Kentucky: Medicare Advantage Cost Plans and Demonstrations
Kentucky: Medicare Advantage Cost Plans and Demonstrations
Options in
Kentucky
Medicare Advantage
Cost Plans and Demonstrations
1-800-MEDICARE
TTY 1-877-486-2048
www.medicare.gov
Medicare Advantage, Cost Plans, and Demonstrations Landscape
What is the Landscape of Local Plans?
The Landscape of Local Plans lists all plans available in your area, providing important information on:
How to read the Medicare Advantage, Cost Plans, and Demonstrations Landscape
Medicare Advantage Plans (like an HMO or PPO), Cost Plans, and Demonstrations allow you to get your health care, including prescription drug
coverage at a significantly lower cost through a network of doctors, hospitals, and pharmacies. To help you better understand this information,
read on for a description of each column in the Landscape. Please note, a dash in the "Drug Premium" column means that plan does not offer
prescription drug coverage.
DESCRIPTION
County: The county where the plan is available. To find a plan for you, start by finding your county.
Organization Name: The name of the company offering the Medicare drug plan. Some organizations offer more than one Medicare drug plan.
Plan Name: The name of the Medicare Advantage or other Medicare Health Plan.
i
Type of Medicare Health Plan
HMO: A type of health plan in which you generally must see doctors and hospitals on the plan's list (network) except in an emergency. You also
need a referral to see a specialist.
Local PPO or Regional PPO: A type of health plan in which you pay less if you use doctors and hospitals on the plan's list (network). You can
go to any doctor or hospital not on the plan's list, but it will usually cost more. You do not need a referral to see a specialist. A regional PPO has a
larger service area than a local PPO.
Private Fee-for-Service: A type of health plan in which you can go to any doctor or hospital that accepts the terms of the plan's payment. You do
not need a referral to see a specialist.
Cost Plan: A type of health plan in which you can use doctors and hospitals on the plan's list (network). However, unlike Medicare Advantage
Plans, if you get services from a non-network provider, they are covered under the Original Medicare Plan. Coverage in Medicare Cost Plans can
include prescription drug coverage. These plans don't provide free additional benefits or savings on your Medicare Part B or prescription drug
coverage premiums. There are a limited number of Medicare Cost Plans. Some Medicare Cost Plans cannot accept new enrollment, please check
with the plan for enrollment availability.
Demo Plan: These plans are special projects that test possible future improvements in Medicare coverage, costs, and quality of care.
COST
Total Premium: The total amount you would pay the plan each month for your health care and prescription drug coverage.
Drug Premium: The amount of the total premium that goes toward the drug coverage portion of the Medicare Advantage or other Medicare
Health Plan. This is not an additional amount you pay. A dash in the "Drug Premium" column means that plan does not offer prescription drug
coverage.
Drug Deductible: The amount you pay before the drug plan begins to pay.
ii
COVERAGE
Offers Variable Copayments (tiers): In plans that offer variable copayments, you will pay a fixed amount for each drug and this fixed amount
may be different depending on the type of drug. For example, you may pay a lower copayment for generic medications compared to brand
medications because generic medications may be on a lower formulary level (tier) than brand medications.
Type of Extra Coverage Offered in the Gap: All plans offer coverage until you hit a limit of $2,250 in total drug costs. And all plans offer
coverage when your out-of-pocket costs exceed $3,600. Some plans offer coverage during the gap between $2,250 in total costs and $3,600 in
out-of-pocket costs.
Generics and Brands: Plan covers generic and brand drugs in coverage gap.
Number of Top 100 Drugs on Formulary: How many of the most commonly used 100 drugs by people with Medicare the plan covers.
CONVENIENCE
Mail Order Offered: Whether you can get your drugs in the mail.
For more information about Medicare prescription drug coverage, visit www.medicare.gov on the web.
Technical Note: Medicare Advantage, Cost Plans, and Demonstrations Landscapes are large documents (most are in excess of 50 pages). We
recommend you print just the county you are specifically interested in viewing. To print a single county:
iii
Kentucky Medicare Advantage, Cost Plans, and Demonstrations
Description Cost Coverage Convenience
Type of Extra
Coverage
Total Offered in the
Premium Offers Gap Number of
Type of (Including Variable (G=generics; Top 100
Medicare Drug Drug Drug Copayments G/B=generics & Drugs on Mail Order
County Organization Name Plan Name Health Plan Premium) Premium Deductible (Tiers) brands) Formulary Offered
Anthem Blue Cross and Blue
Adair Shield Blue Medicare Access Standard Regional PPO $32.00 $0.00 $0 • G 92 •
Anthem Blue Cross and Blue
Adair Shield Blue Medicare Access Premier Regional PPO $51.00 $0.00 $0 • G 92 •
HumanaChoicePPO PPO R5826-
Adair Humana Insurance Company 022 Regional PPO $39.00 -
HumanaChoicePPO PPO R5826-
Adair Humana Insurance Company 036 Regional PPO $78.99 $17.56 $250 99 •
Humana Gold Choice PFFS
Adair Humana Insurance Company H1804-070 PFFS $84.00 $25.66 $0 • 99 •
HumanaChoicePPO PPO R5826-
Adair Humana Insurance Company 008 Regional PPO $89.00 $27.28 $0 • 99 •