Medicare Advantage plan
AARP Medicare Advantage from UHC KY-1 (HMO-POS)
| Plan details | |
|---|---|
| Plan ID | H5253-099-0 |
| Sold by | UnitedHealthcare |
| Plan type | HMO-POS |
| Category | MA-PD |
| Overall star rating | 4 |
| Health star rating | 3.5 |
| Drug star rating | 4 |
| Part C premium (monthly) | $0 |
| Part D deductible (annual) | $685 |
| Max out-of-pocket, in network (annual) | $7,150 |
| Drug benefit | Enhanced Alternative |
| Service area | Note: Offered only in the 110 Kentucky counties listed here. Medicare Advantage plans are sold by county, so a plan with the same name in another state is a different plan with its own costs.; States: KY; Counties: Adair, Allen, Anderson, Ballard, Barren, Bath, Bell, Bourbon, Boyd, Boyle, Bracken, Breathitt, Breckinridge, Bullitt, Butler, Caldwell, Carlisle, Carroll, Carter, Casey, Clark, Clay, Clinton, Crittenden, Cumberland, Daviess, Edmonson, Elliott, Estill, Fayette, Fleming, Floyd, Franklin, Fulton, Gallatin, Garrard, Graves, Grayson, Green, Greenup, Hancock, Harlan, Harrison, Hart, Henderson, Henry, Hickman, Hopkins, Jackson, Jefferson, Jessamine, Johnson, Knott, Knox, Larue, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon, Madison, Magoffin, Marion, Marshall, Martin, Mason, McCracken, McCreary, McLean, Meade, Menifee, Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Oldham, Owen, Owsley, Perry, Pike, Powell, Robertson, Rockcastle, Rowan, Russell, Scott, Shelby, Simpson, Spencer, Taylor, Todd, Trigg, Trimble, Union, Warren, Washington, Wayne, Webster, Whitley, Wolfe, Woodford; County count: 110 |
| Premium note | Monthly consolidated premium (Part C + Part D) as filed with CMS for this plan. The same premium applies in every county in the service area below (verified across all 110 county rows in the CMS file). |
Plan year 2027 · Source: CMS · Checked October 29, 2026 Plan ID: H5253-099-0 · Sold by UnitedHealthcare
What this plan is
This is a Medicare Advantage plan with drug coverage, sold in Kentucky as an HMO-POS plan, which means you pick a main doctor and most care runs through the plan's network, while some care outside the network may still be covered at a higher cost.
Medicare rates this plan's contract 4 out of 5 stars overall for 2027: 3.5 stars for health care and 4 stars for drug coverage.
What it costs
- Monthly premium: $0. You still pay your Part B premium.
- Yearly limit on in-network care: $7,150. Once your copays and coinsurance for Part A and Part B care reach this amount in a year, you pay nothing more for covered in-network care that year.
- Drug deductible: $685 a year. The most any 2027 drug plan can charge for the standard deductible is $700, so this plan sits just under the cap.
- Drug coverage type: enhanced alternative. The plan covers drugs with its own cost setup, which can differ from the standard Part D design. Check your own drugs on the plan's drug list before you join.
The $0 premium and the numbers above are the same in every county where this plan is sold. Medicare's file for this plan lists one premium for all 110 counties.
Where it is sold
This plan is sold in 110 counties in Kentucky, and a plan with a name like this one in another state is a different plan with its own costs, even when the company name on the card looks the same. If you do not live in one of these counties, this exact plan is not open to you.
Before you join
Before you join, check that your doctors are in the network and your drugs are on the plan's list, because both the network and the drug list can change each year. Care and Living Guide does not sell or enroll anyone in a plan. To sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.
More detail about this plan
The full cost picture: the premium above adds up to $0 over a full year, before any copays. Copays for visits, hospital stays, and drugs sit on top of that, and the yearly limit above caps what you pay for covered in-network medical care. It does not cap drug costs or the premium itself.
Extra benefits: Medicare's Landscape file does not list this plan's dental, vision, hearing, fitness, over-the-counter, or transportation amounts. Those amounts live in the plan's Summary of Benefits and Evidence of Coverage, which Medicare.gov links from this plan's page. This page leaves the amounts blank until the CMS Plan Benefits Package files are loaded, rather than copying numbers from ads.
Drugs: this plan has its own drug list, called a formulary. A drug can sit on a different cost tier from one plan to the next, so check each drug you take on Medicare.gov's Plan Finder or in the plan's formulary before you join.
You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.
The plan's official phone number and website are listed on its Medicare.gov plan page, checked October 31, 2026. Detail sources for this section: Medicare.gov (Plan Finder, plan pages, enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.