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Eagle (PPO) | H5521-488-000 | $0.00 | N/A | $6,900.00 | No | 4.5 out of 5 stars |
| Aetna Medicare Premier (HMO-POS) | H0628-024-000 | $0.00 | $250.00 | $5,500.00 | Yes | 4 out of 5 stars |
| Aetna Medicare SmartFit (PPO) | H5521-442-000 | $0.00 | $590.00 | $4,500.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Value (PPO) | H5521-259-000 | $0.00 | $250.00 | $5,500.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Value Plus (PPO) | H5521-490-000 | $49.60 | $250.00 | $5,500.00 | Yes | 4.5 out of 5 stars |
| Anthem Dual Advantage (HMO D-SNP) | H9525-016-000 | $37.70 | $0.00 | $4,900.00 | Yes | 3.5 out of 5 stars |
| Anthem Full Dual Advantage (HMO D-SNP) | H9525-007-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Anthem Full Dual Advantage 2 (HMO D-SNP) | H9525-019-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Anthem Kidney Care (HMO-POS C-SNP) | H9525-011-000 | $0.00 | $0.00 | $5,900.00 | Yes | 3.5 out of 5 stars |
| Anthem Medicare Advantage (HMO-POS) | H9525-013-002 | $0.00 | $0.00 | $4,800.00 | Yes | 3.5 out of 5 stars |
| Anthem Medicare Advantage (PPO) | H4036-036-000 | $0.00 | $350.00 | $6,750.00 | Yes | 4 out of 5 stars |
| Anthem Medicare Advantage (Regional PPO) | R4487-001-000 | $74.00 | $0.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| Anthem Medicare Advantage 2 (PPO) | H4036-035-000 | $38.00 | $0.00 | $4,950.00 | Yes | 4 out of 5 stars |
| Anthem Medicare Advantage 3 (PPO) | H4036-034-000 | $49.00 | $0.00 | $5,900.00 | Yes | 4 out of 5 stars |
| Anthem Veteran (PPO) | H4909-023-000 | $0.00 | N/A | $6,700.00 | No | 3 out of 5 stars |
| Devoted CHOICE GIVEBACK Kentucky (PPO) | H5718-002-000 | $0.00 | $590.00 | $9,350.00 | Yes | Plan too new to be measured |
| Devoted CHOICE Kentucky (PPO) | H5718-001-000 | $0.00 | $590.00 | $5,500.00 | Yes | Plan too new to be measured |
| Humana Dual Select H5619-075 (HMO D-SNP) | H5619-075-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | H5619-164-000 | $0.00 | $150.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus - End Stage Renal Disease (HMO C-SNP) | H5619-170-000 | $0.00 | $590.00 | $7,500.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus H5619-071 (HMO) | H5619-071-000 | $0.00 | $250.00 | $5,500.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus H5619-172 (HMO) | H5619-172-000 | $11.00 | $590.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) | H5619-163-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5216-442-000 | $0.00 | N/A | $9,350.00 | No | 3.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5216-225-000 | $0.00 | N/A | $6,700.00 | No | 3.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5216-105-000 | $0.00 | N/A | $4,200.00 | No | 3.5 out of 5 stars |
| Humana USAA Honor Giveback with Rx (PPO) | H5216-396-000 | $0.00 | $350.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice Giveback H5216-322 (PPO) | H5216-322-000 | $0.00 | $590.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-019 (PPO) | H5216-019-000 | $35.00 | $200.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-107 (PPO) | H5216-107-000 | $121.00 | $300.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-188 (PPO) | H5216-188-000 | $43.00 | $0.00 | $6,800.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-226 (PPO) | H5216-226-000 | $0.00 | $200.00 | $6,800.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-317 (PPO) | H5216-317-000 | $0.00 | $250.00 | $6,750.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice R0110-011 (Regional PPO) | R0110-011-000 | $0.00 | N/A | $5,600.00 | No | 3.5 out of 5 stars |
| HumanaChoice R0110-012 (Regional PPO) | R0110-012-000 | $39.10 | $245.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP) | H5525-045-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Passport Advantage (HMO D-SNP) | H1799-003-001 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | H5253-182-000 | $0.00 | $340.00 | $6,700.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete KY-S001 (PPO D-SNP) | H1889-008-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| UHC Dual Complete KY-S002 (HMO-POS D-SNP) | H6595-004-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete KY-S3 (PPO D-SNP) | H1889-030-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | H6595-005-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete KY-V001 (HMO-POS D-SNP) | H6595-003-000 | $0.00 | $0.00 | $5,400.00 | Yes | 4 out of 5 stars |
| Wellcare Assist (HMO-POS) | H9730-010-000 | $37.40 | $590.00 | $5,000.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Access (HMO-POS D-SNP) | H9730-003-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Access Open (PPO D-SNP) | H3975-004-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Liberty (HMO-POS D-SNP) | H9730-004-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Reserve (HMO-POS D-SNP) | H9730-011-000 | $0.00 | $0.00 | $5,000.00 | Yes | 3.5 out of 5 stars |
| Wellcare Giveback (HMO-POS) | H9730-007-000 | $0.00 | $420.00 | $6,700.00 | Yes | 3.5 out of 5 stars |
| Wellcare Patriot Giveback Open (PPO) | H3975-002-000 | $0.00 | N/A | $6,000.00 | No | 3.5 out of 5 stars |
| Wellcare Simple (HMO-POS) | H9730-009-000 | $0.00 | $420.00 | $5,000.00 | Yes | 3.5 out of 5 stars |
| Wellcare Simple Open (PPO) | H3975-001-000 | $0.00 | $420.00 | $6,000.00 | Yes | 3.5 out of 5 stars |