AARP Medicare Advantage from UHC KY-1 (HMO-POS) — 2027
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.
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.