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2025 Kentucky Medicare Part D Prescription Drug Plan Highlights

Kentucky State Flag
Links to Featured Kentucky PDP & MAPD Plans:


Quick links to Kentucky plan tools:

2025 Kentucky Stand-Alone Prescription Drug Plan Highlights
CMS PDP Region 15
Print Version |  Kentucky Medicare Advantage Plans

 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006

Click on the Benefits & Contact Info button for more plan details

Lowest Premium Medicare Part D Plan (PDP) in Kentucky
Click here to see all KY PDPs
Plan Name
Plan ID		 Monthly
Prem.		 Dedu-
ctible		 Preferred Pharmacy
Copay/Coinsurance
30-Day Supply		Total Formulary Drugs
Wellcare Value Script (PDP)
(S4802-150)
Benefits & Contact Info

        		 $0.00 $590Preferred Generic: $0.00
Generic: $5.00
Preferred Brand: 25%
Non-Preferred Drug: 41%
Specialty Tier: 25%
3,272

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:



Lowest Premium $0 Deductible KY Prescription Drug Plan (PDP)
Click here to see all Kentucky $0 deductible PDP plans by premium lowest to highest
Plan Name
Plan ID		 Monthly
Prem.		 Dedu-
ctible		 Preferred Pharmacy
Copay/Coinsurance		Total Drugs
AARP Medicare Rx Preferred from UHC (PDP)
(S5921-396)
Benefits & Contact Info

        		 $89.20 $0Preferred Generic: $5.00
Generic: $10.00
Preferred Brand: $47.00
Non-Preferred Drug: 40%
Specialty Tier: 33%
3,611

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:



Five (5) Most Popular Medicare Part D Plans (PDP) in Kentucky
Click here to see all Kentucky PDP plans by popularity
Plan Name
Plan ID		 Monthly
Prem.		 Dedu-
ctible		 Preferred Pharmacy
Copay/Coinsurance		 State Members
Wellcare Value Script (PDP)
(S4802-150)
Benefits & Contact Info

        		 $0.00 $590Preferred Generic: $0.00
Generic: $5.00
Preferred Brand: 25%
Non-Preferred Drug: 41%
Specialty Tier: 25%
190,271

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:
SilverScript Choice (PDP)
(S5601-030)
Benefits & Contact Info

        		 $44.90 $590Preferred Generic: $5.00
Generic: $10.00
Preferred Brand: 18%
Non-Preferred Drug: 32%
Specialty Tier: 25%
107,394

Browse Formulary
 
Wellcare Classic (PDP)
(S4802-086)
Benefits & Contact Info

        		 $32.30 $590Preferred Generic: $0.00
Generic: $5.00
Preferred Brand: 21%
Non-Preferred Drug: 36%
Specialty Tier: 25%
65,281

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:
Humana Value Rx Plan (PDP)
(S5884-194)
Benefits & Contact Info

        		 $30.30 $573Preferred Generic: $0.00
Generic: $0.00
Preferred Brand: 20%
Non-Preferred Drug: 34%
Specialty Tier: 26%
49,962

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:
Humana Premier Rx Plan (PDP)
(S5884-161)
Benefits & Contact Info

        		 $131.60 $0Preferred Generic: $0.00
Generic: $4.00
Preferred Brand: $45.00
Non-Preferred Drug: 50%
Specialty Tier: 33%
31,119

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:



Kentucky Medicare Prescription Drug Plans (PDP) Under $30
Click here for all KY Medicare Prescription Drug plans
Plan Name
Plan ID		 Monthly
Prem.		 Dedu-
ctible		 Preferred Pharmacy
Copay/Coinsurance		Total Drugs
Wellcare Value Script (PDP)
(S4802-150)
Benefits & Contact Info

        		 $0.00 $590Preferred Generic: $0.00
Generic: $5.00
Preferred Brand: 25%
Non-Preferred Drug: 41%
Specialty Tier: 25%
3,272

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:
Cigna Healthcare Saver Rx (PDP)
(S5617-365)
Benefits & Contact Info

        		 $28.20 $590Preferred Generic: $0.00
Generic: $5.00
Preferred Brand: 17%
Non-Preferred Drug: 50%
Specialty Tier: 25%
3,277

Browse Formulary
Higher cost-sharing at non-preferred pharmacies. Click for details:


A few notes to help with the understanding of the 2025 Medicare Part D Plan chart above.
  • Plan Name: This is the official plan name from the Centers for Medicare and Medicaid Services (CMS). The same plan name generally has a different plan id in each state.

  • Plan ID: This is the unique id for this particular plan.

  • Monthly Premium: This is the amount you must pay each month to use the plan. This monthly premium must be paid even if you are in the initial deductible phase or the coverage gap (donut hole) phase.

  • Deductible: The standard CMS plan initial deductible is $590. Many Medicare plans do not have a deductible; however their plan premium may be higher.

  • Copay / Coinsurance - Cost Sharing - This is what you will pay for formulary drugs in the Initial Coverage Phase of your plan. This is the phase after the initial deductible has been met and before you reach your maximum cap on out-of-pocket spending for Part D formulary drugs - RxMOOP - which is set at $2,000 for 2025.  After reaching the RxMOOP Medicare Part D beneficiaries will have a $0 copay for all formulary drugs.

  • Total Formulary Drugs (default) - This is the total number of medications on the plans formulary or drug list. This total drug count does not include "Bonus Drugs". These are non-Medicare Part D drugs which are covered by the plan, however they do not count toward your plan deductible, retail drug cost, or TrOOP.

(Chart Source: Centers for Medicare and Medicaid file 2025 PDP Landscape Source file)

Please note: The above plan information comes from CMS. We make every attempt to keep our information up-to-date with plan/premium changes. However, we cannot guarantee the accuracy of this information. Through the application process we will provide you with the most up-to-the-minute information/pricing.




In 2025 one of the provisions of the Inflation Reduction Act (IRA) is the elimination of the Coverage Gap (Donut Hole).   Medicare Part D beneficiaries will stay in the Initial Coverage phase until they reach the maximum cap on out-of-pocket spending for Part D formulary drugs - RxMOOP - which is set at $2,000 for 2025.  After reaching the RxMOOP Medicare Part D beneficiaries will have a $0 copay for all formulary drugs.



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  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
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    "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
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  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
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  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.
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