What Are the Best Medicare Part D Plans in Kentucky?
To help you find the best-fit plan for your budget and healthcare needs, see the top eight plans for Kentucky residents below. Plans were ranked based on several factors, including co-payments and other out-of- pocket costs, plan premiums, yearly deductibles, and the plans’ Medicare star rating.
Since each insurance plan is provided by a private insurer, you’ll need to check with the provider for more specific plan details. Provider websites typically provide a formulary for each plan detailing which prescriptions are covered. The plan’s formulary will also explain how much you can expect to pay for each covered prescription.
#1 WellCare Classic S4802-086 ( PDP )
Premium: $26.50
Deductible: $445
Star rating: 4/5
The low prescription costs and reasonable monthly premium make this plan a top option. Tier 1 drug co-pays are $0–$6, Tier 2 are $2–$18, and Tier 3 are $30–$120. Tier 4 drugs require 34–41 percent coinsurance, and Tier 5 requires 25 percent coinsurance.
#2 WellCare Value Script S4802-150 ( PDP )
Premium: $17.70
Deductible: $445
Star rating: 4/5
Compared to the previous WellCare plan, this one has higher prescription costs but a lower monthly premium. Tier 1 drug co-pays are $0–$15, Tier 2 are $6–$33, and Tier 3 are $43–$141. Enrollees pay 47 –50 percent coinsurance for Tier 4 drugs and 25 percent coinsurance for Tier 5 drugs.
#3 WellCare Wellness Rx S4802-184 ( PDP )
Premium: $15.80
Deductible: $445
Star rating: 4/5
If you’re looking to keep monthly costs low, this plan has the lowest premium on the list. Tier 1 drug co-pays are $0–$24, Tier 2 are $5–$45, and Tier 3 are $40–$141. Tier 4 drugs require 46–50 percent coinsurance, and Tier 5 require 25 percent coinsurance.
#4 AARP MedicareRx Preferred S5820-014 ( PDP )
Premium: $81.60
Deductible: $0
Star rating: 3.5/5
This plan is one of only two plans on the list with a $0 deductible. It has relatively high drug costs and the highest monthly premium on the list to balance out the costs. Tier 1 drug co-pays are $5–$45, Tier 2 are $10–$60, and Tier 3 are $45–$141. Enrollees pay 40–45 percent coinsurance for Tier 4 drugs and 33 percent for Tier 5 drugs. In the gap coverage phase, some Tier 2 drugs require $0–$60 co-pays instead of the typical 25 percent coinsurance for that phase.
#5 AARP MedicareRx Saver Plus S5921-360 ( PDP )
Premium: $27.70
Deductible: $445
Star rating: 3.5/5
Particularly for the lower tiers, this plan has reasonable drug costs. Tier 1 co-pays are $1–$18, Tier 2 are $5–$30, and Tier 3 are $35–$120. Tier 4 drugs require 40 percent coinsurance, and Tier 5 drugs require 25 percent coinsurance.
#6 AARP MedicareRx Walgreens S5921-396 ( PDP )
Premium: $33.10
Deductible: $445
Star rating: 3.5/5
Drug costs in this plan are a bit high to balance out the mid-tier premium costs. Tier 1 drug co-pays are $0–$45, Tier 2 are $6–$60, and Tier 3 are $40–$141. Tier 4 drugs require 40–45 percent coinsurance, and Tier 5 require 25 percent coinsurance. In the gap coverage phase, some Tier 2 prescriptions require $6–$60 co-pays.
#7 Anthem MediBlue Rx Enhanced S5596-074 ( PDP )
Premium: $25.30
Deductible: $300
Star rating: 3.5/5
This plan is one of the few on the list with a deductible below $445, yet it still offers reasonable prescription and premium costs. Tier 1 drug co-pays are $0–$15, and Tier 2 are $2–$21. The other tiers all require coinsurance: 20–22 percent for Tier 3, 38–41 percent for Tier 4, and 26 percent for Tier 5. In the gap coverage phase, Tier 1 co-pays are $0–$15, and Tier 2 are $2–$21.
#8 Anthem MediBlue Rx Plus S5596-018 ( PDP )
Premium: $58.70
Deductible: $0
Star rating: 3.5/5
This plan is one of only two on the list with a $0 deductible, and it has higher prescription costs to balance that out. Tier 1 drug co-pays are $1–$45, Tier 2 are $3–$60, and Tier 3 are $43–$141. Tier 4 drugs require 45–50 percent coinsurance, and Tier 5 require 33 percent coinsurance.
Want to compare even more plan options? See plans from additional providers and find out how they stack up to the competition with the Insurify Medicare comparison tool.